Best Home Warranty Companies in Utah (2022)

Living in Utah means beautiful landscapes, low crime rates, affordable housing, and access to some of the best skiing in the country. It is easy to find a reason to purchase a home in Utah; however, it is not always easy to be a Utah homeowner. Homeownership can be pretty stressful when systems and appliances start to break down and cause issues for homeowners. 

With Utah having a wide range of temperatures throughout the course of a year, there are times when home systems and appliances will be under a great deal of stress. In addition, high altitude can bring up issues with the functionality of things like your home plumbing system. Let’s take a look at the best home warranty companies to ensure your home and your budget are well protected.

Utah’s Best Home Warranty Companies in 2022

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

Quick Comparison of Home Warranty Providers

Choice Home Warranty

• Our Take: Best Overall
• Average Annual Cost: [$550] – [$650]
• Response Time: Up to 48 hours

Choice Home Warranty is a premier home warranty company with close to 14 years of experience. With the Choice Home Warranty plan, you will benefit from quick response times, fair coverage options, and higher coverage caps than most other plans in the industry. Choice Home Warranty is well known for having availability throughout the entire state of Utah. With two comprehensive plan choices, Choice Home Warranty coverage is quite impressive.

Pros and Cons

✓ Impressive customer service

✓ Comprehensive plan options that cover both systems and appliances

✓ 90 Day Repair Guarantee

X No Customization of plan

X 30 Day waiting period to start

Plans and Pricing

Even though Choice Home Warranty is the top home warranty provider in Utah, there are only two plans to choose from. The good news is that each of these plans has a mix of both system and appliance coverage. The pricing for Choice Home Warranty starts at around $42 per month for the Basic Plan and goes to $54 per month for the Total Plan. The service fee for Choice Home Warranty is $85.

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

• Basic Plan ($42 per month): The Basic Plan from Choice Home Warranty 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. This is a budget-friendly plan but still has a mix of systems and appliances.
• Total Plan ($53.33 per month): The Total Plan is the more comprehensive plan and covers all 13 items in the Basic Plan, plus an additional four items. The Total Plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. These four add-ons are quite crucial for Utah homeowners to consider.

Coverage

Choice Home Warranty has several add-on coverages that you can attach to either of its plans.

• Roof leak coverage (single-family homes only)
• Central Vacuum
• Septic Tank
• Well Pump
• Pool
• Spa (Can be combined with pool coverage if equipment is shared)
• Sump Pump (must be permanently installed)
• Stand Alone Freezer

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

Read the full Choice Home Warranty Review.

Select Home Warranty

• Our Take: Most Cost Effective
• Average Annual Cost: [$579] – [$650]
• Response Time: Up to 48 hours

Select Home Warranty is the most cost effective home warranty plan in the state of Utah. With the Select Home Warranty plan, you will get a comprehensive coverage plan choice, some budget-friendly options to choose from, a fair deductible or service fee, and more than 10 years of industry experience. Select Home Warranty also provides Utah homeowners with free roof leak coverage, one of the only service providers to do so.

Pros and Cons

✓ High workmanship quality

✓ Free roof coverage

✓ Good selection of appliance plan, systems plan, and combo plan

X Must file a claim within three days

X Coverage caps can be lower

Plans and Pricing

Select Home Warranty is known for providing homeowners with peace of mind while still paying attention to your budget. The Bronze Care and Gold Care plan are the basic systems-only and appliance-only plans, but the Platinum Care is a comprehensive model with plenty of coverage for your Utah home. The service fee from Select Home Warranty is very fairly priced at just $60.

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

• Bronze Care ($52 per month): The Bronze Care plan is an appliance-only home warranty plan. This plan covers seven major appliances, including a refrigerator, built-in microwave, clothes washer and dryer, oven, garbage disposal, and cooktop. 
• Gold Care ($52 per month): The Gold Care plan is a system-only plan from Select Home Warranty. There is coverage for six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. 
• Platinum Care ($58 per month): The Platinum Care plan will include all of the appliances under the Bronze Care plan and all of the systems under the Gold Care Plan. For just a few extra dollars per month, the Platinum Care Plan is your best overall investment.

Coverage

Select Home Warranty has several add-on coverages that you can attach to either of its plans, roof leak coverage is included without having to pay extra.

