When one of your systems or appliances stops working, a home warranty will step in and help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
With hot summers, maintaining your home appliances and systems, especially HVAC, are very important for homeowners in the Miami area of Florida.
Because the home warranty market has many providers — all with different price points — the House Method team decided to do the research for you to help you find the best home warranty in Miami.
The first step in protecting your home with a home warranty is determining which provider's plan is right for you. Think about the items in your home you'd like coverage for and compare the plans. Below are some factors to consider when buying a home warranty in Miami:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
In Miami, Choice Home Warranty offers the best overall home warranty. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are comprehensive and offer a mix of both system and appliance coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice's plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
For more information on this provider, read our full review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Miami, Select Home Warranty is the most cost-effective home warranty. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Miami area.
For a more detailed breakdown, read our Select Home Warranty Review. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
In Miami, American Home Shield is the most customizable home warranty. The 3 plans from AHS are comprehensive and offer both system and appliance coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500 at the maximum.
Read our American Home Shield Review to learn more. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Miami residents. When you purchase a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
To read more, visit our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Miami. Liberty has about 5 years of experience in the industry and in that time has built a an expansive network of service technicians nationwide. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 policies that Liberty offers include options for appliance and system coverage.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Miami area.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For more information, read our comprehensive review of Liberty Home Guard.
Five years of industry experience
Fact service with 24/7 customer support
Discounts for paying the annual price
Free roof leak coverage
Limited availability (only offered in 44 states)
Only 1 day to submit repair claim
In Miami, ServicePlus Home Warranty offers the best home warranty for emergency service. The 2 plans from ServicePlus are easily comprehensible and offer a mix of both system and appliance coverage. When you buy a policy from ServicePlus, you will get quick repairs with 24/7 customer support. ServicePlus Home Warranty also has been expanding its coverage to more and more areas across the country.
ServicePlus Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage caps associated with ServicePlus' plans are close to the $1,500 mark for most major systems and appliances, and service fees are an affordable $75.
To get a free quote from ServicePlus Home Warranty, fill out this online form or call 478-210-5091. Read more by visiting our ServicePlus Home Warranty Review.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Miami, First American Home Warranty offers the best home warranty for appliance coverage. When you buy a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 simple plans, making the selection process quick and easy.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps associated with First American's plans are around the $1,500 mark for many of the major systems and appliances, and service fees are a reasonable $85.
To read more, visit our comprehensive review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
Cinch Home Services is the home warranty with the best workmanship guarantee for Miami residents. Cinch has been in the home warranty business for about 43 years. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 home warranty plans that Cinch has include options for appliance and system coverage.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Miami area.
For more information, read our full review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Miami
A home warranty is a service contract that helps homeowners cut back on the high costs of appliance and systems repairs. Home warranties will cover a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty is one thing that can make budgeting and managing your finances easier. Home warranty plans usually have a thirty-day waiting period from the time you purchase to the time you can file your first claim.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty service provider. Most companies have an online portal system to help you do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. At this point, you will also have to pay your service fee. Once the repair technician fixes the problem, they will deal with it at no cost to you. The only time you may have out-of-pocket costs is if the repair or replacement is above the item's coverage cap.
Home warranties help protect both your home systems and appliances. A home warranty can cover repair and replacement-related costs that are a result of normal wear and tear. The appliances usually covered under a home warranty plan are the microwave, refrigerator, dishwasher, washing machine, oven, dryer, and more. System coverage typically includes plumbing, air conditioning, electrical systems, water heaters, heating systems, and more. Add-on coverage options can vary by plan but commonly include things such as a second refrigerator, central vacuum, sprinkler system, septic system, and plumbing stoppages.
An important thing to note is that home warranties only cover normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, lack of maintenance, misuse, and cosmetic damages are not included in the home warranty policy.
Miami's hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, saving you from spending unexpected money out of pocket.
In addition, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your home more attractive to potential home buyers and maybe even make your home sell faster.
There are also some drawbacks to purchasing a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Plus, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty can aid with some of a homeowner's maintenance concerns, but ultimately, it's up to you to determine if investing in one is a good choice for you and your family. Make sure you do your research and read over any home warranty policy that you're considering buying to get a sense of what repairs will and will not be covered under your contract.
We hope you now feel confident that you can choose a home warranty provider in Miami after reading our reviews. When it comes to home warranties in Miami, the best overall is Choice Home Warranty. It offers comprehensive coverage at an affordable premium. However, other options reviewed above are also great choices for Miami residents.
Our pick for the best overall home warranty in Miami is Choice Home Warranty but the perfect company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty is a kind of service contract that covers repairing and replacing your major home system components and appliances.
A home warranty plan helps protect against the normal wear of home systems and appliances. Homeowners insurance protects your entire home in case of something like a natural disaster or fire. With homeowners insurance, you will not be able to file a claim should you need a new dryer or dishwasher, unless the damage is a result of a natural disaster.
A home warranty policy can cost on average anywhere from about $300 to $800 a year in Miami. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.