Best Home Warranty Companies in Arizona

By: Kathleen McCoy

Few things in Arizona strike as much fear in the soul as a broken air conditioner in August. It can be incredibly challenging during the summer months to find a company that’s willing to fix a broken air conditioner at a budget-friendly cost. However, if you have a comprehensive home warranty from one of the best home warranty companies in Arizona on your side, repairs can be a breeze. 

In addition to sizzling summers that require air conditioning, brisk evenings during winter months require efficient heating systems in many regions of AZ. Home warranty companies today offer several plans that include comprehensive coverage of basic appliances and house-wide systems, or protection plans that cover HVAC, plumbing, electrical systems, and appliances.

If you’re weighing the pros and cons of buying a home warranty in Arizona, consider the cost to repair or replace the major systems or appliances in your home. Home warranties are often thought of as home repair insurance—a service that pays for the repair or replacement of covered appliances. Home warranties can save you from paying large sums out of pocket when something in your home fails.

Keep reading to learn about the best home warranty companies in the state, common home maintenance issues faced by Arizona homeowners, and essential home warranty buying tips. 

Arizona’s best home warranty companies

  • Touts nearly 2 million customers across America
  • Offers 3 plans for Arizona homeowners, including one for appliances, a systems plan, and a combo plan

  • Has over 30 years of experience taking care of appliances and systems
  • Offers unlimited service calls, with customer service available 24/7, 365 days a year
  • Guarantees that if one of your covered appliances or household systems can’t be repaired, they’ll replace it

  • Accredited with the Better Business Bureau,, and Consumer Affairs
  • Unlike many home warranty companies in Arizona, AFC Home Club has in-house service teams for service requests
  • If you have a service technician or contractor you’ve used in the past, you have the freedom to choose your technician
  • Offers the longest work guarantee in the home warranty industry. In fact, as long as you’re an active, paying member, parts and labor are guaranteed for life.

  • Claims that one appliance repair or system repair can cost more than one year of coverage with their home warranty programs
  • Has a 90-day parts guarantee
  • Provides after hours service

  • Offers comprehensive and flexible programs to meet the needs of homeowners of small homes, large homes, and every size in between
  • Uses pre-screened local technicians that are experts in their field of repairing appliances and systems in the home
  • Claims can be filed 24/7, and if a technician can’t fix your appliance or system, CHW will replace it
  • Coverage begins 30 days after signing

Arizona is bordered on the west by California, on the east by New Mexico, and on the north by Nevada, Utah, and Colorado. The Four Corners area is unique as it’s the only place in the U.S. where you can stand in four states (Arizona, New Mexico, Utah, and Colorado) at the same time. The official state flower of Arizona is the white blossom of America’s largest cactus, the saguaro. The official state bird, the cactus wren, loves to build nests in the giant saguaros. The official state tree of Arizona is the Palo verde that blooms brilliant gold blossoms in the spring.

The state is home to Grand Canyon National Park, Sedona Oak Creek Canyon, the Petrified Forest, Havasu Canyon, Havasupai Falls, Lake Powell, the Meteor Crater, the Painted Desert, Monument Valley, Saguaro National Park, and many Native American reservations. For tourists, a trip to Arizona isn’t complete without visiting ghost towns like Tombstone, Gunsight, Ruby, and Gillette to get a real taste of the Southwest.

Real estate market trends in Arizona are localized. In Phoenix, for example, home values have appreciated back to their pre-recession values. Real estate professionals forecast increased appreciation for the Phoenix real estate market through 2021 with median home prices expected to top $250,000. In Tucson, the median home value is just over $185,000, an increase of 6.4% in the last 12 months. Tucson has been slower to recover from the 2007 recession than Phoenix, and there continues to be hundreds of homes in a state of default, pre-foreclosure, auction, or bank-owned status.

Purchasing a bank-owned home has its advantages in Arizona. Often, you can get a great deal if you have the patience and fortitude to make it through the process. However, distressed properties may not be maintained or cared for properly. If you’re buying a home that’s in some stage of a foreclosure, it may be wise to purchase a home warranty to protect yourself from system or appliance failures. In some cases, the seller of a distressed property may pay for an annual home warranty for new home buyers as part of the sales contract. 

Top home maintenance problems in Arizona

Arizona’s climate, water, air quality, and landscape all play a role in the maintenance and care of home appliances and systems. Let’s take a look at some of the top problems caused by Arizona’s unique climate and atmosphere. 


