MATIASGUARRO

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1

Select Home Warranty

Plans Available

3

Response Time

Great

Number of States

46 + District of Columbia

1

Select Home Warranty

888-586-0517

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On Select Home Warranty’s Website

2

Choice Home Warranty

Plans Available

2

Response Time

Excellent

Number of States

49 + District of Columbia

2

Choice Home Warranty

877-804-0810

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On Choice Home Warranty’s Website

3

American Home Shield

Plans Available

3

Response Time

Excellent

Number of States

48 + District of Columbia

3

American Home Shield

888-616-7151

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On American Home Shield’s Website

The 5 Cheapest Home Warranty Companies

• 2-10 Home Buyers Warranty: Best Overall
• Home Warranty of America (HWA): Best Eco-Friendly Add-Ons
• First Premier Home Warranty: Best Technician Flexibility
• Complete Protection: Best For No Service Fees
• Select Home Warranty: Best Plan Tiers

Compare Home Warranty Companies and Costs

2-10 Home Buyers Warranty

4.7

Learn More

Read Forbes’ Review

Best For

Best Overall

Monthly Cost

$32+

Home Warranty of America (HWA)

4.6

Get A Free Quote

On HWA’s Website

Best For

Best Eco-Friendly Add-ons

Monthly Cost

$46.08+

First Premier Home Warranty

4.5

Get A Free Quote

On First Premier Home Warranty’s Website

Best For

Best Technician Flexibility

Monthly Cost

$33.25+

Complete Protection

4.4

Learn More

Read Forbes’ Review

Best For

Best For Service Fees

Monthly Cost

$49+

Select Home Warranty

4.4

Get A Free Quote

On Select Home Warranty’s Website

Best For

Best Plan Tiers

Monthly Cost

$31.91+

COMPANY	FORBES HOME RATING	BEST FOR	MONTHLY COST	LEARN MORE
2-10 Home Buyers Warranty	4.7	Best Overall	$32+	Learn More Read Forbes’ Review
Home Warranty of America (HWA)	4.6	Best Eco-Friendly Add-ons	$46.08+	Get A Free Quote On HWA’s Website
First Premier Home Warranty	4.5	Best Technician Flexibility	$33.25+	Get A Free Quote On First Premier Home Warranty’s Website
Complete Protection	4.4	Best For Service Fees	$49+	Learn More Read Forbes’ Review
Select Home Warranty	4.4	Best Plan Tiers	$31.91+	Get A Free Quote On Select Home Warranty’s Website

See More See Less

Cheapest Home Warranty Companies in Detail

2-10 Home Buyers Warranty

2-10 Home Buyers Warranty

4.7

All ratings are determined solely by our editorial team.

Learn More

Read Forbes’ Review

2-10 Home Buyers Warranty

4.7

All ratings are determined solely by our editorial team.

Monthly Fees

$27.00 – $72.00+

Plan Options

3

Service Fees

$65 – $100

View Details

Why We Picked It

2-10 Home Buyers Warranty has been in the game for 45 years, which gives it some serious staying power. It’s available in 48 states and offers three core plans that can be layered with more than 15 add-on options—things like plumbing leaks, pool systems and septic backups. The company’s also tied to professional organizations like the National Home Builders Association, which speaks to its credibility.

Learn more: 2-10 Home Buyers Warranty review

Why We Picked It

We like how simple yet solid the company’s base plans are. With three tiers and well-matched pricing, homeowners can choose just what they need—no frills, no fluff. It’s a reliable starting point for anyone new to home warranties.

Why We Like It

There’s comfort in a company that’s been around this long. Plus, we like that the plans don’t feel overly complicated. You can stick with the basics or build up with targeted add-ons, depending on what your home actually needs, which can help save you money without sacrificing value.

What We Don’t Like

It’s tough to pin down 2-10’s service fees without digging. And with only three base plans, you might find yourself boxed in if you’re looking for more flexible coverage.