• Central vacuums (Does not include clogged pipes)
• Lawn sprinkler systems
• Pools (Can combine with spa coverage if the equipment is shared)
• Spas
• Stand alone freezers
• Sump pump (must be within the foundation of the home)
• Well pump

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

American Home Shield

• Our Take: Best Customizable Plans
• Average Annual Cost: [$479] – [$779]
• Response Time: Up to 48 hours

American Home Shield is the most customizable home warranty plan in Utah. When you are looking to cover your major systems, the American Home Shield plan is known for its 50 years of industry experience, impressive customer service, and quick response times to your issues. In addition, regardless of the plan you choose, there are still customizations available with each. The American Home Shield service fee is also customizable.

Pros and Cons

✓ 50 years of industry experience

✓ Low chance of claim denial

✓ 24/7 online support for your home warranty plan

X Cancellation fees if canceled after the first 30 days

X Pricing for some plans is considerably higher

Plans and Pricing

American Home Shield home warranty has three impressive plans to choose from. If a covered item under these plans does not fit your needs as a homeowner, you can edit the plan to work for you. The coverage limits are also quite high with your American Home Shield service contract, most starting around $2500 per covered item. The plans are ShieldSilver, ShieldGold, and ShieldPlatinum, and they have service fees that range 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, central vacuums, doorbells, garage door opener, heating system, garbage disposals, ceiling fans, instant hot/cold water dispenser plumbing, and ductwork.

• ShieldGold™ ($49.99 per month): ShieldGold is the combo plan covering both systems and appliances. There are 23 home systems and appliances on this plan. The ShieldGold plan has additional coverages, including a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. This is the budget-friendly combo plan from AHS.
• ShieldPlatinum™ ($64.99  per month): The ShieldPlatinum plan includes 27 systems and appliances. Pricing for ShieldPlatinum is slightly higher, but it is one of the more premium home warranty plan choices in the state of Utah. Having home appliances and home systems under one plan will greatly improve your peace of mind as a homeowner.

Coverage

American Home Shield also offers several add-on coverages for homeowners to consider.

• Septic system (first-year customers only, nonrenewable)
• Pool
• Spa
• PC
• TV (includes home theater system)
• Well pump coverage

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

To read more, visit our American Home Shield review.

The Home Service Club

• Our Take: Quickest Service
• Average Annual Cost: [$600] – [$756]
• Response Time: Within 24 hours

The Home Service Club offers the quickest service of any home warranty plan in the state of Utah. With The Home Service Club coverage, your policy will start just ten days after your home warranty is paid for. Most other companies in the industry will wait 30 days before coverage begins. The Home Service Club has some of the most comprehensive coverage on the market and very few exclusions. Homeowners in Utah find this an easy company to work with and a great option when selling or buying a home.

Pros and Cons

✓ 13 years of industry experience

✓ Policy starts in just ten days

✓ Positive customer reviews

X No plan customization

X Does not have an ultimately budget-friendly cheap plan option

Plans and Pricing

There are two home protection plans from The Home Service Club. The Standard Coverage is a combo or comprehensive plan with an impressive coverage of the entire home. The Comprehensive Coverage homeowner will nearly double the number of covered items in the Standard Coverage plan. The service fee from The Home Service Club is customizable and ranges from $65 to $125.

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

• Standard Coverage ($50 per month): The Home Service Club Standard Coverage Plan has 18 covered items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. 
• Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from The Home Service Club has 33 covered items. These extra coverages include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. For the small difference in price, the Comprehensive Coverage tends to be a good choice for those who have invested in new real estate.

Coverage

The Home Service Club also has plenty of add-on options, starting around $5 per month and increasing from there.

• Well pump
• Service line
• Plumbing sprinkler
• Spa
• Roof Leak (up to $1000 in coverage)
• Spa heater
• Free standing freezer
• Water softener
• Pool (can be combined with spa coverage if the equipment is shared)
• Sprinkler system
• Pump (Sewage ejector pump)

To get a free quote from The Home Service Club, fill out this online form or call 800-842-9334. 

To learn more information, visit our The Home Service Club review.

Liberty Home Guard

• Our Take: Most Trustworthy
• Average Annual Cost: [$649] – [$749]
• Response Time: Within 24 hours

Liberty Home Guard is the most trustworthy home warranty plan in Utah. The interesting thing about the Liberty Home Guard home warranty is that it has only been on the market for about 4 years but has still earned an A rating with the BBB. Whether you have a new home or simply think it is time to protect your old home, Liberty Home Guard will not turn you down. With great appliance and systems coverage and a strong workmanship guarantee, the Liberty Home Guard plans are well respected in the industry.

