There are some shady home warranty tactics out there. You often hear of consumer fraud lawsuits, complicated paperwork, aggressive sales tactics, and claims getting outright denied. It’s no wonder folks are skeptical. So, I took a deep dive into all of the top home warranty providers in Maryland. I compared real pricing info, dug into the fine print of contracts to expose sneaky exclusions, and analyzed thousands of customer reviews to separate the good providers from the shady ones.

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!
Best Value
select home warranty logo
VISIT SITE
Limited Time:
$150 Off (Code HOUSE25)

So, after secret shopping, reading countless hours of reviews, and talking with customer service reps, all while keeping in mind Today’s Homeowner’s specific rating criteria — plans, coverage, affordability, reputation, claims process, customer service —  I can confidently recommend these 5 companies as the best home warranties available in Maryland. 

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.


Top 5 Maryland Home Warranty Companies

Highlights
  • Liberty Home Guard is a clear winner to me with its unmatched ability to customize coverage and add unique benefits like pest control and carpet cleaning. But if you have luxury/high-end appliances, the high coverage caps of up to $6,000 for appliances and $10,000 for home systems that Elite Home Warranty offers should make it your top choice.
  • Pay special attention to the home warranty provider’s list of exclusions– in other words, what the home warranty plan doesn’t cover, such as systems or appliances that have been improperly installed or misused. Fully understanding what is and is not covered will save you headaches, time, and money in the long run.

My Expert Recommendation

There are several quality home warranty companies available for Maryland residents, but my top two picks after spending days researching providers, picking over sample contracts, and secret shopping are Liberty Home Guard and American Home Shield. Liberty Home Guard has the most add-ons– 42 total, including unique offerings like carpet cleaning, sprinkler systems, and pest control– of all home warranty providers on our list and offers the best plan for customization. Plus, if your furnace goes out during the middle of a Maryland snowstorm or your refrigerator stops working over the weekend, you can rely on Liberty’s emergency services. 

On the other hand, if you have expensive home systems and appliances, I recommend American Home Shield instead. This top-rated home warranty provider has coverage caps of up to $4,000 for home appliances and up to $5,000 for home systems. While these coverage limits aren’t the highest on the market (Elite Home Warranty has caps of $6,000 for appliances and $10,000 for systems), they are still generous, available at a cost-effective monthly premium, and should be more than enough to cover repairs on even high-end appliances and systems.

Today’s Homeowner Tips
There are several quality home warranty companies available for Maryland residents, but my top two picks after spending days researching providers, picking over sample contracts, and secret shopping are Liberty Home Guard and American Home Shield.

Maryland Home Warranty Companies I Didn’t Include

I did not include Landmark Home Warranty on this list because of several poor customer reviews and several complaints filed by previous customers. Although Landmark has been in business for over 18 years, it still lacks a Better Business Bureau (BBB) accreditation, along with its poor D- rating (at the time of writing).  This  BBB complaint about Landmark Home Warranty definitely raised some major red flags for me:

“On Friday December 8th at 10:30pm, I called and opened a claim with Landmark Home Warranty after my AC/Heater blower motor quit working. They immediately took my $70 Co-Pay and sent the request for a company to come to my house. After not getting any phone calls from a contractor I called Landmark on Tuesday December 12th to ask if everything was ok. They told me that cannot find a contractor to come out that is in network. They sent in the request to the out of network approval department for review. It is now Wednesday December 20th and I have heard no information about the approval. I have called everyday since Monday Decemeber 12th and have gotten nowhere. They never call me back like they promissed and there is no corporate phone number to call. Only the main call center phone number. So far they have taken my $70 co pay as well as the $70 monthly fees associated for about 4 years now. I should get treated better than this. I can call out a contractor to my house right now to look at my AC/Heat. However, I do not have the money to do so. Thats why I have this home warranty. I dont understand what the issue is and I am furious. I just want to get what I am paying for, as well as my issues fixed.”

I also chose not to include AFC Home Warranty, but not because of anything extreme. In fact, it is still a good choice, but it just lacks emergency services and does not cover basic plumbing times (besides in its premium plans). Plus, AFC has slightly slower response times than other providers (48-hour vs. 24-hour). If these downsides aren’t important to you, AFC is a great option.  See our full review here


Compare The Highest-Rated Home Warranties In Maryland

CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

$50-$60

$75

12-48 hrs.

NR

VISIT SITE
AHS Logo

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

$44.99-$58.99

$70

48 hours

A+

VISIT SITE
choice home warranty logo

$46–$55

$85

24-48 hrs.

B

VISIT SITE
select home warranty logo

$52–$58

$60

24-48 hrs.

B

VISIT SITE
AFC Home Warranty logo

$38–$62

$75–$125

48 hours

B

VISIT SITE
first american logo

$38–$48

$75–$125

48 hours

B

VISIT SITE

$17–$60+

$65–$100

2–24 hrs

A-

VISIT SITE

$28–$68

$100–$150

2–24 hrs

B

VISIT SITE

Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.


Our Reviews of the Best Maryland Home Warranties

Best for Customization

Liberty Home Guard

4.6

Our Rating

Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage

Where Liberty really shines is customization — with over 40 add-on options, you can tailor coverage to unique home features like a central vacuum or casita. You’ll also find great perks like a 60-day workmanship guarantee, longer than the 30-day industry standard. Between the customizable options, stellar customer service ratings, and perks like the 60-day guarantee, Liberty Home Guard stands out as a uniquely strong home warranty provider.

Liberty Home Guard shines when it comes to customization, with extensive add-on options to tailor coverage. However, limitations emerge when examining their $2,000 coverage cap, which is disappointing compared to competitors offering up to $6,000. Additionally, Liberty’s add-ons average over $14.99 per month- higher than the $5.99 that Elite Home Warranty offers.

