Best Home Warranty Companies in Maryland (2022)

Being a homeowner in Maryland means having quick access to Washington D.C and Baltimore, the beautiful shoreline, and a central location for any type of travel. In addition, Maryland is known for some humid weather conditions and very hot summers. Having a home warranty on your Maryland home can help you protect both your appliances and systems associated with your house. Some of the best home warranty companies on the market offer their plans in the state of Maryland; the only tricky part can be narrowing them down.

If you have been looking for the best home warranty companies in Maryland, our guide will give you the following information:

• Which Maryland home warranty is the best
• How to choose a Maryland home warranty 
• What should a home warranty cover and protect 

A home warranty is a plan or program that will help protect systems and appliances in the home. If a repair or replacement is necessary, the warranty plan will help to offset the costs and keep a homeowner’s budget in mind.  Keep reading if you need help choosing the best Maryland home warranty.

Maryland’s Top 5 Home Warranty Companies

There is an overwhelming number of home warranty companies for Maryland homeowners to choose from. Each of these companies offers unique benefits and features. We took all of these companies and compared things like coverage choices, policy limits, service fees, pricing, BBB ratings, reviews, and more and narrowed everything down to the top five choices. Here is how the top five Maryland home warranty companies have ranked. 

1. Choice Home Warranty (Best Overall)
2. Select Home Warranty (Most Cost Effective Plans)
3. American Home Shield (Best Customizable Plans)
4. The Home Service Club (Quickest Service)
5. Liberty Home Guard (Most Trustworthy)

Compare the Best Home Warranty Companies in Maryland

1. Choice Home Warranty

Choice Home Warranty is the best overall home warranty provider in Maryland. Choice is a nationwide home warranty service provider that has more than ten years in the industry. One of the things that make Choice stand out from the crowd is the fact that the plan options are quite simple and straightforward. Choice has a very high standard for their contractors and technicians, and the overall customer service reviews are quite high for Choice Home Warranty. Choice Home Warranty has been on the market for close to 13 years, making it one of the most trusted home warranty providers in the nation.

Plans, Cost & Coverage

There are two plan options from Choice Home Warranty, the Basic Plan and the Total Plan. The Total Plan is $53.33 per month, priced very fairly for the coverages that you get. In addition, the coverage caps from Choice Home Warranty are considerably higher than they are with other home warranty companies. Most of the covered appliances and systems have a coverage cap of around $3000. The service fee from Choice is affordable, and it is set at $85. 

Here’s a detailed look at Choice Home Warranty’s coverage: 

• Basic Plan ($42 per month): The Basic Plan from Choice Home Warranty is the value plan and slightly more affordable than the comprehensive plan. This plan covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. For those who are new to home warranty plans, the Basic Plan is a smart option. 
• Total Plan ($53.33 per month): The Total Plan is a comprehensive plan from Choice Home Warranty. This is the better plan choice for Maryland homeowners due to broader coverage. The plan covers all 13 items in the Basic Plan with an additional four items. These additional items are clothes washer, dryer, refrigerator, and air conditioner.
• Add On Options: Choice offers nine optional coverages. These include roof leak, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. The add on coverages start around $5.00 per month and increase from there. 

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

For more information, read our Choice Home Warranty Review.

2. Select Home Warranty 

Select Home Warranty is the most cost-effective option for Maryland homeowners. Owning a home in Maryland can be quite expensive, and finding a home warranty company that takes into mind the expense and the value of the plan is important. Select Home Warranty has been in the market for more than ten years, and the company has always been known for its affordability. One of the unique features of this provider is the fact that it offers free roof leak coverage with any of the plan choices. Most companies make this an add-on that will cost additional money, so this is a great benefit to consider

Plans, Cost & Coverage

There are three Select Home Warranty plans for customers to choose from. These are the Bronze Care, Gold Care, and Platinum Care plans. The Platinum Care plan, priced at $57 per month, is the best overall option because of the number of covered items available for a very fair price. The coverage caps from Select Home Warranty are typically between $500 and $2000. Most of the major appliances and systems have high enough coverage caps to work for most Maryland homeowners. The service fee from Select Home Warranty is very affordable at $60. 

