Best Homeowner Warranty Companies in 2026

American Home Shield is the largest name in this market, and its plans reflect that scale. ShieldSilver covers home systems, ShieldGold adds appliances, and ShieldPlatinum adds extra items and services, including roof-leak cover and video-call help from technicians. Sample quotes put monthly prices from about $36 to $100, with a service fee of $100 or $125 per claim, though your quote will depend on state and home details.

The standout detail is coverage for certain preexisting conditions that other providers exclude, subject to contract terms, plus a $5,000 heating and cooling limit on every tier in published comparisons. The catch is the short workmanship guarantee and the higher cost of the top tier. If your home has ageing systems and you want the broadest cover, American Home Shield is the first quote to get, but compare its top tier against First American before you pay.

Choice Home Warranty keeps the choice simple with two combined plans covering systems and appliances together, rather than a long menu of tiers. Sample quotes put monthly prices from about $60 to $68, with a $100 service fee per claim, which makes budgeting straightforward for a typical single-family home. That simplicity suits buyers who do not want to compare six plans to find the right one.

The limits are the trade-off. Coverage is capped at about $3,000 per item in published comparisons, which may fall short on a full system replacement. Choice is also not sold in Washington, and it agreed an $11.8 million settlement with Arizona in early 2026 over coverage claims, while denying wrongdoing. None of that disqualifies the company, but it does mean you should read the contract and confirm cover in writing before signing.

First American Home Warranty suits homeowners whose main worry is a big bill, not a small repair. Published comparisons report no total cap on coverage, which sets it apart from rivals that cap payouts per term, and its plans are geared toward higher-value items. Sample quotes put monthly prices from about $77 to $130, with a service fee of $100 or $125 per claim.

That higher price is the obvious catch, and availability is narrower than the nationwide providers, with published comparisons noting it is not sold in some states. If you live in a covered state and own expensive systems or appliances, the extra monthly cost can be justified by the payout room. If your home is newer and your systems are modest, a cheaper plan may cover the realistic risks just as well.

Liberty Home Guard is useful simply because it is available everywhere, including states where some rivals do not sell. It offers appliance-only, systems-only and combined plans, so buyers can match cover to the home rather than buying a bundle they do not need. Sample quotes put monthly prices from about $57 to $68, with service fees from $65 to $125 depending on the plan chosen.

The per-item limit of about $2,000 is lower than American Home Shield or First American, so a major replacement may leave a gap you pay yourself. Published reviews also show a mixed satisfaction record. Liberty is a strong option when availability is the deciding factor, but compare its caps against a rival that sells in your state before you commit.

AFC Home Club, also known as AFC Home Warranty, stands out for flexibility. Buyers choose from four tiers, pick a service fee of $75, $100 or $125 per claim, and in many cases can use their own contractor, which matters if you already trust a local technician. The workmanship guarantee lasts for the life of the plan term, longer than the 30 to 90 days many rivals offer.

The limits need attention. Published comparisons report a per-item cap of about $2,000, and preexisting conditions are excluded, unlike American Home Shield's cover for certain cases. AFC is also not sold in California, Hawaii or Washington. If contractor choice and a long guarantee matter more to you than the highest payout, AFC deserves a quote, but check the caps against the cost of replacing your oldest system.

Cinch Home Services keeps its range to three combined plans, which suits buyers who want systems and appliances covered together without choosing between separate bundles. Sample quotes put monthly prices from about $51 to $68, with service fees from $100 to $150 per claim, and published comparisons report a term limit of $10,000. That combination works well for homes where both systems and appliances are ageing together.

The lack of a single-category plan is a limitation if you only need one side covered, since you pay for the bundle either way. Service fees at the top of the range are also higher than the $65 to $100 options some rivals offer. Check availability for your ZIP code first, then compare the total yearly cost, including likely service fees, rather than the monthly price alone.

Select Home Warranty offers appliance-only, systems-only and combined plans, which gives buyers more control than a combined-only provider. Sample quotes put monthly prices around $60 to $64, with service fees from $65 to $200 depending on the option chosen, so the cheapest monthly price is not always the cheapest claim. That range lets a buyer trade a lower monthly payment for a higher fee per visit, or the reverse.

Coverage limits are modest in published comparisons, with about $3,000 for heating and cooling and about $500 for appliances. Those caps may be enough for repairs, but they fall short on full replacements. Select suits homes with newer systems where a repair, not a replacement, is the likely claim, and buyers should choose the service fee carefully based on how often they expect to call.

2-10 Home Warranty is the budget entry in this guide, with sample quotes starting around $27 per month and service fees of $65, $85 or $100 per claim. It offers systems and combined plans, and published comparisons report a $5,000 heating and cooling limit within a $50,000 term limit, which is competitive for the price. For a buyer whose main goal is affordable systems cover, it is hard to beat on starting price alone.

The usual cautions apply. Starting prices reflect sample quotes for a typical home, and your quote may be higher depending on state, home size and plan. Coverage details, waiting periods and exclusions still need a contract read. If 2-10 sells in your state and its limits cover your oldest systems, it is a sensible low-cost starting point, with American Home Shield as the broader, pricier comparison.