Founded in 2017, Liberty lacks experience compared to longer-standing home warranty providers. Once purchased, customers report frequent sales calls along with a $50 cancellation fee after 30 days. Liberty also does not allow choice in $65-$125 service fees nor cover preexisting conditions, even undiscovered ones.

Liberty Home Guard is an excellent choice for a home warranty, especially if you have unique home additions or high-end appliances. What really sets Liberty apart is its customization options. With over 40 add-ons for specialty coverage like pools, pest control, and carpet cleaning, you can tailor a Liberty policy to your exact needs. The company also has great customer service, a fast claims process, and a 60-day workmanship guarantee that exceeds the industry standard. Plus, with competitive pricing starting around $50 per month, Liberty offers outstanding service.

The only real drawbacks with Liberty Home Guard are its lower coverage caps of $2,000, which may be inadequate for luxury appliances, and some ambiguity around service fees when getting a quote. If higher coverage limits are important to you, American Home Warranty and Elite Home Warranty are both better choices. 

Overall, if you don’t require exceptionally high coverage, few companies can match Liberty’s affordability, custom add-ons, and excellent customer service. For most homeowners without ultra-high-end systems, Liberty Home Guard is likely one of the top home warranty choices available.

Liberty Home Guard shines in its ability to customize coverage, offering appliances, systems, and comprehensive combined plans plus over 40 add-ons for specialty services like pest control and carpet cleaning. I’d choose the Total Home Guard plan for complete peace of mind covering home systems and appliances. At only about $10 more than the Appliance Guard plan, the value is strong.

Liberty’s plans start at highly affordable rates, with Appliance Guard at around $50 per month – equaling the $50 national monthly average. Systems and Total Home plans start at a reasonable $55 and $60 per month, respectively. Add-ons range from $4 to $36 per month, but most fall between $8 to $15. One drawback is Liberty’s $65 to $125 service fee each time you file a claim.

During my secret shopping, Liberty offered attractive discounts like two months free with an annual payment, a saving of over $100, and a $225 coupon.  I definitely recommend getting on the phone with a customer rep if you want to score yourself a better deal . With customizable coverage, discounted pricing, and peace of mind from systems and appliances coverage, I am confident Liberty Home Guard will provide you with a good value.

PlanMonthly CostService FeeAvailable Discounts
Appliance Guard$49.99$65-$1252 months free, $225 off coupon
Systems Guard$54.99$65-$1252 months free, $225 off coupon
Total Home Guard$59.99$65-$1252 months free, $225 off coupon

Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Baltimore, MD. The cost data presented was accurate at the time of publication. 

Available Add-Ons

LHG has a wide selection of available add-ons, far more than any other provider on the market. Here are all of Liberty’s optional add-ons and prices at the time of writing this article: 

  • Carpet cleaning: $19.99/month
  • Casita guest unit: $35.99/month
  • Central vacuum: $8.99/month
  • Electronics protection: $19.99/month
  • Ejector pump: $14.99/month
  • Freestanding ice maker: $14.99/month
  • Generator: $19.99/month
  • Grinder pump: $14.99/month
  • Gutter cleaning: $14.99/month
  • Ice maker (in-fridge): $3.99/month
  • Instant hot water dispenser: $9.99/month
  • Lawn sprinkler system: $9.99/month
  • Lighting fixtures: $7.99/month
  • Limited roof leak: $11.99/month
  • Pest control: $14.99/month
  • Plumbing fixtures: $7.99/month
  • Pool and spa: $19.99/month
    • Additional spa: $9.99/month
  • Power washing (exterior flooring): $19.99/month
  • Pro-Series Clothes Dryer: $4.99/month
  • Pro-Series Dishwasher: $7.99/month
  • Pro-Series Microwave: $4.99/month
  • Pro-Series Range/Oven/Cooktop: $12.99/month
  • Pro-Series Refrigerator: $14.99/month
  • Pro-Series Stand Alone Freezer: $14.99/month
  • Pro-Series Washing Machine: $4.99/month
  • Re-Key: $9.99/month
  • Reverse osmosis water filter system: $14.99/month
  • Saltwater pool: $23.99/month
  • Second refrigerator: $7.99/month
  • Septic system pumping: $12.99/month
  • Sump pump: $8.99/month
  • Swamp cooler: $14.99/month
  • Trash compactor: $7.49/month
  • TV mounting (up to 65-inch TVs): $14.99/month
  • TV mounting (up to 85-inch TVs): $19.99/month
  • Water dispenser water line: $4.99/month
  • Water softener: $13.99/month
  • Well pump: $12.99/month
  • Window washing/cleaning: $19.99/month
  • Wine cooler/fridge: $11.99/month

Compared to the other major home warranty companies on the market, this offering is the most comprehensive. Maryland homeowners can get coverage on virtually every home system and appliance in their homes. Many of these optional add-ons, such as TV mounting, pest control, and carpet cleaning, are unique offerings that most other providers don’t offer. So, if these options are important to you, Liberty should be your top choice. 

Exclusions

Like all home warranty providers, Liberty Home Guard has several exclusions to its plans, including: 

  • Cosmetic defects
  • Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
  • Disposal of appliances, systems, or components
  • Electronics, computerized, “smart,” or Internet/enabled components and parts
  • Filters associated with any covered items
  • Fire sprinkler systems
  • Flues, vents, chimneys, and exhaust lines
  • Glass parts
  • Lighting
  • Noise
  • Radon and other leak detection monitoring systems
  • Remote receiving and transmitting devices
  • Solar systems and applications

That said, you can get coverage on some of these items by opting for Liberty’s optional add-ons, such as lighting, TV mounting, etc. As I researched and compared other providers, I found that these exclusions are on par with ‌industry standards.  As such, Liberty remains a great choice. 