Here’s a detailed look at Select Home Warranty’s coverage: 

• Bronze Care ($52 per month): The Bronze Care plan covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. For those that are new to homeownership, this is a good budget-friendly plan to get started with. 
• Gold Care ($52 per month): The Gold Care plan covers six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. If you look closely at the coverages included in Gold Care, the pricing is considered to be quite fair for what you get. 
• Platinum Care ($57 per month): The Platinum Care plan is just a few dollars more per month than Bronze Care or Gold Care, but it includes double the coverage. Having this much coverage for a fair price is an impressive feature of the Platinum Care Plan. 
• Add on Options: There are several optional add-ons, including central vacuum, lawn sprinkler systems, pools, spas, stand-alone freezers, sump pumps, and well pumps. Roof leak coverage is free of charge for all Maryland home warranty customers. 

To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.

For more information, read our Select Home Warranty Review.

3. American Home Shield 

American Home Shield is the most customizable plan available for Maryland residents. If you want to ensure that your Maryland home has unique coverage built specifically for its needs,  American Home Shield is a perfect choice. With more than 50 years in the industry, this provider offers tremendous workmanship, professional communication, and excellent customer service. You will have no trouble finding positive reviews about American Home Shield in Maryland. 

Plans, Cost & Coverage

There are three home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. These home warranty plans offer impressive coverage and some of the most premium home warranty coverage on the market. The three plans from American Home Shield are just a starting point for coverage; you can then customize the plan to work for your individual needs. The coverage caps in American Home Shield’s home warranties are typically around $2500 but can be higher with the ShieldPlatinum plan. Service fees will range from $75 to $125. 

Here’s a detailed look at American Home Shield’s coverage: 

• ShieldSilver™ ($39.99 per month): ShieldSilver is the most basic option from American Home Shield. This plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener,  heating system, plumbing, and ductwork. With systems being so expensive to replace, this plan offers excellent value to a MD homeowner.
• ShieldGold™ ($49.99 per month): The ShieldGold plan is a comprehensive option. This plan covers 23 home systems and appliances, including many offered on the ShieldSilver plan plus clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. 
• ShieldPlatinum™ ($64.99  per month): ShieldPlatinum has 27 systems and appliances. This is one of the most premium home warranty policies in the industry. In addition to higher coverage caps, there are also other benefits associated with ShieldPlatinum. For instance, a $1,000 coverage for unexpected expenses and an annual tune up for your AC system. 
• Add-On Options: There are several additional coverages offered by AHS, including the septic system, pool and spa, PC, TV, and well pump. Maryland homeowners with a pool tend to enjoy the pool and spa add on. 

To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.

For more information, read our American Home Shield Warranty Review.

4. The Home Service Club

The Home Service Club offers the quickest coverage for a Maryland home warranty. The coverage from The Home Service Club will start just ten days after the purchase of the policy. This is impressive considering most home warranty companies require a 30-day waiting period before the start of coverage. The Home Service Club has been on the market for 13 years and it has a strong reputation in the industry. With The Home Service Club, there is no inspection when you sign up for the policy, and the coverage options are comprehensive, covering both systems and appliances. Homeowners in Maryland feel that the quick coverage and fair overall pricing makes this an excellent home warranty choice. 

Plans, Cost & Coverage

The Home Service Club has two policies for Maryland homeowners, the Standard Coverage plan and the Comprehensive Coverage plan. The Comprehensive Coverage plan is a little more expensive at $63.00 per month with a $95 service fee. However, this plan has 33 covered items. Most premium plans have fewer than 30 and some fewer than 20 covered items. The coverage caps from The Home Service Club range in price from $500 to $2500 and are above industry average. Service fees vary in price from $65 to $125 and our chart below shows the pricing with a $95 service fee. 

