Best Home Warranty Companies in Ohio

By Toni Matthews-El

A home warranty plan adds another layer of protection to your home in addition to manufacturer’s warranties and a homeowners insurance policy. Unlike homeowners insurance that protects against accidents and a manufacturer’s warranty that protects one appliance at the beginning of its life, home warranties cover breakdowns due to normal wear and tear to a number of systems and appliances at once. This can cut down on the amount you spend for a repair if one is ever needed. 

There are dozens of companies that provide home warranties to Ohio homeowners. To help you decide which company is best for you, we’ve compiled a list of the best home warranty providers. Keep reading to learn more about each one.

Ohio’s top 5 home warranty companies

Most comprehensive coverage

  • Offers 4 plans + optional add-ons
  • Guarantees parts and labor for the life of your membership
  • Lets members select their own service technician
  • Has unique benefits like free credit monitoring and discounted supplies

our rating9.1

AFC Home Club review
Most cost-effective plans

  • Provides free roof leak coverage
  • Has optional septic system coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Get 2 extra months free when you sign up today
Editor's Choice

  • 2 plans available + optional add-ons
  • Has over 10 years of industry experience
  • 90-day repair guarantee
  • $36–$44 per month
Most trustworthy

  • All three available plans are under $60.00 per month
  • Has a 60-day workmanship guarantee on all repairs
  • Offers optional add-ons for up to 20 items
  • Customer service available 24 hours a day, seven days a week
Best HVAC Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $28–$43 per month

Top home maintenance problems in Ohio

Understanding some of the common problems you’ll likely face as a homeowner can highlight just how important a home warranty policy is. Let’s take a look at some of the issues in your state.

  • Hard water damage: Hard water is a common occurrence in the Buckeye State. Hard water can cause damage to your home’s plumbing system from the buildup of minerals. A home warranty plan that includes coverage for plumbing systems can help you clear these issues quickly.
  • Water heater damage: Homeowners in Ohio often have to deal with sediment buildup in their water heaters, which can cause fluctuating temperatures in the water you’re using to clean dishes or run showers. A system plan from a home warranty company will provide coverage for this type of issue.
  • Gutter buildup: Cleaning out your gutters infrequently can lead to overflow, which can cause damage to your roofing. If you’re concerned about the condition of your roof, consider choosing a home warranty in Ohio that offers roof leak coverage as an add-on.

1. America’s First Choice Home Club

In addition to offering more coverage options than the other providers in this review, America’s First Choice (AFC) Home Club  also allows you to choose the service technician who works on your home and gives you a workmanship guarantee for as long as you’re an AFC member.

AFC Home Club offers four plan choices:

  • System Plan: The System Plan covers six home systems, including your heating and electrical systems.
  • Silver Plan: The Silver Plan covers nine home appliances, including your oven and clothes washer.
  • Gold Plan: The Gold Plan offers coverage for everything in the Silver and System Plans.
  • Platinum Plan: The Platinum Plan covers everything included in the Gold Plan plus a few additional items.

Here’s what you can expect to pay for your AFC Home Club plan:

Plan name Price per month Price per year
System Plan $43.18 $450
Silver Plan $43.18 $400
Gold Plan $52.27 $550
Platinum Plan $59.09 $625

You’ll also pay a fee each time you request a repair. This fee will be between $75 and $125 depending on the amount you choose at the start of your contract term. 

Claim your free quote from AFC Home Club by filling out this online form or calling 877-755-1115.

2. Select Home Warranty

Select Home Warranty is known as one of the most affordable home warranty providers in Ohio and around the country. If you sign up today, you’ll also get two months of free coverage and free roof protection.

Select Home Warranty offers the following plans:

  • Bronze Care: The Bronze Care plan includes coverage for eight home appliances, like your refrigerator and stove.
  • Gold Care: The Gold Care plan includes coverage for six home systems, like your ductwork and water heater.
  • Platinum Care: The Platinum Care plan includes all coverages in both the Bronze Care and Gold Care packages for just a few extra dollars per month.

Take a look at the cost of each plan:

Plan name Price per month Price per year
Bronze Care $35.83 $429.96
Gold Care $35.83 $429.96
Platinum Care $37.50 $450

You’ll also pay a $75 service fee each time you use your plan.