Liberty Home Guard offers competitively priced plans starting at $49.99 per month for Appliance Guard. While affordable, you can face higher costs from add-ons, most over $14.99 per month. There’s also a $65-$125 service fee each time you file a claim.

One drawback is that Liberty only covers items up to “book value,” so it won’t reimburse full pre-depreciation worth. All items also cap at $2,000 in coverage, far below some competitors like American Home Sheild and Select Home Warranty.

However, if you have unique appliances like a reverse osmosis filter or Pro-Series items, Liberty’s add-ons make it an excellent choice to cover typically uncovered products. Between the appliances, systems, and comprehensive combined plans, Liberty delivers relatively affordable protection. Just be aware of the higher add-on costs and lower $2,000 coverage cap per item.

Liberty seems to have fairly strong customer service. I appreciate their seamless online quoting process — it allows you to easily customize coverage levels and compare options. Their turnaround is also faster than average — under a month waiting period to access coverage.

Once you have a Liberty policy, there are multiple ways to contact them if any issues occur — via chat, phone, or email. This convenience provides good support. I also like its service guarantee, which gives confidence they stand behind their work.

I can confidently say that no other home warranty company manages such consistently high ratings across thousands of reviews like Liberty Home Guard. If you want the best customer service and reputation, Liberty is my top recommendation.

Their overwhelmingly positive reviews on Google highlight exceptional service — from representatives going above and beyond to fast turnarounds on claims. I spotted just a couple of negative reviews citing long waits, high fees, and misunderstandings of the contract terms, but these were incredibly rare (see an example below). Liberty’s positive Glassdoor rating also shows it prioritizes employees and customers, underpinning its commitment to quality service. 

Rating SiteRatingNumber of Reviews
BBBNR*Customer Reviews are not used in the calculation of BBB Rating
Trustpilot4.72,257
Google4.79,693
Yelp1.348
*Under review due to recent complaints as of Feb 2024. Previously an “A+” rating. 

Editor’s Note: The ratings provided were accurate at the time of publication.

Note (as of 2/6/24): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time the BBB has restored its A+ rating after a thorough review.

With an average claim response time of 12 hours, Liberty Home Guard stands out by offering emergency services and quick turnarounds that many competitors do not. This ability to urgently address catastrophic events like pipe bursts or appliance leaks during cold Maryland winters is a major benefit.

Based on consistently positive customer feedback praising smooth claims and rapid payouts, Liberty rightly earns a 10/10 rating for going above and beyond with its user-friendly process. Once into the coverage period, after the standard 30-day waiting time, most claims receive approval in under 48 hours.

Liberty Home Guard is available to homeowners in all 50 states. It features a live chat, where you can connect with an agent 24/7. 

Best Coverage Limits

American Home Shield

4.3

Our Rating

Limited Time:
40% Off Our Most Popular Plan

American Home Shield (AHS) allows you to add some unique offerings, like roof leak protection, either as an add-on or within its premium bundle. AHS also impresses me with its industry-leading coverage limits of up to $5,000 for systems and $4,000 for appliances. It also has some extra perks, like covering rust/corrosion and customizable service fees. To me, this shows that AHS is committed to its customers. It also has lots of experience, over 50 years. So, they’ve had time to build great relationships with local contractors, which ensures you get experienced repair technicians to your home when you need them.

Given American Home Shield’s decades of experience, I’m concerned by their abundant negative customer feedback on sites like the BBB versus competitors like Liberty Home Guard and Select Home Warranty. Its history and contractor scale amplified these red flags for me. Surfacing issues like unexpected rate hikes and short 30-day workmanship guarantees indicate room for transparency and service improvements despite advantages like strong coverage maximums.

With over 50 years of experience as an industry founder, American Home Shield stands out through strong coverage offerings and limits reaching $6,000 – outpacing most competitors capped near $3,000, like Select Home Warranty. Its expansive contractor network also provides broad, reputable support.

I found AHS’s website and quote process straightforward during my own shopping. However, despite the higher coverage caps, its lower-tier plans cover too few appliances and systems, in my opinion. So, if you want the most comprehensive protection, opt for the premium ShieldPlatinum plan, which only has slightly elevated pricing.

However, AHS covers undetectable preexisting conditions plus rust and corrosion, unlike many warranty providers — increasing its value. Though advertising robust contractor partnerships, some reviewers have faced inordinately long repair delays. And at 30 days, the workmanship guarantee lags behind competitors like Elite Home Warranty.

As an industry leader, American Home Shield’s premier ShieldPlatinum plan uniquely covers roof leaks while also bundling an HVAC tune-up — a valuable maintenance visit for Maryland homeowners facing extreme cold. ShieldPlatinum goes further by including allowances for code violations, permits, and modifications that trip up many warranty policies.

All AHS plans advertise coverage of older and even improperly installed items, plus undetectable preexisting conditions, which are excluded by some, like Select Home Warranty. It offers a choice between major systems or systems plus appliances plus coverage limits up to $5,000 and $4,000, respectively.

While AHS gives customers flexibility in selecting either a $100 or $125 service fee, these surcharges trend higher than competitors. However, if you choose a lower service fee, you pay a higher monthly rate. Still, the greater protections on both newer and aging equipment help offset the premium pricing. Especially for complex residential systems, AHS provides reassurance and support often absent from basic providers.

PlanMonthly CostService Fee*Available Discounts
ShieldSilver$29.99–$39.99$100–$125Same-day discount
ShieldGold$49.99–$59.99$100–$125Same-day discount
ShieldPlatinum$79.99–$89.99$100–$125Same-day discount
*If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $39.99 rate for the ShieldSilver plan pairs with the $100 service fee.

Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Baltimore, MD. The cost data presented was accurate at the time of publication. 