Sandstorms, or haboobs, wreak havoc on exterior paint, air filtration systems, HVAC systems, and ductwork in the home. Dust and dirt build-up in ductwork and in HVAC units can cause inefficient operation, poor cleaning, and poor air quality in the home.  Cleaning air ducts is imperative as a clean home reduces dust and pests in the home. Clean or replace your HVAC air filters every month and schedule an annual cleaning and inspection of your ductwork.


Extreme heat is common in Phoenix, Scottsdale, Tucson, Lake Havasu City, and other cities in Arizona. Heat takes a toll on the human body and pets, as well as on important household systems, such as your HVAC unit, whole-house humidifiers, and attic fans. On a hot summer day, HVAC systems can overheat, especially if the condenser coil is covered in dust or dirt, the fins of the unit are bent or clogged, or the unit is covered by shrubs, objects, or debris.

Intense heat also takes a toll on plumbing systems in the home. For example, extreme temperatures in Arizona can cause pipes to expand and sometimes even burst leaving a path of water damage and the potential for mold infestations in the walls. During the summer months, as the soil around and under the home settles due to a lack of moisture, pipes can also settle causing leaks and cracks. If you notice a spike in water usage, call a plumber to make sure your pipes are intact.

Hard water

According to the Arizona Water Quality Association, Arizona’s water supply is considered “hard.” Hard water leaves calcium deposits throughout plumbing systems and can significantly decrease the lifespan of hot water heaters. Calcium deposits accumulate in pipes, causing narrow passageways for water and waste to leave your home. The narrowed pipes decrease water pressure and significantly increase the likelihood of developing potentially costly clogs.

In addition to plumbing problems, hard water decreases the lifespan of certain appliances, including your clothes washer, dishwasher, refrigerator, and toilets. According to the Water Quality Association, hard water can cut the efficiency of water heaters by up to 48%. If you live in an area of Arizona known for hard water, you may want to consider purchasing a comprehensive home warranty from one of the best home warranty companies in Arizona.

Lightning strikes

During monsoon season, lightning strikes are a common occurrence in Arizona, which can cause electrical surges that can damage sensitive appliances and your electrical system. If your home takes a direct lighting strike, or a home in your neighborhood does, your appliances and systems may have to be repaired or even replaced.

Dry climate

Arizona’s arid climate takes a toll on seals, hardwood floors, wood framing, and the furniture in your home. When the air inside your home is dry, moisture is pulled from inside your house. That’s why during dry periods, your doors may stick, your hardwood floors may creak, and your walls may settle. In addition to the structure of your home, soft seals on your HVAC, around your windows and doors, seals on your washing machine and dryer, dishwasher, refrigerator, and other appliances may crack and fail.

When these seals fail, the results can be catastrophic. For example, a dry seal on the hose that delivers water to your refrigerator can fail and damage your floors, walls, and other appliances. If you choose one of the best home warranty companies in Arizona, the repair and the damages caused by the failure of the seal may be covered. Of course, we encourage you to carefully read and understand all exclusions and conditions of any home warranty contract you sign to make sure the items you want protection for are actually covered.

Who can buy a home warranty in Arizona?

Residential property owners in Arizona, homeowners, and investors are eligible to purchase a home warranty in the state of Arizona. Additionally, landlords that rent their property may benefit from the streamlined evaluation, repairs, and comprehensive coverage that a home warranty offers.

What is covered under an Arizona home warranty?

Home warranty coverage depends on the home warranty company and coverage plan you choose. If you have unique systems, like a septic system or well, you should carefully vet each company to determine if that specific coverage is offered for those items. Here are some highlights from the best home warranty companies in Arizona. 

American Home Shield

American Home Shield is the oldest company in the industry and offers a variety of plans to fit every homeowner’s needs. In addition to appliance and system plans, American Home Shield offers a “Build Your Own Plan” so you can make sure specialized systems in the home are covered.

Here’s a breakdown of what their current plans offer:

Appliance Plan Systems Plan Optional Add-ons
Refrigerator Heating with ductwork Pool/spa
Dishwasher Air conditioning system with ductwork Well pump
Clothes washer Electrical system Septic pump
Clothes dryer Doorbell Guest unit (<750 square feet)
Range/oven/cooktop Smoke detectors
Built-in microwave Ceiling plans
Freestanding ice maker Plumbing and stoppages
Garage door opener Water heater
Trash compactor Garbage disposal
Built-in food center Water dispenser
Central vacuum


First American Home Warranty

If you’re purchasing an older home, or your home hasn’t been maintained as well as it could have been over the years, First American Home Warranty may be the right choice for you. Unlike most home warranty companies in Arizona, First American Home Warranty, also known as First American Home Buyers Protection,  offers a “First Class Upgrade” that covers major appliances and systems that were improperly installed or not maintained properly.