Claim your free quote from Select Home Warranty by filling out this online form or calling 888-370-3953

3. Choice Home Warranty

Choice Home Warranty has over ten years of experience offering policies throughout the country. Some of the company’s most notable features are a 90-day service guarantee, a 30-day, money-back guarantee, and a mix of system and appliance coverage regardless of the plan you choose.

Choice Home Warranty has two plan options:

  • Basic Plan: Choice Home Warranty’s Basic Plan includes coverage for 14 home components, including your plumbing system and whirlpool bathtub.
  • Total Plan: The Total Plan includes coverage for all appliances and systems on the Basic Plan plus four additional home components.

Here’s what you can expect to pay for your plan from Choice Home Warranty:

Plan name Price per month Price per year
Basic Plan $36.17 $434.04
Total Plan $42.50 $510

You’ll also pay an $85 service fee each time you use your coverage.

Claim your free quote from Choice Home Warranty by filling out this online form or calling 929-400-6164

4. Liberty Home Guard

Liberty Home Guard is a newer home warranty provider that has built an impressive reputation in the three years it has been in business. Some of the most notable characteristics that set Liberty Home Guard apart from competitors include its 60-day repair guarantee, below-average service fee, and long list of add-on options.

Liberty Home Guard has three plans:

  • Appliance Guard: The Appliance Guard plan covers nine home appliances, including your dishwasher and refrigerator.
  • System Guard: The System Guard plan covers six major systems, including your heating system and plumbing system.
  • Total Home Guard: Total Home Guard includes all of the coverages you’ll find in both the Appliance Guard and System Guard plans.

Take a look at the cost of Liberty Home Guard’s policies:

Plan name Price per month Price per year
Appliance Guard $40 $480
System Guard $50 $600
Total Home Guard $60 $720

You’ll also pay a $60 fee each time you request service.

Claim your free quote from Liberty Home Guard by filling out this online form or calling 866-451-2281.

5. First American Home Warranty

First American Home Warranty has more experience than the other providers in this review with about 35 years in the business. With a First American policy, you’ll have access to 24/7 claims reporting and the First Class Upgrade add-on that covers improperly installed or maintained systems and appliances.

First American Home Warranty has two levels of coverage:

  • Basic Plan: The Basic Plan covers nine home appliances, including your refrigerator and garbage disposal.
  • Premier Plan: The Premier Plan includes coverage for all of the appliances found in the Basic Plan plus eight home systems. 

Here’s how much First American Home Warranty costs: 

Plan name Price per month Price per year
Basic Plan $28 $336
Premier Plan $42.50 $510

You’ll also pay a $75 service fee each time you use your plan.

Claim your free quote from First American Home Warranty by filling out this online form or calling 833-204-7164

Ohio home warranty buying guide

There are dozens of companies offering Ohio home warranties. Narrowing down your plan options can be time-consuming, so here are a few considerations that will speed up the process.

  • Optional add-ons: One of the best ways to customize your plan is through optional coverages. If you have items in your home like a pool or second refrigerator you want to protect, look for home warranty providers that offer add-ons you can tack onto your plan for a little more each month.
  • Coverage for other properties: Home warranties always cover single-family homes that you own. However, if you live in a mobile home, duplex, condo, or other type of property, the provider you’re looking at may not offer you coverage. That’s why we recommend calling the company to verify your home can be protected.
  • Home inspection: Some home warranty companies require an inspection before coverage can begin, especially if your home is older. While this ensures you have proof that all of your systems and appliances are in working order, it does mean that you can’t purchase coverage today.

Our conclusion

Still not sure which home warranty plan is right for your home? We recommend contacting each of our recommended providers for a custom quote, since pricing and coverage options can vary from location to location.

Frequently asked questions about Ohio home warranties

How much should I pay for a home warranty?

The average cost of a home warranty in Ohio is around $300-$500 a year. You’ll also pay a per-incident service fee whenever you need to use your plan, which is usually between $75 and $125.

What is a service fee?

A service fee is the amount you pay when you need a repair or replacement to one of your covered systems or appliances. You’ll pay this directly to the contractor who comes to your home for diagnosis and repair, and the remaining expenses will be covered by your home warranty company.

Will my home warranty cover me after a fire?

No. Home warranties only cover damage that results from normal wear and tear. However, your homeowners insurance will cover any losses endured by a fire.

See the best home warranty companies in your state

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