Available Add-Ons

American Home Shield offers the following optional add-ons:

  • Electronics protection plan: $14/month
  • Guest unit: $15.99/month
  • Pool & built-in-spa equipment: $18/month
  • Roof leak repair: $10/month
  • Septic pump: $5/month
  • Well pump: $8/month

As someone who lives in a rural area (without city water and sewage), the septic and well pump coverage is especially appealing. Repairs and replacements for these systems can be quite expensive. These low monthly fees would give me peace of mind.

Although AHS has roof leak repair covered in the ShieldPlatinum plan, by default, Maryland homeowners can choose to add it to the ShieldGold and ShieldSilver plans as well. It’s worth noting that most home warranty providers don’t offer any roof leak coverage (even as an optional add-on). So, this is an area where American Home Shield really differentiates itself. I recommend adding it to any plan you choose since roof leaks can wreak havoc on your home and wallet. 

Exclusions

American Home Shield provides comprehensive coverage through their ShieldGold and ShieldPlatinum plans, encompassing appliances lacking from basic competitors. But like all providers, it has standard home warranty exclusions like:

  • Damage due to pets or pests
  • Failure to properly clean or maintain home systems or appliances
  • Foundation or structural damage
  • Improper installation, improper wiring, or damage caused by construction activity
  • Manufacturer’s defect
  • Misuse or human error
  • Natural disasters
  • Neglect, rust, corrosion, or sediment
  • Removal of hazardous materials, such as asbestos, lead, or other toxic materials

American Home Shield’s plans come at a higher though still competitive cost compared to other providers. Monthly premiums and $100-$125 service fees are slightly higher than average but offer greater protections than cheaper competitors.

For example, AHS customers receive a generous $3,000 coverage maximum for pools‌ — triple the coverage cap from most other providers. So, while not the most affordable, the higher premiums for Maryland homeowners give you peace of mind, especially if you have expensive appliances, luxury fixtures, or multi-system setups that would have higher repair bills.

I’d recommend weighing monthly and service costs against the price of your appliances. Consider how much they would cost to repair without a home warranty plan when evaluating AHS’s offerings. Those with greater replacement costs can justify the slightly higher monthly costs for its coverage caps that reach $6,000 – uncommon among national competitors.

As an established provider, I expected American Home Shield’s customer service to outshine competitors. However, numerous reviews cite communication breakdowns with unreturned inquiries — a shortcoming that concerns me. Responsive support should remain a priority, especially for a national leader.

Positively, AHS does provide homeowners with multiple contact methods through an account manager model. This accessibility can smooth over any representative-level issues. Additionally, their 30-day waiting period before coverage activates ranks favorably against many competitors that have 60+ day waiting periods.

American Home Shield’s customer satisfaction and reputation fail to reflect its lengthy history and leading status as a home warranty provider. Concerning BBB, Trustpilot, and Yelp ratings reveal some problems in service quality and customer satisfaction. However, many negative reviews arise from homeowners’ misunderstandings over policy details, i.e., misunderstandings of coverage caps. There are fewer complaints about American Home Shield’s contractor delays, claim rejections, and responsiveness.

Positively, much negative feedback spotlights strong coverage when functioning smoothly. And American Home Shield’s engagement on Trustpilot to resolve complaints shows corporate dedication. But its subpar ratings indicate room for improved communications, accessibility, and reliability — key elements alongside robust plans. 

Rating SiteRatingNumber of Reviews
BBBBCustomer Reviews are not used in the calculation of BBB Rating
Trustpilot2.15,178
Google2.82,379
Yelp1.0826

Editor’s Note: The ratings provided were accurate at the time of publication.

American Home Shield provides a straightforward 24/7 claims process accessible both online and via phone. This around-the-clock support proves crucial for urgent issues like pipe leaks or appliance failures demanding immediate attention.

Once you submit a claim, you can conveniently track the repair history status through your account dashboard for ongoing visibility. While a simplified claims procedure aligns with industry standards, American Home Shield’s always available customer service and repair updates make navigating stressful home failures easier. When your critical home systems and appliances malfunction, constant communication is vital.

American Home Shield offers its policies in 49 states, excluding Alaska. While it does not have 100% coverage of the U.S., it has better availability than most competitors. 

Best Claims Acceptance

Choice Home Warranty

4.3

Our Rating

Limited Time:
$50 Off + 1 month free!

When it comes to customer service and reputation, Choice Home Warranty stands out with its 24/7 support, 365 days a year, and multiple ways to file a claim, including by phone or online. Many customers report fast, effective service from knowledgeable technicians when using the claims process.  Its claims process seems mixed, but it has a high acceptance rate, and the pricing is hard to beat for the included coverage.

Compared to Liberty’s extensive yet expensive add-ons, Choice Home Warranty does not have as many add-ons for additional systems. However, you can add coverage for useful home elements like a pool or central vacuum. The bigger limitation is that while Choice provides a set $85 technician service fee, this is not the most affordable rate among providers. Some do offer cheaper tiered rates depending on service type. However, the benefit is certainty — you will not encounter surprise charges since the rate is fixed.

I highly recommend Choice Home Warranty (CHW) if you want comprehensive coverage and the best claims acceptance in the industry. It serves over 1.65 million homes nationwide, making it one of the more experienced providers. Importantly, CHW has the highest claims acceptance rate in the home warranty industry. This means if your system or appliance breaks down, you are more likely to have your claim approved and get your issue resolved with CHW compared to other companies.

​​CHW provides 24/7 customer support, with several ways to file a claim if something breaks, including online or by phone. Many customers report fast service with knowledgeable technicians, though some have experienced delays. Its network includes over 25,000 contractors, each with knowledgeable technicians ready to help if your systems break down. 

