Best Home Warranty Companies in Ohio (2022)

Ohio homeowners get to enjoy four beautiful seasons of weather, a central location for travel, and city or country life. Homeownership in Ohio can be affordable, and that is a significant attraction for many people. However, along with homeownership, there can sometimes be headaches. Home systems and appliances can experience issues that eat away at your savings and make budgeting nearly impossible. Choosing the best home warranty companies on the market can be pretty challenging. There are many to choose from, and they all offer unique benefits.

This guide covers:

• How to choose the best home warranty 
• Why Ohio homeowners need a home warranty policy
• The best home warranty companies in Ohio in 2022
• Tips for Ohio homeowners
• and much more . . .

Top 5 Best Home Warranty Companies in Ohio

Ohio homeowners have more than 50 home warranty company options to choose from. When we broke these companies down into the top five, we considered things like the overall pricing, service fees, customer satisfaction, customer reviews, coverage caps, cancellation fees, and more. Here is how the top five plans in Ohio 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 Ohio  

1. Choice Home Warranty 

Choice Home Warranty is the best overall home warranty in Ohio. Choice Home Warranty has excellent customer service, fair pricing, and impressive coverage. One of the things that really helps Choice Home Warranty stand out is the overall simplicity of working with this company. Choice Home Warranty makes things simple, from the initial quote to the service contract to when you file your first claim. Homeowners enjoy the fact that there is very little fine print or hidden fees involved with the Choice Home Warranty plan. 

Plans, Cost & Coverage

Choice Home Warranty has two plans for Ohio homeowners to choose from. The plans are the Basic Plan and the Total Plan. One of the unique things about these plans is that they cover a mix of systems and appliances. When you have both systems and appliances, the coverage is considered comprehensive. Coverage caps from Choice Home Warranty are higher than most others in the industry. Most appliances and systems are covered with a $3,000 coverage cap. The service fee from Choice Home Warranty is $85, which is slightly below the industry average. 

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 option with a very fair monthly price. With the Basic Plan, you get coverage for 13 items, including the plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater.
• Total Plan ($53.33 per month): The Total plan covers all 13 items in the Basic Plan with an additional four items. The other items are the clothes washer, dryer, refrigerator, and air conditioner. The Total Plan is just a few extra dollars per month, but the difference in coverage is well worth paying for. Ohio homeowners find that the washer and dryer are two appliances subject to breaking down because of the amount of use they get.  
• Add On Options: Optional coverages from Choice Home Warranty include roof leak, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. The optional coverages vary in price but start around $5.00 per month. 

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 home warranty plan for Ohio homeowners. Although you won’t want to choose a home warranty based on price alone, Select Home Warranty offers a great combination of fair pricing and extensive coverage. One of the things that help Select Home Warranty stand out is its complex contractor approval process. This means that they do quite a bit of training and vetting to ensure the contractors coming into your home are fully capable of fixing any issues that you may have. 

Plans, Cost & Coverage

Select Home Warranty has three plan options for Ohio homeowners. With all of the Select Home Warranty plans, you will notice that affordability is a significant component. The Select Home Warranty plans include Bronze Care, Gold Care, and Platinum Care. The Platinum Care plan, priced at $57 per month, is the best value from Select Home Warranty because of the mix of appliance and system coverage. Coverage caps from Select Home Warranty are slightly lower than with other home warranty companies, and that is how Select Home Warranty keeps the monthly pricing down. Coverage caps with Select are around $1500 on the high end and $500 on the low end. The service fee is $60, which is below the industry average. 

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

• Bronze Care ($52 per month): The Bronze Care plan from Select Home Warranty covers seven major appliances. These appliances include a refrigerator, built-in microwave, clothes washers and dryers, ovens, garbage disposals, and cooktops. 
• Gold Care ($52 per month): The Gold Care Plan is the same price as Bronze Care, but there are no similar coverages between the two plans. There is coverage for six systems: plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork.
• Platinum Care ($57 per month): The Platinum Care Plan is just $5.00 more per month, but it includes double the coverage you get with the Bronze Care and Gold Care plans. The Platinum Care plan is a mix of systems and appliance coverage, and for the fair price it is offered, it has become one of the most popular choices in Ohio. 
• Add on Options: There are several optional coverages that Select Home Warranty offers as part of its home warranty plans. These will include central vacuums, lawn sprinkler systems, pools, spas, stand-alone freezers, sump pumps, and well pumps. Having the free roof leak coverage could save you more than $10 per month, and it will ensure your home stays dry.

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 in Ohio. With the American Home Shield plan, you will benefit from 50 years of experience in the industry. American Home Shield is considered Ohio’s most premium home warranty. With the ability to pick and choose coverages and increase or decrease your service fees, an American Home Shield plan is a policy that you can trust to show up when you need it. Although some of the pricing with American Home Shield can be a few dollars higher, it is still a great value. 