Additionally, if your home includes a well, pool, spa, additional refrigerators, or other auxiliary equipment, you can purchase additional coverage under a First American Home Warranty plan.

Here are the three plans currently offered:

Basic Plan Premier Plan Optional Add-ons
Kitchen refrigerator Everything in the Basic Plan Swimming pool/spa—$15/month
Clothes washer Heating system Central air conditioning—$9/month
Clothes dryer Plumbing system Additional refrigerators—$4/month
Dishwasher Plumbing blockages Well pump—$7/month
Range/oven Electrical system First-class upgrade—$9/month
Built-in microwave Ductwork
Garbage disposal Water heater
Trash compactor Toilet tanks and bowls
Ceiling fans Sump pump
Attic and exhaust fans Whirlpool bath motor and pump
Garage door openers
Central vacuum system

America’s 1st Choice Home Club

One of the best features of America’s 1st Choice Home Club is that they allow customers to select contractors for repair and replacement. Living in Arizona, it’s vital that you read the limitations on all home warranty plans. Unlike some plans, America’s 1st Choice Home Club does not cap HVAC coverage.

This home warranty company offers four plans, allowing you to customize to your home’s needs.

Systems Plan Silver Plan Gold Plan Platinum Plan
Water heater Clothes dryer Clothes dryer Clothes dryer
Air conditioning Clothes washer Clothes washer Clothes washer
Heating systems Kitchen refrigerator Kitchen refrigerator Kitchen refrigerator
Electrical systems Oven/range/cooktop Oven/range/cooktop Oven/range/cooktop
Plumbing system Dishwasher Dishwasher Dishwasher
Garbage disposal Garbage disposal Garbage disposal
Garage door opener Garage door opener Garage door opener
Water heater Water heater
Air conditioning Air conditioning
Heating systems Heating systems
Electrical systems Electrical systems
Plumbing system Plumbing system
Plumbing stoppages
Ice maker
Built-in microwave

Total Home Protection

If you have a septic system, well pump, water softeners, two air conditioning units, or a pool or spa, Total Home Protection offers add-on coverage to protect you against failures of these systems through their add-on protection.

Here are Total Home Protection’s two plans, plus all of the options you can purchase additional protection for.

Gold Plan Platinum Plan Optional Add-ons
Plumbing system Plumbing system Pool/Spa
Plumbing stoppages Plumbing stoppages Additional spa
Electrical system Electrical system Limited roof leak
Water heater Water heater Central vacuum
Whirlpool bathtub Whirlpool bathtub Well pump
Oven/range Oven/range Septic system
Sump pump Sump pump Second refrigerator
Built-in microwave Built-in microwave Standalone freezer
Dishwasher Dishwasher Water softener
Garbage disposal Garbage disposal Refrigerator ice maker
Trash compactor Trash compactor Free-standing ice maker
Ductwork Ductwork Additional HVAC systems
Garage door opener Garage door opener Additional water heater
Ceiling and exhaust fans Ceiling and exhaust fans Additional garage door openers
Air conditioning (two units)
Heating system (two units)
Clothes washer
Clothes Dryer

Choice Home Warranty

One of the benefits of choosing Choice Home Warranty for a home in Arizona is the limited number of exclusions in the policy. For example, if you’re one of the millions of homeowners in Arizona with an older home, Choice Home Warranty doesn’t deny coverage based on the age of the home and coverage begins 30 days after signing the contract.

Basic Plan Total Plan Optional Coverage
Heating system Heating system Pool/Spa
Electrical system Electrical system Limited roof leak
Plumbing system Plumbing system Additional spa
Plumbing stoppages Plumbing stoppages Standalone freezer
Water heater Water heater Central vacuum
Whirlpool bathtub Whirlpool bathtub Second refrigerator
Oven/Range Oven/Range Well pump
Dishwasher Dishwasher Septic system
Built-in microwave Built-in microwave Sump pump
Garbage disposal Garbage disposal Septic tank pump
Ductwork Ductwork
Garage door opener Garage door opener
Ceiling and exhaust fans Ceiling and exhaust fans
Air conditioning system
Clothes washer
Clothes dryer

How much does a home warranty cost in Arizona?

The cost of a home warranty plan in Arizona depends on several factors, including the size of the home, the age of the home, the type of plan chosen, and any optional coverage you select. The majority of plans offer several tiers of pricing. Here are price ranges for the best home warranty companies in Arizona.

Plan Pricing

  • Basic/Appliance plans: $25–$45 per month
  • System plans: $25–$45 per month
  • Total plans: $40–$60 per month
  • Add-ons: $6–$15 per month, per option

How does a home warranty work?