The basic CHW plan covers both major home systems and appliances, which many basic plans don’t. The coverage caps are $3,000 per item per year, which is above average. However, if you need higher coverage caps for luxury appliances, choose Elite Home Warranty instead. 

Choice Home Warranty makes it simple by offering just two straightforward home warranty plans: a Total Plan and a Basic Plan. The Total Plan is very comprehensive, covering 18 key home systems and appliances for under $55 a month — lower than most competitors. If you want maximum coverage and peace of mind on a budget, this looks quite appealing.

The Basic Plan costs slightly less per month and still includes protection for 14 major systems and appliances. So, between the flexibility of these two affordable options, you can find a plan that fits both your home’s needs and budget. Some providers offer more custom add-ons, but if you want basic protection at a low cost, Choice delivers.

When getting a quote, I was even offered an extra incentive of two months of free coverage if I chose annual prepayment. And because both plans already cost less than competitors, getting up-front savings makes this choice even more budget-friendly. So, for a straightforward and very inexpensive home warranty solution, Choice Home Warranty checks the key boxes.

PlanMonthly CostService FeeAvailable Discounts
Basic Plan$46.83$85$50 Off and 1 month free
Total Plan$54.75$85$50 Off and 1 month free

Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Baltimore, MD. The cost data presented was accurate at the time of publication. 

Available Add-Ons

Choice Home Warranty has the following optional add-ons available to Maryland homeowners. 

  • Pool–$15
  • Spa–$15
  • Additional Spa–$15
  • Limited Roof Leak–$5.83
  • Central Vacuum–$3.33
  • Second Refrigerator –$3.33
  • Septic System–$10
  • Septic Tank Pumping–$5.42
  • Well Pump–$8.33
  • Sump Pump–$3.33
  • Stand Alone Freezer–$3.33
  • Sprinkler System–$8.33
Exclusions

CHW has the following exclusions, which are on par with other home warranty providers:

  • Built-in microwave
  • Ceiling fan
  • Clothes dryer
  • Clothes washer
  • Dishwasher
  • Garbage disposal
  • Oven/range/cooktop
  • Refrigerator (except audio/visual equipment and WiFi components) 

When it comes to affordability, Choice Home Warranty is hard to beat. Its two straightforward plan options both cost less than $55 per month, which is below average for the industry. Additionally, you’ll pay a flat $85 technician trip charge anytime you need a repair visit. Between the low monthly premiums and consistent repair charges, budgeting is easy with Choice.

You can also freely cancel within 30 days if dissatisfied, with no long-term commitments. So, there’s little risk in trying out their very affordable plans. Choice also states they cover up to the item’s full value, not the depreciated book value that some companies use. So you’ll get the true replacement cost if an appliance or system fails.

Choice Home Warranty provides a quality customer experience through multiple avenues of 24/7 support and accessibility. Wait periods and guarantees are also better than average, with a 30-day waiting period, 60-day workmanship guarantee, and 90-day parts guarantee. Getting a quote is straightforward, and you can view sample contracts and basic plan inclusions during the quoting process to understand coverage and costs before checkout. Overall, Choice makes it simple to get information and support when you need it.

Choice Home Warranty presents conflicting information on its reputation. On one hand, it earns praise from employees as a fair, ethical workplace and has decent scores on both BBB and Trustpilot. However, customer review sites like Yelp give an extremely poor 1-star rating. While staff may be happy internally, outside perspectives indicate consumers risk major dependability issues. With legal allegations and some negative reviews, buyers should deeply vet Choice before trusting it can deliver reliable service.

Rating SiteRatingNumber of Reviews
BBBBCustomer Reviews are not used in the calculation of BBB Rating
Trustpilot3.737,888
Yelp1.0246

Editor’s Note: The ratings provided were accurate at the time of publication. Additionally, Today’s Homeowner is aware of a lawsuit in progress against Choice Home Warranty in Arizona. Our team is monitoring the situation and will adjust our scores if a negative judgment is found against Choice. In the meantime, their score is reflective of the company reputation independent from the lawsuit, though you should review the allegations if you have any further concerns.

Choice Home Warranty provides 24/7 support and multiple filing options for claims, which many customers report leads to fast, effective service from knowledgeable technicians. However, delays‌ happen as well, with the fine print showing a 4-hour response time goal yet acknowledging delays of up to 48 hours may occur in practice. Reviews are also mixed — while some praise the claims process, others have faced long waits, surprise fees, or unresolved issues. 

Choice Home Warranty is available in 48 U.S. states, including Maryland. However, it lacks coverage in two populated states, Washington and California. 

Best Value

Select Home Warranty

4.2

Our Rating

Limited Time:
$150 Off (Code HOUSE25)

Select Home Warranty differentiates itself by including roof coverage across all plan tiers — a rare offering in the home warranty space, providing immense peace of mind for Maryland homeowners who routinely deal with heavy snowfalls that can damage roofs. Add in affordable premiums and their longer 90-day repair guarantee, and Select hits a superb value balance for budget-focused homeowners.

Many criticize home warranties as deceptively parsing protections through confusing add-ons and subpar base plans. But Select presents straightforward, comprehensive solutions fitting most average homeowners without add-on anxiety. Its ability to bundle roof coverage affordably within every product makes it an inviting break from rivals upcharging that protection only in top-tier offerings.

Select Home Warranty’s offering of just nine optional add-ons is far less than competitors like Liberty Home Guard. If you have high-end appliances, you may not feel fully protected with its lower coverage caps of $3,000. Another drawback is the lack of protection for undiscovered preexisting conditions, which many rivals include to prevent unexpected claim denials. I’d advise thoroughly inspecting and documenting your home first to confirm everything functions properly before signing to avoid issues over “preexisting” faults. Select also charges a $75 cancellation fee and prohibits homeowners from selecting their own contractors. These policies seem to only benefit SHW instead of providing flexibility to homeowners.