Who It’s Best For

Homeowners who want straightforward protection from a company that’s stood the test of time and aren’t looking to over-engineer their coverage.

Pros

• 45 years in the business
• Covers 48 states
• Customizable add-ons available

Cons

• Not upfront about service fees
• Only three base plans
• Can get pricey if you stack on extras

Home Warranty of America (HWA)

Home Warranty of America (HWA)

4.6

All ratings are determined solely by our editorial team.

Get A Free Quote

On HWA’s Website

Home Warranty of America (HWA)

4.6

All ratings are determined solely by our editorial team.

Monthly Fees

$46.08 – $59.92+

Plan Options

2

Service Fees

$75

View Details

Why We Picked It

HWA covers the full U.S. map and has been doing this since 1996. Its two plan types (Standard and Select Plus) start at around $46 per month and include the usual suspects like heating, electrical and ductwork. Want to add a washer, dryer or AC? Go with Select Plus. The big highlight: a GreenPlus option that allows you to upgrade select home items to Energy Star-qualified appliances when replacement is needed for just under $6 per month.

Learn more: Home Warranty of America review

Why We Picked It

The GreenPlus add-on really stands out here. Though it’s an extra expense upfront, upgrading your appliance to something more energy-efficient can help save you money in the long run.

Why We Like It

You get plenty of coverage, even with the base plan. And if you’re the type who has already upgraded or plans to upgrade to eco-friendly appliances, this one’s a no-brainer.

What We Don’t Like

We’d like to see AC included in every plan. Also, not much info is given upfront about how the company’s add-ons stack up in cost.

Who It’s Best For

Those who want to prioritize sustainable options while still getting the basics covered.

Pros

• GreenPlus energy-efficient option
• Available in all 50 states
• Adjustable service fees

Cons

• No AC in base plan
• Add-on pricing isn’t fully transparent
• Green appliance feature is an opt-in, not standard

First Premier Home Warranty

First Premier Home Warranty

4.5

All ratings are determined solely by our editorial team.

Get A Free Quote

On First Premier Home Warranty’s Website

First Premier Home Warranty

4.5

All ratings are determined solely by our editorial team.

Monthly Fees

$33.25 – $41.58+

Plan Options

2

Service Fees

$60 – $90

View Details

Why We Picked It

First Premier keeps it simple with just two plans: Premier and Platinum, both with fairly low monthly premiums. The Platinum plan covers major appliances and HVAC systems, while Premier sticks with plumbing, electrical and your water heater. The standout feature here? The company can send a tech out in as little as 24 to 48 hours, and you can handle everything (from filing to follow-up) online. Coverage spans all 50 states, and you’ll get access to 14 optional add-ons if you need to go further.

Why We Picked It

Quick turnaround is a big deal when your AC is on the fritz. This provider is one of the few that promises service that fast and actually delivers. When you need service urgently, that quick turnaround time can save you money and an even bigger headache.

Why We Like It

The company’s online platform is simple, which we appreciate. It’s easy to know what you’re getting when it’s all available online. Plus, the short tech dispatch window adds a lot of confidence that you won’t be waiting around for days.

What We Don’t Like

You’ll need the top-tier plan to cover appliances, and that could be a dealbreaker for folks on tighter budgets.

Who It’s Best For

Homeowners who don’t want to mess around when something breaks and like knowing help is just a day or two away.

Pros

• Technicians dispatched in 24–48 hours
• Easy plan selection
• Covers all 50 states

Cons

• Appliances only covered in Platinum plan
• Not many mid-range options

Complete Protection

Complete Protection

4.4

All ratings are determined solely by our editorial team.

Learn More

Read Forbes’ Review

Complete Protection

4.4

All ratings are determined solely by our editorial team.

