- 24/7 service calls
- Diverse selection of plans
- Professional contractors
- Quick replacement payments
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 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:
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:
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:
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:
Here are some items that aren’t covered:
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.
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.
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:
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.
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:
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.”
A home warranty can be transferred to a new owner from the seller during the time of closing.
Roof repairs are not typically included in standard packages, but limited repairs for roof leaks are usually an additional coverage choice.
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.
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.
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.
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.
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.
Want to learn more about one of the newest home warranty companies? Here's our full review of Total Home Protection.
The Home Service Club reviews reveal it's the most responsive home warranty company. Learn about its fast coverage, customer service, and costs with our guide.
Debbie is a content creator based in the metro Atlanta area. She covers a variety of topics including DIY, how-to’s, home improvement, parenting, travel, crafting, and shopping. She's a regular contributor for both HGTV and DIYNetwork, Home Depot, and Walmart.com.