Founded in 2012, Select Home Warranty is a top home warranty provider due to its strong coverage, affordable pricing, and simplicity. With clear Gold, Silver, and Platinum plan tiers protecting appliances, systems, or both, homeowners avoid confusing offerings some rivals push.

However, its coverage caps only $3,000 for key systems — which may not be enough for costly HVAC replacements, given Maryland’s extreme weather swings. Some other providers on this list provide coverage up to $6,000, so consider the cost of your HVAC system before choosing SHW. That said, Select outperforms on value with its below-average monthly premiums. Plus, its 90-day workmanship guarantee surpasses 30-60-day industry norms.

If you have luxury appliances or specialty home systems, American Home Shield or Liberty Home Guard are better choices. But most standard Maryland homes will be fine with Select’s standard inclusions, less expensive monthly rates, and lower service fees. 

Select Home Warranty simplifies options through appliance, system, or combined coverage plans. However, their single-focus Gold and Bronze tiers leave major gaps that the Platinum plan fills for about $4 more monthly. At that minor price jump for a huge protection boost, Platinum becomes the obvious choice for nearly all buyers.

Unlike some other providers, Select lets you compare and choose exactly what you need. In my opinion, it’s one of the easiest for plan comparison and customization. Currently, the Platinum plan has discounted appliance, system, and stoppage solutions for one affordable rate and has the most straightforward value.

And Select regularly advertises additional savings, like two months free and  $150 off for yearly pricing. With affordable pricing and easy-to-understand plans, Maryland homeowners who want only core appliances and systems covered will find Select Home Warranty refreshingly direct.

PlanMonthly CostService FeeAvailable Discounts
Bronze Care$44.42$75$150 Off (Website), 2 Extra Months Free
Gold Care$44.42$75$150 Off (Website), 2 Extra Months Free
Gold Care$47.75$75$150 Off (Website), 2 Extra Months Free

Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Baltimore, MD. The cost data presented was accurate at the time of publication. 

Available Add-Ons

Select Home Warranty offers the following optional add-ons to Maryland homeowners:

  • Central Vacuum – $3.33/mo
  • Lawn Sprinkler System – $5.83/mo
  • Pool – $8.33/mo
  • Roof Leak – $0/mo
  • Septic System – $5.83/mo
  • Spa – $5.83/mo
  • Stand Alone Freezer – $3.33/mo
  • Sump Pump – $3.33/mo
  • Well Pump – $3.33/mo
Exclusions

Like all home warranty companies, Select has several exclusions to its home warranty plans. Here are the main exclusions to all of its plans: 

  • Common areas in condominiums or multi-family homes
  • Damage from natural disasters and rust
  • Defects or damages caused by the foundation and structure of the home
  • Incorrect installation or malfunctions due to construction damage or improper wiring
  • Issues with systems or appliances related to hazardous or toxic materials (for example., mold, asbestos, gas leaks, etc.)
  • Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by the leak)
  • Solar heating systems

These exclusions are on par with other home warranty providers and personally wouldn’t be a reason for me not to use SHW. 

Select Home Warranty shines with its highly affordable premiums, besting the $50 industry average at only around $40 monthly — including discounts, I discovered. This competitive edge encompasses its Bronze, Gold, and Platinum tiered offerings, which cover either appliances or systems without the large upcharges some providers add.

I also appreciate the choice Select provides with $65 or $75 service fees, which are both $20+ below the typical $100+ other home warranty providers charge. So not only can you save by signing up, you can avoid high service call fees in the future.

I’m impressed with how easy Select Home Warranty’s website makes things for customers. Getting a quote online is quick and hassle-free compared to other companies who bombard you with calls and emails.

Its system allows you to check out plans, pricing, what’s covered, add-ons, and more at your own pace. It’s all clearly laid out instead of hidden behind fancy talk. You can educate yourself on what plan fits your needs best— no pushy salespeople required. For a company focused on value and ease, SHW’s convenience wins big points in my book.

Select Home Warranty seems to be a mixed bag based on reviews. Their Better Business Bureau rating is decent at a B, but online opinions vary between happy and unhappy customers.

Positive feedback cites good customer service, an easy signup process, and quick repairs after filing claims. But negatives call out low payouts, denied claims, and incompetent repair folks sent to fix issues. Now, I take online reviews with a grain of salt — people scream louder than they praise typically. And Select’s lower number of reviews altogether indicates fewer dissatisfied customers than big-name competitors.

Rating SiteRatingNumber of Reviews
BBBBCustomer Reviews are not used in the calculation of BBB Rating
Trustpilot3.74,590
Google1.627
Editor’s Note: The ratings provided were accurate at the time of publication.

Select Home Warranty makes filing claims pretty straightforward for Maryland homeowners. You can submit through their website or phone its team directly. As long as it isn’t an emergency, they’ll typically have a repair technician at your door within 48 hours.

For non-disasters, 48 hours is a longer response time than other companies, such as Liberty Home Guard with a 12-hour response time. Even though Select does operate 24/7 for emergency issues to help ASAP, even on weekends, that longer response time drops their score relative to other providers in the state.

Select Home Warranty provides its plans to all 50 U.S. states as well as the District of Columbia. Across the country, it has a positive customer satisfaction rating. 

Best Customer Ratings

Elite Home Warranty

4.3

Our Rating

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Elite Home Warranty has a remarkably positive online reputation with 4.5–5-star ratings on Yelp, Trustpilot, and Google — contrasting the 2–3-star industry norm. That consistent praise spotlights Elite’s standout service track record and ability to keep customers satisfied.

