Best Home Warranty Companies in Florida

By: Debbie Wolfe

Florida is a popular tourist destination and has one of the fastest growing populations in the U.S. According to the Census Bureau, Florida is the seventh fastest-growing state. With so many potential homeowners moving to the Sunshine State, home maintenance is a must.

If you’re looking for a home warranty in Florida, keep reading to learn about the best home warranty companies in the state, major home maintenance issues faced by Florida homeowners, and how to find the best home warranty for you and your home.

Florida’s best home warranty companies

  • 24/7 service calls
  • Diverse selection of plans
  • Professional contractors
  • Quick replacement payments

  • Better Business Bureau excellent rating
  • Low optional coverage costs
  • Covers improperly installed items

  • Few exclusions
  • Emergency service
  • Provides service for failed repairs

  • Septic system coverage
  • 90-day parts guarantee
  • Clear terms and conditions

  • Quic coverage
  • 10-day waiting period
  • Excellent customer service

Florida is located in the southeastern part of the U.S—it’s the southernmost contiguous state in the country—and is bordered by Georgia and Alabama. The peninsula is surrounded by the Atlantic Ocean on one side and the Gulf of Mexico on the other. Here are some additional facts about the Sunshine State:

  • It’s the third most populous state in the U.S.
  • The capital is Tallahassee.
  • The Florida Keys, a popular tourist attraction in Florida, is a group of about 1,700 tiny islands.
  • Florida is home to Walt Disney World Resort, the planet’s most visited and biggest recreational resort. 
  • Central Florida is known as the lightning capital of the U.S.
  • Florida is the largest producer of citrus fruits in the U.S.
  • The state bird is the Northern mockingbird.
  • The state tree is the Sabal Palm.

Important home maintenance tasks to keep up with in Florida

The biggest issue homeowners face in Florida is the weather. Given Florida’s location on the southeast coast, heat and humidity are the biggest factors that Floridians must deal with when it comes to home maintenance. Not to mention, hurricane season is no joke for Florida residents—40% of all U.S. hurricanes will hit Florida.

Here’s a deeper dive into the most important home maintenance tasks Florida homeowners should perform to prevent the climate and weather from doing extensive damage to their homes:

Important seasonal tasks Floridians should keep up with:

  • Change air filtersChange HVAC filters at least once every three months to ensure your HVAC system is working properly. 
  • Check your water softener—Check the salt level in your water softener and make sure no error codes are displayed.
  • Give your house a deep clean—Every six months, clean appliances, windows, lighting, and every crevice and corner of your home to keep it in the best shape possible. 
  • Inspect your water heater—By doing this task twice a year, you can prevent corrosion and leaks.
  • Check smoke/carbon dioxide detectorsChange batteries on your detectors during the spring and fall.
  • Vacuum refrigerator coils—This quick task keeps your refrigerator running efficiently.
  • Schedule an HVAC inspection—This is extremely important for your system to run efficiently and can prolong the life expectancy of the unit.  
  • Check gutters and drainage—June makes the start of the rainy season in Florida. Keep gutters clear to prevent water damage to your home.
  • Prioritize lawn care—Seed or sod bare spots on the lawn to prevent standing water in your yard and water from seeping into your basement.
  • Inspect the foundation—Look for cracks and seal them with caulk or silicone before the rainy season.
  • Examine roof shinglesInspect roofing to make sure there are no shingles missing and replace any broken ones before the rainy season.
  • Check windows and screens—Clean window wells and inspect screens for damage caused by strong winds, rain, or hail.

Who needs a home warranty in Florida?

About 64% of Florida residents are homeowners. Having a home warranty in Florida is a good way for homeowners to save money on major household system and appliance repairs. Many home warranties cover normal wear and tear on air conditioners, electrical and heating systems, water heaters, plumbing stoppages, and a number of kitchen appliances.

Note: You don’t have to own a single-family home to take advantage of a home warranty offer. Residents of any type of property—townhomes, condos, and even mobile homes—can have peace of mind by insuring their dwelling with a home warranty. In particular, home warranties are great for:

  • First-time homebuyers—A home warranty will help put new homeowners at ease when purchasing their first home. If you have a tight budget, First American Home Warranty offers an economical combo plan that includes all major home systems and a variety of appliances.
  • Seasoned homeowners—Warranties are perfect for homes with older appliances. First American Home Warranty’s Premier plan covers air conditioning, heating, plumbing, and electrical systems, as well as kitchen appliances.
  • Real estate agents and home sellers—Home warranties are an excellent incentive to home buyers and can be one of the factors that home sells faster.

What is covered under a Florida home warranty?

Home warranty coverage varies by state and depends on the company and coverage level you choose. In general, home warranties will cover the following systems and appliances:

  • Air conditioning
  • Refrigerators
  • Washers
  • Dryers
  • Dishwashers
  • Doorbells
  • Furnace/heating
  • Water heater
  • Ductwork
  • Garbage disposals
  • Indoor plumbing stoppages
  • Ceiling fans
  • Electrical systems
  • Range and oven

Here are some items that aren’t covered:

  • Outdoor sprinklers
  • Faucet repairs
  • Ice makers
  • Garage door openers
  • Spa or pools
  • Septic system
  • Well pump

Home warranty plans cover regular wear and tear or defects on home systems and appliances. For example, if you have an old air conditioner that starts to break down or requires certain parts changed, your home warranty should take care of the repairs.

How much does a Florida home warranty cost?