Here’s a detailed look at The Home Service Club’s coverage: 

• Standard Coverage ($50 per month): With the Standard Coverage plan, there are 18 covered items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more.  This is a strong basic plan from a home warranty company. 
• Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage has fifteen more covered items than the Standard Coverage. Some of these extra coverages include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. Many coverages under the Comprehensive plan are considered paid add-ons from other companies; this can help you save quite a bit of money. 
• Add-On Options: The Home Service Club has 12 additional or add-on coverages. The add-ons include things like a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, and more. 

To get a free quote from The Home Service Club, fill out this online form.

For more information, read our The Home Service Club Review. 

5. Liberty Home Guard 

Liberty Home Guard is the most trustworthy home warranty in Maryland. To earn the most trustworthy spot within just a two-year period, Liberty Home Guard is doing some things quite well. The company’s quality customer service and attention to detail have helped Liberty Home Guard earn a BBB rating of A. This is the only home warranty company with a rating this high. With the tremendous start that Liberty Home Guard is off to, you can expect to see them at the top of any Maryland home warranty list for years to come. The Liberty Home Guard plans offer broad coverage options and contractor knowledge to back it all up. 

Plans, Cost & Coverage

The three plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard is a home warranty plan that will cover 11 major appliances and systems and it is priced at $64.99 per month. You will notice that the pricing from Liberty Home Guard is slightly higher than other plans, but the response times and customer service are quite impressive. The coverage caps from LHG are around $1500, and the service fee is set at $75. 

Here’s a detailed look at Liberty Home Guard’s coverage: 

• Appliance Guard ($64.99 per month): Appliance Guard will cover 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. This is a good option if you are on a budget and shopping for an LHG home warranty. 
• Systems Guard ($69.99 per month): There are nine systems included in the Liberty Home Guard Systems Guard. These systems include the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. Systems are expensive to replace, and having a bit of help from the Systems Guard plan is a nice benefit.  
• Total Home Guard ($74.99 per month): The Total Home Guard plan covers a total of 20 home systems and appliances. When you see the price difference between the Total Home Guard and the Systems Guard, it’s hard not to spend a few extra dollars a month for the more premium coverage. 
• Optional add-ons: Liberty has one of the most extensive lists of items offered as add-ons. Some of the add-on coverages are unique, including things such as gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and wine refrigerator. There are more than 20 optional coverages as part of the Liberty Home Guard home warranty. 

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

Read our Liberty Home Guard review for more information.

How to Find The Best Home Warranty in Maryland

Now that you are somewhat acquainted with the top home warranty companies, you will have to narrow these five providers down to one, and pick a plan from that provider. Narrowing down the best home warranties in the Free State to the top five choices took a bit of work. However, you will now have to choose the home warranty that best fits the specific needs of your home. There are multiple factors that you should consider when picking a home warranty, but some important ones for Maryland homeowners are overall price, coverage options, and annual limits.

Check the Overall Price

Home warranties come with three different pricing components: monthly premiums, service fees, and coverage limits. You can often save some money by paying in an annual lump-sum, or by buying a policy that lasts a couple of years. Monthly premium costs will also increase greatly when you choose to add some optional coverages to your plan. If you want a plan that’s affordable, aim to find a plan with a monthly payment lower than $75 per month, and a service fee at or lower than $85. This way, your annual coverage limits will be high enough that you can justify the price of the policy, but not so high that you’re paying an arm and a leg out of pocket every month.

Research All Coverage Options

Each home warranty provider offers a different selection of coverages within its plans. Sometimes companies follow the typical route and offer three plans (systems-only, appliance-only and a combo option), but a few only offer two combination plans. Additionally, consider the coverage you need for your home, and be sure not to choose a plan that has you paying for coverage you do not need. American Home Shield is a great option for those wanting to customize their home warranty coverage.

Watch Out For Low Annual Limits

You will be wow’d when you see that some home warranty companies offer plans for around $30 per month for coverage on 10+ appliances and systems… but you will be disappointed when you need a repair, and you hit your annual limit quickly. The sweet spot for coverage is to get annual limits on most items around $2,000. This will usually cover a repair or replacement of every item, should you need it, each contract term. As an added bonus, the monthly premiums won’t be as high as they are for plans with coverage caps at or higher than $5,000.

