Instead of one long ranking, this guide groups the top home warranty providers by what reviewers rewarded. It makes it easier to see which names fit what you care about.
If price matters most
NerdWallet (September 2026) gave 2-10 Home Buyers Warranty its budgeting award and Cinch its value award, and ConsumerAffairs (October 2026) chose Old Republic for value. Starting prices in these lists run from about $20 to $50 a month for the smallest plans. The service fee then decides what you really pay, and published fees run from $65 to $150.
If caps matter most
American Home Shield shows HVAC limits of $5,000 to $10,000 depending on the source, and appliance limits of $2,000 to $4,000. First American shows no HVAC limit in NerdWallet’s write-up and appliance limits of $3,500 to $7,000. Liberty Home Guard shows lower per-item limits, such as $2,000 each, with plumbing and electrical limits of $500 to $750. Always get the caps in writing.
If repair guarantees matter most
Most providers in NerdWallet’s list guarantee repairs for 30 days. It shows 180 days for Cinch and 365 days for Liberty Home Guard on HVAC and appliances, with 100 days on plumbing and electrical. Home Service Club shows 30 days on labor and 90 on parts.
If claims and technicians matter most
ConsumerAffairs picked HomeSafe for claims handling, ARW Home for technicians and Liberty Home Guard for quick service. NerdWallet scores whether you can choose your own technician, and Old Republic got its customer satisfaction label.
If roof coverage matters most
ConsumerAffairs picked First American for roof coverage and Money.com picked Select Home Warranty. Roof leak coverage is often an add-on, with caps of about $500 to $1,000 in these lists. Ask for the cap and any exclusions.
How to use this
- Decide which one or two lines above matter most for your home.
- Pick two or three names that sell in your state.
- Get quotes for the same home and plan level.
- Read each sample contract before you pay.
Some outlets say they earn commissions or have partners, and labels show how one outlet weighed things. We did not test these companies and we do not rank them. See the most affordable plans for price math, or get a quote.