Florida homeowners have different priorities from homeowners in other parts of the country. Whether you’re focused on keeping your HVAC system in tip-top shape to survive the humid summers or you want to make sure your pool functional throughout the year, a home warranty can help. A home warranty is a service contract provides peace of mind for home systems and major appliances that break due to normal wear and tear.
We have reviewed more than 30 individual home warranty companies, passed their contracts through our rigorous review standards, and determined that these providers are the best home warranty companies for homeowners in Florida.
The Top 5 Home Warranty Companies in Florida
- American Home Shield
- Choice Home Warranty
- Liberty Home Guard
- America’s 1st Choice Home Club
- HomeServe
Note: All pricing information used in this article is based on quotes we requested for a single-family home smaller than 5,000 square feet in Miami Beach. Because home warranty coverage plans and pricing can vary from home to home, even within the same zip code, we recommend requesting a personalized quote from any service provider that interests you.
Compare Florida's Top Home Warranty Companies
American Home Shield
Fast Facts:
- Number of Plans: Three
- Service Fee: $75–$125
- Get a Quick Quote: Visit site
Plans
American Home Shield (AHS) offers three home warranty plans for Florida homeowners. The ShieldSilver plan covers built-in systems exclusively, while the ShieldGold and ShieldPlatinum plans offer combination coverage for built-in systems and home appliances. With AHS’s flexible service call fee model, you can select a $75, $100, or $125 fee, which will allow you to customize your monthly fees.
The company does not stipulate a coverage limit (the total amount the provider will pay for a covered item) on built-in systems in any of its plans. Its coverage limit for appliances is $3,000 per item with the ShieldGold plan and $6,000 with the ShieldPlatinum plan.
ShieldSilver ($34.99–$49.99 per month): This plan covers a suite of built-in systems, including your air conditioning, heating unit, ductwork, built-in exhaust, vent, attic fans, main breaker and fuse panel box, doorbells and chimes, interior electrical lines, ceiling fans, garage door openers, interior plumbing lines, toilets, faucets and valves, whirlpool tub motor and components, and water heater.
ShieldGold ($44.99–$59.99 per month): This plan covers all of the items in the ShieldSilver plan plus essential appliances including refrigerators, ranges, cooktops, ovens, dishwashers, built-in microwaves, garbage disposals, instant cold/hot water dispensers, clothes washers, and dryers.
ShieldPlatinum ($64.99–$79.99 per month): This plan includes all the items in the ShieldGold plan plus up to $1,500 for roof leaks, a discounted annual HVAC tune-up, unlimited AC refrigerant, and up to $1,000 in code upgrades.
Choice Home Warranty
Fast Facts:
- Number of Plans: Two
- Service Fee: $85
- Get a Quick Quote: Visit site
Plans
Choice Home Warranty is an excellent choice for homeowners who don’t want to choose between appliance and built-in systems coverage. The Basic Plan covers 18 major systems and appliances, including your electrical and plumbing systems, but it doesn’t cover laundry appliances, your refrigerator, or air conditioner. The Total Plan expands coverage to include those items.
Since 2019, Choice Home Warranty has been involved in a class-action lawsuit that alleges it failed to communicate the reasons for denying claims for covered items. The case has yet to be resolved, but a representative for the company informed us that more than 90% of 1.1 million claims were approved in 2021.
Basic Plan ($46.83 per month): This plan covers a combination of built-in systems and appliances, including your heating system, water heater, electrical system, plumbing system, plumbing stoppages, oven, range, stove, built-in microwave, cooktop, dishwasher, garbage disposal, ceiling and exhaust fans, ductwork, garage door opener, and whirlpool bathtub.
Total Plan ($54.75 per month): This plan expands the coverage of the Basic Plan to your clothes washer, clothes dryer, refrigerator, and air conditioning system.
Liberty Home Guard
Fast Facts:
- Number of Plans: Three
- Service Fee: $65–$125
- Get a Quick Quote: Visit site
Plans
Liberty Home Guard (LHG) offers three standard plan options and more than 37 additional coverage options to further customize your coverage, including items such as wine coolers, pro-series appliances, and saltwater pools. Appliance and Systems Guard are the two basic plan options and they cover appliances and systems respectively. The Total Home Guard plan combines the coverage of the two earlier plans.
LHG assigns a service fee to each account based on the location of the home, any add-ons you select, and your plan. When we spoke to a representative for the company, we were informed that this fee will always fall between $65 and $125. Unlike other providers’ flexible service call fee models, this amount will not increase or lower your monthly fee.
Appliance Guard ($69.99 per month): This plan covers your clothes washer, clothes dryer, refrigerator with ice maker and display, built-in microwave oven, dishwasher, garbage disposal, range, oven, cooktop, ceiling and exhaust fans, and garage door openers.