Monthly Fees

$49 – $79+

Plan Options

4

Service Fees

$0

View Details

Why We Picked It

Complete Protection takes a different approach to home warranties. Instead of charging a separate service fee for each technician visit, the cost is baked right into the monthly premium. That makes it easier to budget since there are no additional costs when something breaks. The company offers four plans, ranging from coverage for appliances only to comprehensive systems and appliances. You’ll also get flexibility on contractor selection, which isn’t always the case in this industry.

Why We Picked It

We love that you’re not hit with a service fee every time something goes wrong. For folks who want predictable monthly costs, Complete Protection makes that easy.

Why We Like It

There’s something reassuring about not having to think twice before calling a tech. If your system fails, you call, they fix (it’s that simple). And the ability to choose your own service provider adds an extra layer of trust to the whole process.

What We Don’t Like

Premiums can run higher since Complete Protection rolls everything into one payment. Also, its availability and plan details vary depending on your location, which means you’ll need to double-check what’s offered in your state.

Who It’s Best For

Budget-conscious homeowners who prefer predictable, all-in pricing and don’t want to be penalized for needing frequent repairs.

Pros

• No service fees, ever
• Choose your own technician
• Flexible plan structure

Cons

• Monthly cost can be higher
• Coverage varies by location

Select Home Warranty

Select Home Warranty

4.4

All ratings are determined solely by our editorial team.

Get A Free Quote

On Select Home Warranty’s Website

Select Home Warranty

4.4

All ratings are determined solely by our editorial team.

Monthly Fees

$31.91 – $43.75+

Plan Options

3

Service Fees

$75

View Details

Why We Picked It

Select Home Warranty has great plan options, which can be helpful for those with different coverage needs and budgets. You’ll find three different tiers and each plan has a slightly different focus, whether on appliances, systems or both.. There are also nine extra options you can add, like garage door openers, sump pumps and even spa coverage, so you can really customize coverage.

Learn more: Select Home Warranty review

Why We Picked It

The plan options here are some of the best we’ve seen. Even lower-tier plans come stacked with useful coverage items, but are so specialized that you won’t pay for coverage you don’t need.

Why We Like It

It’s easy to find a plan that fits and still feel like you’re getting your money’s worth. If you’re not worried about your appliances, you won’t have to include them just to get a lower-priced plan (the same goes for systems if you care about appliances!).

What We Don’t Like

Finding out which states it covers isn’t super easy to do from the website. Also, although the plan options may be right for some users, for those who want appliance and system coverage, they’ll need to opt for the highest plan, which may not be budget-conscious. This isn’t necessarily a drawback for everyone, but is worth noting.

Who It’s Best For

Anyone who wants appliance-only or systems-only coverage.

Pros

• Appliance- and systems-only plans available
• Relatively low starting premiums
• Low service fee

Cons

• No state coverage list easily available
• Combined appliance and systems coverage only comes at highest level
• No BBB accreditation

How Much Does a Home Warranty Typically Cost?

The average cost of a home warranty is $57 per month (or $684). Of course, this is only an average; the precise amount depends on the provider you select, your coverage level and add-on options.

If you’re trying to plan ahead for your costs, know that your range can be as low as $27 per month up to $100 per month for a standard plan. This cost range will typically cover your basics, but any additional coverage can increase your monthly premiums. Not to mention service fees that can be tacked on any time you request a technician to come out.

Factors That Affect Your Home Warranty Costs

The cost of your home warranty depends mostly on your provider and location, as prices will obviously vary by company and may even change based on where you live and the size and type of your home. One provider can charge one price for one location and another price for a home across town. Then, of course, you need to add in service fees, coverage options, your home’s age, its current condition and limitations.

Let’s unpack each of these.

Service Fees

The service fee is the cost you’ll pay when a service provider visits your home for a repair or replacement. In the same way you select your car insurance deductible, when you select your service fee amount, it typically impacts your monthly premiums and vice versa. Providers often offer flexibility in selecting a service fee that aligns with your budget and risk tolerance.

Coverage Options

The more coverage you go for, the higher the cost. Your basic plans may cover essential systems such as your HVAC or plumbing, while higher-tiered coverage includes appliances, electrical and additional features. We recommend looking into several companies and plans so you can have a good balance of budget and adequate coverage.

Age and Condition of Your Home and Systems

The age and condition of your home can also have a significant effect on your coverage costs. First, if you have an older home or aged systems, you may have higher premiums. This is because there is a higher likelihood of needed repairs. Keep in mind that some home warranty companies may also deny homes or systems because of their age, so check with any company you’re considering.

However, newer homes aren’t always cheaper either. Newer homes may be less prone to immediate breaks, but they often feature newer, higher-end appliances. These new technologies or smart home appliances can cost more to repair or replace, which may be over your coverage limits or even drive up your price.

Coverage Limits

As you probably guessed, coverage limits are the amount that you are capped at in terms of coverage. For example, if your plan has a $5,000 coverage limit, your warranty is only responsible for covering this much in coverage costs. Coverage limits can apply to a specific item and to how much the company will cover overall during the course of your plan.

Plans with higher coverage limits can bring you peace of mind if a repair or replacement is needed, but they typically cost more.

Typical Home Appliance or System Repair Costs

When determining if a home warranty plan is worth it for you, it helps to compare plan costs and service fees against common home repair costs. Below we’ve listed some average costs for some common home repairs. Of course, these will vary based on the details of the repair, the contractor you choose, where you live and more. However, knowing generally how much these may cost can help you make a more informed decision about your home warranty plan.

COMMON REPAIRS	COST
Leaky faucet	$150 – $350
Roof repairs	$950
Water heater repairs	$600
HVAC issues	$215 – $1,200+
Electrical issues	$250 – $1,000+
Septic issues	$1,775
Dishwasher repairs	$250

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Home Warranty Survey Findings

In early 2025, we asked 1,800 homeowners how they felt about their home warranty policies, what they paid and how much they used them. Here are some of the most eye-opening findings:

• Across all five providers, 85% of surveyed customers reported not receiving any unexpected charges, suggesting a generally transparent pricing experience.
• When asked about overall value, customers gave an average rating of 8.2 out of 10, indicating high satisfaction with what they received for the price.
• Peace of mind was the most common reason people cited for getting a home warranty policy at 64%, followed by covering their aging systems (44%) and appliances and rounded out by convenience (40%).
• It’s probably no surprise that plan options and pricing were the most popular reasons people picked a specific home warranty plan, coming in at 47% and 44%. Other top reasons included brand reputation and recognition (35%) and recommendations from friends and family (32%).
• In perhaps the most reassuring number, 81% of respondents said they plan to renew when their home warranty plan expires.

How to Save Money on a Home Warranty

Prices are not always set in stone for home warranties; there are some loopholes to get valuable coverage at a lower price. But before you get started comparing, find three to four companies you’d like to consider and request quotes from each. This process will give you a baseline to start from. Once you can see their itemized costs, take a look at the following;

• Ask about bundling discounts that are offered for reduced rates.
• Ask about pre-paid deductions, as these can be offered for those willing to pay the annual charge up front.
• Look for promotions as companies will often offer free months for new customers and other discounts periodically.

Methodology – How We Selected the Cheapest Home Warranty Companies

To determine the cheapest home warranty companies, we analyzed 19 companies and 58 plans across several different attributes, with factors like plan premiums and service fees and cancellation fees making up a significant chunk of our scoring.

We also included our in-house net promoter score survey, where we polled 1,800 home warranty policyholders about how they feel about their specific companies and home warranties generally. We got insights that included how they’d rate the value of their plans for the money and how many times they’ve used their policies since signing on. Our data team also gathered and compared more than 100 price quotes to determine the best value.

You can find out more about how Forbes Home rates home warranty companies on our detailed methodology page.

Frequently Asked Questions (FAQs)