Pros and Cons

✓ BBB rating of an A after a short time in the industry

✓ Easy to use customer claim portal

✓ A large list of add on coverages

X No plan customization

X Has only been on the market for a few years

Plans and Pricing

Liberty Home Guard has three plans to choose from, the Appliance Guard, Systems Guard, and Total Home Guard. All three of the plans have an online portal system that allows you to submit claims quickly and enjoy fast responses to your needs. The service fee from Liberty Home Guard is $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 has coverage for 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 is a systems-only option with nine systems. These systems are 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 is the best value from LHG. Total Home Guard has more than 20 covered systems and appliances. If you want a plan that covers appliances and systems, the Total Home Guard is the best overall option.

Coverage

Liberty Home Guard has one of the most extensive lists of add-on coverages in the industry; these include:

• Pool and spa
• Additional spa (Billed as an extra to the pool system)
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system (all mechanical parts)
• Electronics protection
• Swamp cooler
• Ejector pump
• Septic system pumping
• Limited roof leak
• Pest control
• Locksmith
• Free-standing ice maker
• Central vacuum
• Stand-alone freezer
• Re-key
• Second refrigerator
• Wine refrigerator
• Well pump
• TV and PC
• Generator
• Water dispenser 

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

To learn more information, visit our Liberty Home Guard review.

Home Warranties in Utah Cities

How Much Does a Home Warranty in Utah Cost?

A home warranty company in Utah will cost about $713 a year or about $58 per month. The service fees and add-on costs are going to impact the overall pricing that you will pay for your plan. When shopping for a Utah home warranty on a budget, be sure to look for plans that have customizable pricing.

Compare the Best Home Warranty Companies in Utah

Final Thoughts

Hopefully, you now feel as though you can choose a Utah home warranty with confidence. The home warranty industry in Utah is a strong one, and there are lots of great options for people to choose from. Choice Home Warranty is the best overall home warranty in the industry. With 13 years of experience, impressive customer service, and fair pricing, Choice Home Warranty stands out as the best overall option. It makes sense to get a few quotes from several of the home warranty companies on our list; there is bound to be a perfect choice for your Utah home. 

How to Choose the Best Home Warranty in Utah

Choosing a home warranty requires you to pick and choose between hundreds of plan choices; here are a few things that should be considered before deciding on the best plan for your needs.

• Budget: If you are on a tight budget, you may need to take a look at a sample contract and choose a plan with less coverage. Some home warranty plans offer customizable plans that will help ensure you can keep your budget intact and get the coverage you need.
• BBB Ratings: For home warranty companies that have been on the market for quite some time, the BBB ratings can help you determine if the plan is a strong one. The BBB rating of an A or A+ is very high and will have excellent customer reviews to back it up.
• Optional Coverages: Not all homes have the same features, and optional coverages will help you ensure that you have coverage for things like your pool, spa, and extra refrigerators.

The state of Utah can cause some unique home-related issues. One of the top issues that we notice in this area is problems with the heating systems. With the cold in the winter and the extra snow that many areas of Utah experience, heating systems will go through quite a bit of normal wear and tear. Having the home warranty in place to jump in and quickly fix those expensive parts is a very smart idea.

Many Utah homeowners also have some altitude to deal with in their homes. This can impact the effectiveness of appliances long term, and it will also make plumbing a bit more difficult. Laundry room appliances tend to be a concern for many people as they are typically purchased in pairs and will require replacement at the same time.

Keeping your budget in mind and ensuring that you have the optional coverages in place that will impact the effectiveness of your home warranty is essential. All homeowners need to be very mindful of the individual coverages they choose and how this impacts their plan.

What is a Home Warranty?

A home warranty is an optional service contract available to homeowners throughout the state of Utah. A home warranty provides specific coverage for home systems and appliances that may experience normal wear. The home warranty will make it so that you do not have high out-of-pocket costs for repairs, and you can ensure that your home stays well protected from unexpected issues that come up. Home warranty plans will cover a wide range of systems, appliances, and other optional coverages like sprinkler systems and roof coverage.

Home Warranty vs. Homeowners Insurance

Many homeowners think that a home warranty and homeowners insurance will overlap, but this is typically not the case. The homeowner’s insurance is in place to protect your home against natural disasters and major issues like a fire or a tornado. A home warranty protects your budget from the repair and replacement costs of the home systems and appliances that we use daily. Homeowners insurance is mandatory for those with a mortgage in place, but a home warranty is optional.