The average cost of a Florida home warranty is around $320 per year, which is inline with the national average.  Extended coverage is an additional $100 to $500 per year—depending on the number and types of items added to your plan. Deductibles average between $75 to $100. 

How does a home warranty work?

A home warranty is a service contract that provides affordable repair and replacement services on a number of major home appliances. It is not a replacement for home insurance. Homeowners insurance policies cover natural disasters, fires, property crimes, water damage, and theft.

Most home warranty plans have a basic component that covers appliances and systems with standard coverage. Although coverage varies by company, most home warranty plans operate in a similar manner. Here’s what the process looks like:

  1. A home system or appliance breaks or stops working.
  2. The homeowner calls the home warranty company.
  3. The home warranty company contacts an approved repair provider.
  4. The repair provider calls the homeowner to make an appointment.
  5. The provider performs the repair or determines if a new appliance is needed.
  6. The home warranty company pays for the repair or replacement and the homeowner pays a service fee to the repair technician.

Why is a home warranty necessary?

Home warranties are good for homeowners who aren’t handy or don’t want deal with finding a contractor. They are also great for new homeowners who lack an emergency fund for major repairs. Additionally, homes with warranties typically sell 10% faster than those without. Real estate agents will tell you that home warranties will make your property more attractive to prospective home buyers. Even if you aren’t selling a home, a home warranty protects against expensive, unforeseen repair bills and provides peace of mind.

What to consider before buying a home warranty in Florida

There are many home warranty options to choose from in Florida. Here are some factors to take into consideration before you purchase a home warranty:

  • Age of your appliances—New appliances may not need an additional warranty because they’re usually covered under a manufacturer’s warranty for about 12 months. However, once the manufacturer’s warranty expires, purchasing new appliance coverage makes sense. 
  • Climate and location—Most of Florida is warm and humid and is at risk for getting hit by hurricanes. When choosing a  home warranty program in Florida, consider the climate of the region—this will affect the normal wear and tear of your home systems and appliances.
  • Laws and permits—Regulations that affect home warranty will vary by state. All the home warranty companies in Florida are regulated by the Office of Insurance Regulations (OIR). There may be specific regulations and permits required by your city or county, so do your research on any local home warranty laws before committing to a coverage plan.

Florida home warranty reviews

One of the best ways to choose a home warranty is by reading about consumer experiences. Here are some recent reviews from Florida home warranty owners:

Sandra Bronick on Choice Home Warranty:

“Everyone I spoke to was knowledgeable and courteous. They listened to my questions and concerns and answered them to my satisfaction. In the end, they were able to offer me a warranty that met my needs and budget! I wasn’t happy with the repair people my other warranty service sent out, so we’ll see how well yours do. Thanks!”

Arshad Chaudhry on First American Home Warranty:

“Prompt and professional courteous service provided by the contractor.”

Sjoelle Tutson on Total Home Protection:

“I am 100% pleased with my service from Total. I called customer service late at night to put in a service request because my garbage disposal was leaking. Someone was out the very next morning and provided very efficient and reliable work. I haven’t had any problems with my disposal since. I think Total Home Protection is the perfect company to go with for anyone who is looking to protect their home.”

Frequently asked questions

Are home warranties transferable?

A home warranty can be transferred to a new owner from the seller during the time of closing.

Will home warranties cover roofs?

Roof repairs are not typically included in standard packages, but limited repairs for roof leaks are usually an additional coverage choice.

How long does it take for a home warranty company to provide service once it’s requested?

It typically takes 48 hours for most home warranty companies to provide service following the acceptance of your claim. In case of an emergency, the service time may be much quicker.

Which Florida home warranty company is the best?

If you’re ready to purchase a home warranty in Florida, these are the top three home warranty companies you should consider:

1. First American Home Warranty

This company is a veteran in the home warranty industry and was nominated for multiple home warranty insurance awards. They offer two main plans: basic and premier. The basic plan covers major appliances while the premier plan adds in coverage for some home systems such as plumbing, electrical, and heating. Not to mention, First American provides add-on coverage for specific items, like your pool or spa equipment, well pumps, and central air conditioning.

MORE: Compare First American Home Warranty plans

2. Select Home Warranty

Select offers three levels of coverage and provides optional add-ons to allow homeowners to fully customize their warranties. The company covers all makes and models of appliances and systems. With Select Home Warranty, you’re not required to get a home inspection prior to receiving coverage. If you’re still on the fence with Select, you can find a sample contract on their website that clearly states coverage, limitations, and terms and conditions.

MORE: Compare Select Home Warranty plans

3. Choice Home Warranty

This home warranty providers offers some of the most comprehensive protection in the industry, excellent service technicians, and fast and simple solutions for its customers. CHW offers two coverage packages: the Basic Plan and the Total Plan. The Basic Plan includes home appliances, such as a water heater, a garage door opener, and a built-in dishwasher, while the Total Plan covers all of the appliances in the Basic Plan, as well as other major appliances and systems, such as air conditioning and a refrigerator.

MORE: Compare Choice Home Warranty plans

Our conclusion

Along with home insurance, adding a home warranty is the best way to protect your entire home and give you peace of mind. Consider the age of the house, which home systems and appliances you want covered, and Florida’s warm and humid climate before you purchase a home warranty.

Florida has several reputable companies to choose from such as Select Home Warranty, Choice Home Warranty, and First American Home Warranty. With their flexibility in coverage, excellent customer service, and professional network service providers, you can find the best home warranty in Florida for your needs.

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

Compare other top home warranty providers in the industry.

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