Best Home Warranty — every ranking, by use case and budget
Coverage figures here come from each provider's own sample contract. Scores are locked before any affiliate link is added. This is a comparison of service contracts, not insurance or legal advice.
Cinch Home Services
Good
8.3
American Home Shield
Good
8.2
By use case indexed
By price page 1 indexedpage 2+ noindex
In-depth home warranty reviews
Liberty Home Guard
The widest add-on list in the category and the fewest complaints per customer we could find — with a 60-day workmanship guarantee most rivals cap at 30 days
Read Liberty Home Guard ReviewCinch Home Services
A 180-day workmanship guarantee — six times the usual — plus $25 a year toward filters and a water-sensor kit included on the top plan
Read Cinch Home Services ReviewAmerican Home Shield
The oldest name in the business, and the only one here that covers pre-existing faults it could not have detected — the clause that saves an older home
Read American Home Shield ReviewFirst American Home Warranty
Backed by a large title-insurance group, with unusually generous appliance caps and no limit on the age of the items it will cover
Read First American Home Warranty ReviewSelect Home Warranty
The cheapest premium of the six, with free roof-leak cover thrown in — and the lowest caps, which is where the saving comes from
Read Select Home Warranty ReviewChoice Home Warranty
Two simple plans instead of a menu, 24/7 claims and a large national network — straightforward cover at a middling price
Read Choice Home Warranty ReviewGuides that send readers to these rankings
The Home Warranty Cap Is the Only Number That Matters
Six contracts read line by line: what the caps are, what every one of them refuses, and the break-even maths.