What is a Home Warranty, and How Does it work?

A home warranty is a protection plan that is in place to help homeowners who are trying to budget and save money on repair and replacement expenses of appliances and systems. Different from a homeowners insurance plan, a home warranty will cover the items that you use daily. When your refrigerator goes down, or your air conditioner stops working, the home warranty plan will step in and cover the expenses for you. For the most part, you can start a home warranty plan just 30 days after your first payment; some providers will require an inspection. 

The process for getting an appliance or system repaired is quite simple. When you notice that you need a repair, submit a claim with your home warranty provider. The claim is going to be processed, and you will be contacted by a local contractor that is ready to come and handle your issue. This is when a homeowner will have to pay a service fee. The service fee is priced between $60 and $150 and should be the only cost associated with the home warranty repair. 

Top Home Maintenance Problems in Maryland

As great as it is to live in Maryland, there are some issues that can cause the home to experience quite a bit of normal wear. Certain home maintenance problems in Maryland will make the home warranty a very valuable plan to have in place. Let’s take a look at the way a home warranty can help you save both time and money on your Maryland home. 

• Plumbing System Issues: Regardless of where your home Maryland is located, having an issue with the plumbing system is a major problem. Plumbing system issues can include sinks, toilets, stoppages, and more. Without a home warranty, a plumber may have to spend hundreds of dollars just to find the issue; this won’t be the case with a warranty in place.
• HVAC Breakdown: Even though Maryland has a central location, the summers get very warm. Having coverage of an HVAC unit repair and replacement could mean that you have enjoyable temperatures again without spending thousands of dollars on a repair.  
• Roof Leak: Maryland tends to see quite a bit of wet weather throughout the course of a year. A roof leak will lead to other damage across the home, and it needs to be fixed as soon as possible. With a home warranty in place, you won’t have to chase down a roofing contractor; the warranty company will have them arrive in a matter of hours.

How Much Does a Home Warranty Cost?

A home warranty plan typically costs between $45 and $65 a month. The average annual costs will be anywhere from $480 to $780 a year. There are three important factors to consider when shopping for a home warranty. The first is monthly pricing, then service fees and coverage caps. All home warranty providers have service fees that will range from $60 to $150, with the average being around $85. Coverage caps are important as some high end systems and appliances with high repair costs may not be covered if the coverage cap is too low. 

What Does a Maryland Home Warranty Cover?

A home warranty plan will cover systems and appliances from normal wear. Most Maryland providers have home warranties that are split into three categories. Some plans have appliance coverage, other systems coverage, and others will have a combination of both system and appliance coverage. The appliances typically covered under the home warranty plan include a washing machine, dryer, refrigerator, dishwasher, microwave, and more. Systems coverage includes things like a plumbing system, electrical system, air conditioner, heating, and several others. There are also add-on coverages like central vacuum, pool, spa, limited roof leak and other unique features that a Maryland home can have. 

Home warranties will only protect against normal wear and tear that occurs on your home systems and appliances. If you have an issue that comes up that was caused by a lack of maintenance around your home, a Maryland home warranty will not cover it. In addition, things like misuse, pre-existing conditions, or cosmetic issues are not covered by Maryland home warranties. 

Our Conclusion

At this point, you should feel more confident about your choices for a great home warranty. Home warranties can save you thousands and thousands of dollars in repairs and replacements on your home appliances and major home systems. Be sure to thoroughly research and compare the top home warranties companies in order to find the one that’s best for your budget and needs.

Whether you are looking for the best value or the most extensive coverage, there are excellent Maryland home warranties available. Choice Home Warranty stands out as the best overall choice because it has simple plans, easy to work with customer service and a very fair and straightforward pricing structure. You also won’t go wrong with companies like American Home Shield or Select Home Warranty protecting your Maryland home. 

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

• Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
• Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
• Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
• Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
• Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
• Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
• Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.