A home warranty in Miami can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear.
With hot summers, keeping your home appliances and systems working, particularly HVAC, are very important for homeowners in the Miami area of Florida.
Finding the best home warranty on the market can be quite overwhelming as there are dozens of companies to decide between. That's why the House Method team did the research and made a list of the best home warranty companies in Miami for you.
The first step in protecting your house with a home warranty is determining which company's plan is right for you. Figure out which items in your home you'd like coverage for and compare the policies. Before deciding which home warranty to purchase, here are a few other factors to keep in mind:
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
Choice Home Warranty is the best overall home warranty in Miami. If you're looking for very high coverage caps and simple-to-understand service contracts, you'll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for you to choose from.
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. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select 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 a reasonable $60.
To read more, visit our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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. AHS has been in business for over 25 years, making it a highly regarded company in the industry. The 3 home warranty plans that AHS offers include options for appliance and system 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 offers 3 plans for Miami homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with AHS's plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
Read more by visiting our review of American Home Shield. To get 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 offers the best home warranty with the quickest service for Miami residents. HSC has been on the market for around 14 years, making it a well-respected company in the industry. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
Read our detailed review of The Home Service Club to learn more. To get a free quote from The Home Service Club, fill out this online form or call 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
In Miami, Liberty Home Guard is the most trustworthy home warranty. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage. 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.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000 at the maximum.
Read our Liberty Home Guard Review to learn more. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
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
First American Home Warranty offers the best home warranty for appliance coverage in Miami. First American has 2 plans for you to choose from. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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 Home Warranty offers 2 plans for Miami homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with First American's plans are close to the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
For more information, read our First American Home Warranty full review. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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 in Miami. The 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage. 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.
Cinch Home Services offers 3 plans for Miami homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
Read more by visiting our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 protection plan that covers home systems and appliances. When your HVAC breaks down and the repair is several hundred dollars, a home warranty will make sure that your only cost is a predetermined service fee. Home warranty coverage often starts without an inspection and generally goes into place about thirty days after purchasing the policy.
For Miami homeowners, when an issue arises with a covered appliance or system, it is very simple to file a claim. Most home warranty providers have an online portal where you can file a claim. At this point, you will pay the service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranties also have a coverage cap, which is the maximum amount per year or appliance that the home warranty plan will cover for repairs and replacements.
A home warranty in Miami usually covers the main systems and appliances in the house. The appliances covered are a stove, microwave, cooktop, dishwasher, refrigerator, clothes washer, clothes dryer, and more. The systems included are the air conditioner, heating system, plumbing, electrical, water heater, and more. You can also optionally opt to pay a bit extra for add-on coverage for items like swimming pools, septic systems, roof warranty, and spas.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things like cosmetic damages, misuse, lack of maintenance, and pre-existing conditions are excluded from the home warranty policy.
Since temperatures in Miami can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Purchasing a home warranty can help homeowners save money if one of these systems or appliances stops working all of a sudden.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a contractor to fix your appliance or system, home warranty providers do the hard work for you and just send a trusted professional to your door whenever you need them.
One disadvantage of signing up for a home warranty is that there are usually exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it's important to read over the contracts you're considering thoroughly to understand what is included and what isn't. Another thing to consider is that some providers don't cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty provider for clarification about it if you need more information or if this is a problem for you.
Owning a home is a big responsibility that can be expensive, but worthwhile. A home warranty is one thing that can help with your home maintenance budget, but its worth for you is something you'll have to consider before purchasing a policy.
Hopefully, you now feel confident that you can choose a home warranty in Miami after reading our guide. Choice Home Warranty is the best overall home warranty provider in Miami. It offers great coverage at an affordable cost. However, other providers mentioned above are also great choices for Miami residents.
The best home warranty company in Miami is Choice Home Warranty. Choice Home Warranty has a large network of professional contractors and a great reputation in the Miami area.
Home warranties cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different kind of plan that protects your entire home from natural disasters and fires. It doesn't cover typical appliance or system breakage.
A home warranty can help home sellers, homebuyers, investors, real estate agents, and homeowners. It can offer peace of mind and savings to anyone involved in homeownership.
Usually coverage for a home warranty policy begins 30 days after payment. However, a few providers may let you file a claim before this, so check with customer service to find the exact waiting period for your case.
A home warranty policy can cost on average anywhere from around $300 to $800 a year in Miami. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. In addition, it's usually 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, opting for the annual plan over monthly payments saves you $80. The key is to compare plans to determine what you're really getting for the price.