After signing a home warranty contract, most companies require a 30-day waiting period before coverage begins. Once your home is covered, when a covered appliance or system needs repair, you can contact your home warranty company and file a claim. Home warranty companies typically charge a service fee each time you request service. This fee can range between $75 and $150 per visit. 

Today, most companies offer online submission of claims or offer 24/7 phone support. Once you file your claim, the home warranty company will contact a service technician in your area or allow you to choose a technician. Normally, your technician will arrive within a couple of days of your initial claim, diagnose the situation, and start repairs. If the household system or appliance needs to be replaced, the technician will order a replacement.

Is a home warranty necessary?

Homes naturally age, and general wear and tear on household systems need regular maintenance and care. Owning a home in Arizona can be expensive, and so is maintaining it. Major systems in your house like the HVAC system, septic system, pool, spa, and high-end appliances can be expensive to repair or replace. First-time home buyers, families on a budget, and seniors without maintenance experience may find comfort in knowing unexpected repair and replacement costs are covered through a home protection plan. 

How to buy a home warranty in Arizona

When you’re ready to buy a home warranty in Arizona, here are seven tips to keep in mind:

  1. Make an inventory of the appliances in your home.
  2. Take note of the type of heating and air conditioning systems you own and the number of units in your house. Some companies may ask how old your HVAC systems are, or the last time the systems were inspected.
  3. Create a list of auxiliary items, including spas, pools, septic systems, well pumps, central vacuum, and other systems you would like covered. 
  4. Review the plans and options of the best home warranty companies in Arizona. 
  5. Carefully review each contract and make note of exclusions and limitations—they can vary dramatically from one company to another.
  6. Speak to several companies and make sure all promises made by representatives are received in writing before signing a contract.
  7. Choose the best home warranty for your budget and needs and rest easy knowing important systems and appliances in your home are now protected. 

Arizona home warranty reviews

Below are a few Arizona home warranty reviews from current customers:

First American Home Warranty

“I’ve had the First American Premier Plan for years. Their online claim portal is quick and easy. They have a repair company call the same day or the next day and each company has got the job done successfully. I’ve had many home repairs fixed via First American, so I feel it has been worth the cost.” — Jay in Scottsdale, AZ 

America’s 1st Choice Home Club

“I am new to home warranty plans, so I did a lot of research and cost comparisons and I made my decision to go with America’s First Choice Home Club. One of the main reasons for making my final decision was the representative I spoke with. I can’t tell you how many questions I posed to her and she answered everyone thoroughly.” — Linda in Phoenix, AZ

Total Home Protection

“I had a great experience with this company. Just had my A/C fixed, the technician was prompt and professional. Overall very satisfied. Total Home Protection also gave me a great rate on my premium, much better than my previous company.” — George D.

Choice Home Warranty

“I am happy with Choice Home Warranty. Quick service and good service. If you need peace of mind, then only buy Choice Home Warranty.” — Nisha P.

Frequently asked questions

What is the best home warranty company in Arizona?

This is a tricky question to answer as the best home warranty company for one person isn’t necessarily the best home warranty company for another. To determine the best home warranty company in Arizona for your home, you must read the contract, understand the exclusions, and find a company that offers coverage for your specific needs. For example, if your home has a well, septic system, swimming pool, or multiple air conditioners, talk to multiple companies to find the one that provides coverage for your systems.

Are there any home warranty regulations or restrictions in Arizona?

All home warranty companies are regulated by the Arizona Department of Insurance and are accredited to do business within the state.

Is an Arizona home warranty worth it?

Arizona’s climate, atmosphere, and the average age of the family home can cause appliances and systems to fail. If you’re a first-time homebuyer, living on a budget, or retired, an Arizona home warranty purchased from a reliable company can save you precious time and money.

What costs are associated with a home warranty?

The best home warranty companies in Arizona bill monthly or annually. In addition to the coverage plan, most home warranty companies require a modest service fee for each call, typically around $75 in Arizona.

Our conclusion

In Arizona, a home warranty can save you money when a system or appliance fails. Think of a home warranty as insurance for your electrical, plumbing, and HVAC systems as well as for your household appliances. Choose the company and plan that best fits your needs, and when an appliance or system fails, submit a claim, pay the service fee, and leave the rest to the home warranty company.

Though we believe all five home warranty companies we recommended are great, American Home Shield is our top pick for Arizona homeowners.

  • Best for appliance coverage
  • Generous coverage caps
  • Add-ons available

Still not sure which Arizona home warranty is right for you?

Compare other top home warranty providers in the industry.

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