I’m also impressed by their highly competitive pricing plus a roster of 27 add-ons to customize protection — most other providers have 6–12. With Elite’s contract coverage limits reaching $8,000 for systems and $3,000 per appliance, most homeowners can tailor comprehensive plans balancing affordability and security.

Elite Home Warranty, unfortunately, falls short by lacking emergency repair coverage without extra fees — a major gap compared to other providers. When critical systems like AC units fail during the humid Maryland summer, homeowners need urgent support. The additional $150 surcharge for true emergency access seems unacceptable from a customer-focused provider.

Another drawback is the blanket exclusion of commercial-grade appliances — a dealbreaker for some homeowners. And Elite voids workmanship guarantees if you use your own technician rather than their network of contractors.

Elite Home Warranty stands out for having some of the industry’s highest coverage maximums — up to $10,000 for systems and $6,000 for appliances, exceeding competitors’ typical $2,000—$3,000 limits. With caps that generous, I strongly recommend Elite for homeowners with high-end appliances or numerous systems vulnerable to expensive repairs or replacement. Of their plans, I prefer the Complete coverage, which bundles both appliances and systems to maximize those strong payouts.

However, Elite falls short on emergency accessibility outside normal business hours despite 24/7 customer service. But with 26 add-ons in most states, homeowners receive strong customization possibilities. Just note that certain name brands trigger a $150 fee. That said, Elite Home Warranty tops competitors with its industry-leading coverage caps,  giving peace of mind to homeowners fearing massive repair bills.

Elite Home Warranty provides plans with coverage maximums exceeding industry standards. Their most comprehensive option, Elite Complete, is my top pick for exceptional coverage. Like other home warranty companies, Elite has three main plans: Elite Appliances covers eight appliances, Elite Systems protects six systems, and Elite Complete bundles both.

Elite stands out with its high coverage limits, which beat competitors. For appliances, it pays up to $6,000 per claim, compared to the typical $3,000 max. For systems, Elite reimburses up to $10,000, which is the best of any provider. During my secret shopping, Elite offered a 30-day free trial and $150 off when you call to enroll. Because of this deal, I recommend calling for the best price. With higher limits than typical plans, Elite delivers robust protection for key home systems and appliances.

PlanMonthly CostService FeeAvailable Discounts
Elite Appliance$48.99$100$150 sign up, 30-day trial
Elite Systems$52.99$100$150 sign up, 30-day trial
Elite Complete$59.99$100$150 sign up, 30-day trial

Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Baltimore, MD. The cost data presented was accurate at the time of publication. 

Available Add-Ons

Elite Home Warranty offers the following optional add-ons to Maryland homeowners.  These 27 add-ons are more than what most home warranty providers offer. Personally, I like the separate options for water and sewage. There are separate add-ons for drainage, sewer, and water service lines (which are best for homeowners in the city) and septic and well pump add-ons (which are best for homes that live in rural areas without city water and sewage). This way, homeowners only pay for what they need. 

  • Annual maintenance
  • Central vacuum
  • Drainage, sewer, and water service lines
  • Effluent pump
  • Ejector pump
  • Freestanding freezer
  • Freestanding ice makers
  • Freestanding spa equipment
  • Generator
  • Geothermal heating and cooling systems
  • Grinder pump
  • Guest house
  • Jetted and hot tubs
  • Lawn sprinkler system
  • Lift pump
  • Limited roof-leak repair
  • Pool and spa equipment
  • Pool equipment
  • Premium appliances
  • Premium benefits
  • Premium systems
  • Premium systems plus
  • Septic system
  • Sump pump
  • Water softeners
  • Well pump
  • Wine coolers
Exclusions

Elite Home Warranty has several exclusions from its plans, which are inline with other providers: 

  • A lack of maintenance
  • Acts of God
  • Commercial-grade appliances
  • Cosmetic damage
  • Natural disaster-related damages
  • Units in a rental property

Elite Home Warranty’s monthly premiums are standard with industry pricing (between $45 and $60 monthly). However, if you talk with a rep on the phone, some are less than transparent about add-on fees, which can significantly increase costs. Elite has three core plans: Elite Appliances, Elite Systems, and the comprehensive Elite Complete. 

Its $100 service call fee is similar to competitors like Select Home Warranty and American Home Shield. While base pricing is competitive, Elite charges extra fees, adding up over time. Servicing professional-grade appliances is an additional $150 per visit. Weekend and after-hours calls also incur a $150 surcharge. Most add-ons range from $15 to $20 monthly, which is higher than other providers, but is still affordable for the extra protection. A plus is Elite’s trial period, which allows‌ — you to evaluate fit. While pricing is typical, be aware of potential fees when considering Elite Home Warranty.

My experience with Elite Home Warranty was a bit uneven. I found its website hard to navigate, unlike competitors’ sites where you can estimate quotes yourself. With Elite, you must call to get any ballpark pricing and add-on fees aren’t listed online either. The lack of transparent, accessible pricing information online was frustrating compared to other home warranty companies. However, Elite has many positive customer reviews and awards from reputable sites, indicating many homeowners have good experiences.

While the opaque website pricing was a negative, Elite’s reputation shows many customers are satisfied. Overall, my customer experience had pros and cons — the website needs improvement, but the company has built trust through positive reviews. With some changes to enable self-service quoting, Elite could really shine.

Elite Home Warranty has limited online reviews, with under 50 total on sites like Trustpilot and Yelp. The small volume negatively impacts its reputation. However, it is a newer company, and the Better Business Bureau gave strong accreditation and ratings, providing trust.

The few existing reviews are very positive, praising the fast, easy claims process and affordable pricing. Many highlight excellent customer service follow-up to guarantee satisfaction. Negative feedback is mostly about inconsistencies with waiting periods and disorganization, though this may be from misunderstandings.