How Does a Home Warranty in Utah Work?

A home warranty is a unique process that many homeowners are not accustomed to. When a home warranty-related issue occurs in your home, with something like the HVAC system or the hot water dispenser, you will need to contact your home warranty company for a service call right away. Follow this step-by-step guide to how a home warranty in Utah works.

• Purchase a home warranty policy and wait the 10-30 days before the home warranty will go into effect
• When breakdowns with home systems and appliances occur, check your policy documents to ensure that the repair will be covered
• Use the online portal system, a phone call, or a live chat to let a representative know about your home warranty-related issue
• Pay the service call fee before the representative comes to your home to inspect the issue; expect this to happen with 24 to 48 hours after submitting a claim
• Once the issue is inspected, options for repair or replacement will be presented to homeowners; if the appliance or system can’t be repaired, the home warranty plan could offer replacement options
• Repair should happen within 24-72 hours, depending on parts needed and the schedule of the contractor or service technician
• If any issues occur within the free reservice period, simply let the home warranty provider know and they will come back and repair the issue free of charge

What does a Home Warranty Cover?

A home warranty plan will protect homeowners from expensive issues with home systems and appliances. However, it is essential to note that a home warranty that covers a roof or a washing machine may not cover the entire part or all instances of damage. For the most part, the home warranty will only protect against normal wear.

Normal wear happens because we use our home systems and appliances quite often. If you do a load of laundry each day, the chance of your washing machine needing repair is quite high. Most of the main parts of the machine will be covered, as well as any issues with the electronics panel or overall functionality.

Home warranty providers typically offer appliance coverage, home system coverage, and add-on coverage options. These will include things like roof leak coverage, sprinkler systems, and maybe even a well pump on your property.

What is Not Covered by a Home Warranty?

As great as a home warranty plan is, there are times that your claim will be denied by the service provider. Home warranty plans have certain exclusions regardless of if you have a Gold Plan or Platinum Plan from the provider. The most common exclusions from a home warranty plan are:

• Cosmetic issues
• Natural disasters
• Lack of maintenance and upkeep
• Intentional breakage
• Misuse of a system or appliance

Even though you have a home warranty in place, you must still properly maintain your home system and appliances. If you cannot do this, then the provider will not cover issues that surface. In addition, it can be helpful to get an inspection before the start of your plan; this will let the home warranty provider see that all systems and appliances are in good working condition.

Biggest Complaints about Home Warranty Companies in Utah

When you read through reviews from homeowners in Utah who have invested in a home warranty policy, some complaints come up. Some of these are related to the provider directly, and others will typically deal with the overall concept of a home warranty plan.

One of the biggest problems that homeowners run into is a claim denial from the provider. If you do not look at the fine print of your home warranty policy, you may end up finding that many of the issues that you submit a claim for are not covered. For instance, a plan may have dishwasher coverage, but this very rarely includes the racks or the rollers inside the dishwasher.

Another complaint that some Utah homeowners have is with a technician that could not repair an issue the first time they came out. The workmanship guarantee should cover this problem and make it easier to ensure you will only pay one service fee. When shopping for your home warranty plan, take a close look at the service fees that are part of the plan.

Are home warranties worth it?

Home warranty plans are worth it for many homeowners. However, in order to decide if this is the right plan for you, there are a few things to consider. The first is whether or not you are handy when it comes to fixing things around the home. If your refrigerator started making a noise tomorrow, would you know what to do? Those that are handy and into DIY solutions for home systems and appliances may not find the home warranty to be all that effective for their needs.

In addition to being handy, you will also need plenty of time to complete these problems. For those with busy work and family schedules, taking time out of the day to research how to fix a well pump or a plumbing system may not be possible. Home warranty plans offer quick solutions to issues so that you don’t have to take the time out of your day.

Although a home warranty will add money to your monthly budget, it could also save you thousands of dollars. A typical HVAC repair will cost more than $550. The home warranty likely has a service fee priced around $75. Getting a repair for $75 that would have otherwise cost you $550 is a tremendous saving.

At times a home warranty plan will also offer a replacement. Coming out of pocket for $800 for a new stove or washing machine is not a reality for many homeowners. A home warranty plan will help offset these costs, and the new washer may only cost $150. For those on a tight budget that are worried about unexpected expenses, the home warranty plan is well worth the money.

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. 

To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

To make the most of our research, we developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria.