The Best Home Warranty Companies - 2021

Updated for May 2021
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Joe Schwartz

Home Warranty Editor

Joe is the chief content editor of TheTop10Sites and manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.

Most Commonly Asked Questions About Home Warranty Plans

Purchasing a Home Warranty is the best way to prevent expensive home and appliances repairs. These American home warranty companies offer various plans and pricing depending on your home and family needs. Got a question about home warranties? We've got answers! Read up on how home warranties work and shield your home today.


What is a home warranty?

Similar to a warranty that comes with the purchase of a new phone, appliance, or piece of equipment, home warranties, or service contracts, cover home appliances and system repairs. Home warranties shield homeowners from the high cost of unexpected appliance breakdowns and system failures. They provide protection not just for your home, but for your budget and time as well.  


How do they work?

What's great about home warranties is that unlike a standard warranty that comes with an appliance, home warranties cover a wide variety of items which can be customized depending on your needs. When signing up for a home warranty or receiving an initial quote, you will be asked to fill in basic information about the location of your home and which appliances you want to cover. Most American home warranty companies like Choice Home Warranty, Select Home Warranty, or American Home Shield, offer a choice of several plans with options to add appliances based on need. 

These home warranty companies will charge an annual contract fee for yearly coverage and a small service fee when they need to send someone to repair or replace an appliance. Typically home warranty companies work with certified local technicians who work quickly and efficiently to help ensure your home is back in working order.


What do home warranties cover?

As mentioned, home warranty coverage varies from company to company and there is no one set item list that all home warranties cover. In general, it's best to review your contract and make sure all your essential appliances are listed. 

In general home warranties may cover some of these items and more:

  • Central heating systems
  • Air conditioning systems
  • Electrical systems
  • Plumbing systems
  • Washing machines and dryers
  • Microwaves
  • Dishwashers
  • Refrigerators
  • Ovens and stove-tops


Why would you need a home warranty?

As a homeowner, you never know when your essential systems or appliances may break, and repairing them can be both time-consuming and extremely costly. Home warranties are there to offer peace of mind by ensuring you’ll be taken care of by certified professionals when the unexpected occurs. 

To offset these sometimes unpredictable costs, a home warranty service allows you to control the cost of home repairs. Rather than spending money on surprise repairs or replacements, or agonizing over what repairman to hire, you can rest assured knowing that everything will be taken care of with your annual contract fee.

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