While the low review volume is a drawback, the largely positive feedback offers assurance in Elite’s services and responsive support. With more reviews over time, Elite can further build its reputation. For now, the small but positive reviews and BBB accreditation provide a decent quality indicator.

Rating SiteRatingNumber of Reviews
BBB4.97Customer Reviews are not used in the calculation of BBB Rating
Trustpilot4.744
Google4.7111
Yelp5.04
Editor’s Note: The ratings provided were accurate at the time of publication.

Elite Home Warranty’s claims process is below average compared to competitors. On the plus side, Elite accepts claims 24/7/365 and has multiple filing options by phone or online. However, the lack of emergency after-hours services is a major drawback, meaning you could be stuck with burst pipes or appliance breakdowns overnight without support. Elite encourages homeowners to file claims as soon as a problem is noticed. You can call their 24-hour claims line via phone or visit www.elitehw.com to start the process. Elite will then authorize you to find a technician or schedule one from their network.

Elite Home Warranty offers its plans to 47 states, including Maryland. While it doesn’t have full nationwide availability, it operates with legitimacy and a strong reputation everywhere it’s available. 


Calculate the Cost of Maryland Home Warranty

Use our home warranty cost calculator to help determine your annual cost for a new home warranty plan. Just type in your monthly premium, the number of service visits you expect in a year, and the service call fee, then the tool will output your complete yearly cost.

Appliance Average Repair Cost Average Replacement Cost
Dehumidifier $50–$200 $1,300–$2,800
Microwave $50–$400 $60–$2,000
Dishwasher $50–$500 $400–$3,000
Exhaust Fans $16–$300 $250–$950
Electric Range $100–$500 $230–$3,000
Gas Range $100–$500 $230–$3,000
Dryer $100–$400 $450–$2,300
Oven $100–$430 $400–$3,000
Washer $50–$450 $400–$2,300
Freezer $90–$500 $160–$2,900
Refrigerator $40–$350 $200–$5,000

Maryland Home Warranty Regulations

In Maryland, home warranty companies are partially regulated under the Maryland Service Contracts and Consumer Products Guaranty Act of 1987. The state Attorney General enforces it upon consumer complaints and aims to protect buyers. This Act establishes requirements like contract duration specifics that home warranty providers must follow.  Required contract inclusions cover timelines, maintenance needs, company obligations during coverage, claims processes, and dispute settlement procedures.

Additionally, industry groups like the Service Contract Industry Council promote self-regulation through standards, ensuring consumer protections are prioritized. Should issues arise, Maryland residents can file complaints directly with the Home Improvement Commission online, by mail, or by phone. 

Between state regulations and rigorous industry standards, there are meaningful consumer protections surrounding home warranties in Maryland relative to less regulated markets. These measures promote more transparent, effective coverage.

Maryland Home Warranty News

According to Maryland State officials, a recent rash of home warranty scams has targeted homeowners. The scams involve residents receiving text messages stating their “home warranty has expired” from companies with generic names like “Home Warranty Division.” The end goal of these scammers is to get your credit card details to complete fraudulent charges. 

Never give out your personal details to someone who contacts you from an unfamiliar phone number, email, etc. Instead, find the home warranty company’s contact details from their website and call them yourself. Only contact reputable companies like the ones I recommend in this article.

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FAQs about the Best Home Warranties in Maryland

Do You Need a Home Warranty in Maryland?

You need a home warranty in Maryland if you want to protect your home systems and appliances from the extreme weather swings from very cold winters to hot, humid summers. Maryland’s coastal climate also brings humidity that can lead to issues.


How Much Does a Home Warranty Cost in Maryland?

The average cost of a home warranty in Maryland is $700 per year. Getting quotes from multiple providers is the best way to find competitive home warranty pricing.


How To Save Money When Shopping for Home Warranties In Maryland?

To save money on a Maryland home warranty, ask about any new customer promos and look for discounts like multi-year plans or group purchases if buying with neighbors. Bundling your home warranty with existing insurance policies can also lead to savings.


Is a Home Warranty Worth It for Maryland Homeowners?

A home warranty is worth it for Maryland homeowners because of the extreme weather swings that can tax home systems. A policy provides peace of mind against expensive repairs, along with being valuable for several other reasons



Other Resources for Maryland Homeowners

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Editorial Contributors
avatar for Jonathon Jachura

Jonathon Jachura

Contributor

Jonathon Jachura is a two-time homeowner with hands-on experience with HVAC, gutters, plumbing, lawn care, pest control, and other aspects of owning a home. He is passionate about home maintenance and finding the best services. His main goal is to educate others with crisp, concise descriptions that any homeowner can use. Jon uses his strong technical background to create engaging, easy-to-read, and informative guides. He does most of his home and lawn projects himself but hires professional companies for the “big things.” He knows what goes into finding the best service providers and contractors. Jon studied mechanical engineering at Purdue University in Indiana and worked in the HVAC industry for 12 years. Between his various home improvement projects, he enjoys the outdoors, a good cup of coffee, and spending time with his family.

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photo of Irma Omerhodzic

Irma Omerhodzic

Irma Omerhodzic, an accomplished editor for Today's Homeowner, brings a wealth of expertise to her role. Holding both a Master's and Bachelor's degree from the E.W. Scripps School of Journalism at Ohio University in Athens, Ohio, Irma is a member of Kappa Tau Alpha, a national honor society in journalism. Beyond her successful editorial career, Irma is a dynamic professional who holds an active real estate license in Ohio. She is proudly affiliated with Howard Hanna, a nationally acclaimed real estate company that stands as the third-largest in the country. In her spare time, Irma finds joy in outdoor adventures, frequently embarking on hikes with her dog. Her love for exploration extends beyond nature, as she equally delights in traveling to new destinations and savoring culinary delights.

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