Plans, Cost & Coverage

There are three home warranty plans from American Home Shield; ShieldSilver, ShieldGold, and ShieldPlatinum. All three American Home Shield home warranty plans have coverage caps of around $2500. ShieldPlatinum comes with a slightly higher coverage cap, closer to $6,000 for some covered items. American Home Shield offers customers these three plans to choose from, but in the end, they will allow for quite a bit of customization of the plan. The coverage caps from American Home Shield are also customizable ranging from $75 to $125. 

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

• ShieldSilver™ ($39.99 per month): The ShieldSilver plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener,  heating system, plumbing, and ductwork. Systems plans can help save you from substantial repair expenses. 
• ShieldGold™ ($49.99 per month): ShieldGold is one of the more popular choices from American Home Shield. This plan covers 23 home systems and appliances, including the systems from ShieldSilver, plus a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. With ShieldGold, you will have peace of mind about both systems and appliances. 
• ShieldPlatinum™ ($64.99  per month): ShieldPlatinum has 27 systems and appliances included as part of the plan. AHS included other benefits with the ShieldPlatinum plan, like higher coverage caps and even a $1000 homeowners insurance deductible credit. Although this plan may be more expensive than others on the market, it includes more coverages.
• Add-On Options: The add-on coverages offered alongside the American Home Shield plans are septic system, pool, spa, PC, TV, and well pump coverage. There are only a few add-on coverages, but you can still customize an American Home Shield plan to work for you. 

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 an Ohio home warranty. Most home warranty companies require a 30 day waiting period for the coverage on your home to go into effect. However, with The Home Service Club, the coverage starts in just ten days. The Home Service Club has been on the market for more than 13 years, making it one of the most well-known home warranty companies in the industry. With The Home Service Club, you will get fair coverage caps and a great range of covered items included in your home warranty plan. 

Plans, Cost & Coverage

There are two home warranty plans from The Home Service Club; Standard Coverage and Comprehensive Coverage. Standard Coverage includes most home systems and appliances is seen in most other home warranty plans. Comprehensive Coverage will have some unique options and a total of 33 covered systems and appliances. The coverage caps from The Home Service Club will range in price from around $500 to $2,500. The Home Service Club’s service fee is customizable and will range in price from $65 to $125. 

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. For the price of the plan, this many covered items is quite impressive. 
• Comprehensive Coverage ($63.00 per month): Comprehensive Coverage has about fifteen more covered items than Standard Coverage. The additional coverages include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. Many of the comprehensive coverages included in The Home Service Club plans are add-on options for other home warranty plans. 
• Add-On Options: The Home Service Club also offers 12 additional or add-on coverages in addition to their home warranty plans. These can include coverage on the well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, and more. Add-on options will increase the price of your home warranty plan, starting at around $5 per month. 

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 Ohio. As a home warranty company, earning the trust of homeowners is extremely important. It often takes many years to be considered a trustworthy home warranty, but Liberty Home Guard has done it in just three. After three years in the industry, Liberty Home Guard has earned an A BBB rating, which is almost unheard of in the home warranty industry. Liberty earned this rating by paying close attention to the needs of home warranty customers, responding to repairs quickly, and offering a wide range of coverage for the policyholders. 

Plans, Cost & Coverage,

The three plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The Total Home Guard Plan, offered at $74.99 per month, is the comprehensive plan choice from Liberty Home Guard, with a total of 20 home systems and appliances. Liberty Home Guard has the most coverage caps in the $1,500 range, and it is known for its attentive customer service. Liberty prices its Service fees fairly at $75.  

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

• Appliance Guard ($64.99 per month): The Appliance Guard plan from Liberty Home 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. 
• Systems Guard ($69.99 per month): The Systems Guard plan has a total of nine systems but no appliances. This policy includes the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater.
• Total Home Guard ($74.99 per month): The Total Home Guard plan is a comprehensive plan from LHG and costs just $5 more per month than the Systems Guard. If you are interested in complete home coverage, the Total Home Guard plan will make the best overall choice. 
• Optional add-ons: Customers can add more than 20 add-on coverages to a Liberty Home Guard plan. Some coverages include gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and wine refrigerator. The add-on coverages tend to rack up rather quickly in price, so it is important to consider this as you are customizing your plan. 

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.

Home Warranty Coverage in Ohio Cities

• Cincinnati, OH
• Cleveland, OH

How to Find the Best Home Warranty in Ohio

Narrowing the top home warranty companies down to the top five choices took quite a bit of work. However, the job is not yet done. At this point, you will need to take a strong look at these options and decide which one could be the best for you. Whether you live in Cleveland, Cincinnati, or in a suburban area, a home warranty is sure to relieve stress. There are lots of ways that you can compare one company to the next. Three of the most important factors to consider are the monthly pricing, coverage caps, and workmanship guarantee. 

Monthly Pricing

The monthly pricing of the plan is the overall cost of the policy. The pricing has to justify itself at the end of the year, so finding a great deal is essential. Keep in mind that you can start with a policy with limited coverage and expand as you see the value in a home warranty. 

Coverage Caps

A coverage cap or limit is the amount of money you can spend on an individual covered item throughout your policy year. Some plans have coverage caps of around $500 per item, and others will be closer to $3000. If you have high-end appliances or systems, you need higher coverage caps or policy limits. 

Workmanship Guarantee

Although it would be great if all repairs were permanent, sometimes a repair ends up being temporary. To help ensure that you are not charged for more than one service fee, most home warranties have a workmanship guarantee in place. Some of these guarantees will last for 90 days; others will last for 180 or more.

What is a Home Warranty and How Does it Work?

A home warranty is a plan that will protect your budget and your savings account from the high costs of a system or appliance repair and replacement. Owning a home is great, but things can get a bit stressful and overwhelming when issues come up around the home. Home warranty companies allow you to pay a monthly premium and receive very low-cost home-related repairs. Most home warranty plans will go into place just 30 days after paying your premium, without the need for an inspection. 

With a home warranty in place, you will simply file a claim each time you need an appliance or system repair. You submit a claim via phone or internet, and the home warranty company will handle it from this point forward. A qualified repair technician will come to your home, inspect the issue, and fix it. Homeowners are responsible for paying a service fee with each repair, but this should be the only out-of-pocket cost. The service fees are typically between $60 and $150. 

Top Home Maintenance Problems in Ohio

With the central location of Ohio, homeowners can expect to have four very distinct seasons. However, the difference between the summer and winter temperatures can be quite extreme and do some damage to the systems and appliances in an Ohio home. Three areas of the home where Ohio residents experience maintenance problems are the HVAC, heating system, and plumbing issues. 

• HVAC: Ohio summers are warm and humid. Although the nights will sometimes cool off a bit, for the most part, it is quite warm. Having a home with HVAC is a great thing, but fixing the HVAC units is expensive. Parts and labor to repair HVAC can cost thousands of dollars. A home warranty will help ensure this does not happen. 

• Heating Systems: A heating system is necessary during an Ohio winter. However, everyone will be calling heating contractors to have them come and repair the system. Luckily with a home warranty in place, you will be guaranteed service to your heating system within a short period. Many home warranties will have an issue fixed in 24-48 hours. 
• Plumbing Issues: Plumbers are in high demand, and this means that they can charge higher pricing. To come and inspect the plumbing issue that you have in your home, you can expect a fee quite a bit higher than the service fee associated with your home warranty. 

How Much Does a Home Warranty Cost? 

Most providers price a home warranty plan between $45 and $65 a month. The average annual costs will be from $480 to $780 a year. Ohio homeowners should consider the monthly pricing, coverage caps, and service fees when determining if a home warranty is worth the money.  All home warranty providers have service fees that will range from $60 to $150, with an average of around $85. Coverage caps can be as low as $100 and as high as $6,000. Most homeowners look for the highest coverage caps they can find, especially when they have high-end systems and appliances. 

What Does an Ohio Home Warranty Cover?

A home warranty plan is put in place to cover normal wear and tear issues. With a home warranty, the coverages are split into three main groups: appliances, systems, and optional coverages. Optional coverages are extra because not all homeowners have them as part of their plan. The coverages usually include a swimming pool, spa, roof leaks, and even a sump pump. The appliances covered under a home warranty plan are typically the refrigerator, microwave, dishwasher, dryer, oven, and more. Systems are air conditioning, heating system, sewer line, electrical system, ductwork, plumbing system, and more. 

All Ohio homeowners should know that a home warranty does not protect against intentional breakage or lack of maintenance. If you do not take care of your property, the home warranty will not do it for you. In addition, if you have pre-existing issues or a natural disaster, the home warranty will not offer protection. As long as you keep good service records and carefully maintain your home, you should have no issues. 

Final Thoughts

Hopefully, you now feel ready to pick a home warranty for your Ohio home. These five options offer various benefits, fair pricing, impressive customer service, and trustworthy home warranty companies. However, Choice Home Warranty stands out as the best overall option on the market. Choice Home Warranty offers such a great value and a simple approach that it makes a good choice for most Ohio homeowners. Don’t hesitate to get quotes from more than one company to ensure you get the best deal on your home warranty. 

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.