Systems Guard ($74.99 per month): This plan covers your air conditioning system, heating system, ductwork, plumbing system, electrical system, and water heater.
Total Home Guard ($79.99 per month): This plan covers all of the items in the Appliance and Systems Guard plans.
America’s 1st Choice Home Club
Fast Facts:
- Number of Plans: Four
- Service Fee: $75–$125
- Get a Quick Quote: Visit site
Plans
America’s 1st Choice Home Club (AFC Home Club) offers four plan options, all of which come complete with a plan-length workmanship guarantee. A workmanship guarantee is a promise from the company to return to re-service and repair any item that malfunctions again after it has been serviced by the company’s technician. Typical workmanship guarantees are 30 days, but with AFC Home Club, your items are guaranteed for as long as your plan is active. AFC Home Club offers one-year plans and three-year plans.
Silver Plan ($51.08–$58.33 per month): This plan covers appliances, such as your clothes washer and dryer, kitchen refrigerator, oven, range, cooktop, stove, dishwasher, garbage disposal, and garage door opener.
Systems Plan ($62–$69.25 per month): This plan covers your water heater, air conditioning system, heating system, electrical system, plumbing system, and ductwork.
Gold Plan ($72.92–$80.25 per month): This plan combines the coverage of the Silver and Systems plans into one comprehensive coverage package.
Platinum Plan ($80.25–$87.50 per month): This plan covers all of the items in the Gold Plan as well as plumbing stoppages, faucets, ice makers, and built-in microwaves.
HomeServe
Fast Facts:
- Number of Plans: 11
- Service Fee: $100
- Get a Quick Quote: Visit site
Plans
HomeServe offers highly specialized coverage options based on your zip code and utility provider. You can choose from plans that specifically cover your gas line, water heater, and other aspects of your home or choose a plan that bundles several items together.
In this case, we weren’t provided with a plan that covers appliances, but it is an option in some locations. We recommend requesting a personalized quote to confirm the plans available for your home.
Gas Line Plus ($4.99 per month): This plan covers up to $8,000 for your interior gas line, interior gas restoration, exterior gas line, and exterior gas line restoration.
Exterior Electrical Line Coverage ($5.49 per month): This plan covers up to $2,000 for your exterior electrical line.
Water Heater Repair ($6.99 per month): This plan covers up to $850 in water heater repairs.
Exterior Water Service Line Coverage ($7.95 per month): This plan covers up to $7,000 for your exterior water service line and exterior water service line restoration.
Exterior Sewer/Septic Line Coverage ($12.99 per month): This plan covers up to $10,000 for your exterior sewer/septic line and exterior sewer/septic line restoration.
Interior Plumbing and Drainage Coverage ($18.99 per month): This plan covers interior plumbing and interior drainage up to $3,000.
Home Plumbing and Drainage Coverage ($21.98 per month): This plan covers up to $12,000 for your exterior sewer/septic line, exterior sewer/septic line restoration, interior plumbing, interior drainage, and drain cleaning.
Home Comfort Plan ($29.99 per month): This plan covers up to $10,000 for your interior gas line, exterior gas line, cooling system, heating system, and water heater repair.
Complete Plumbing Repair Plan ($41.99 per month): This plan covers up to $10,000 for your exterior water service line, exterior sewer/septic line, exterior sewer/septic line restoration, interior plumbing, interior drainage, drain cleaning, interior gas line, exterior gas line, and water heater repair.
Interior Protection Plan ($55.99 per month): This plan covers up to $10,000 for your interior plumbing, interior drainage, interior gas line, exterior gas line, interior electrical line, cooling system, heating system, and water heater repair.
Premium Home Protection Plan ($69.99 per month): This plan covers up to $10,000 for your exterior water service line, exterior sewer/septic line, interior plumbing, interior drainage, drain cleaning, interior gas line, exterior gas line, exterior electrical line, interior electrical line, cooling system, heating system, and water heater repair.
Our Recommendation
If your air conditioner is one of the most important items to you, American Home Shield’s unlimited built-in systems coverage may appeal to you. If you want to protect your home’s essentials without having to compromise between covering built-in systems and appliances, Choice Home Warranty’s two combination plans are good choices. If you want to prioritize a company that offers a long list of add-on options to customize your plan, consider Liberty Home Guard.
All of the home warranty providers in this article have been thoroughly vetted for providing responsive customer service, comprehensive plan options, and a thoughtful suite of optional coverage items. To find the right one for your home, request quotes from at least three of the companies and compare their coverage options, exclusions, and other terms and conditions.
FAQs: Florida Home Warranty Companies
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on customer-review analysis and interviews with industry experts.
During this process, we determined that the most critical aspects of a home warranty company include available service plans and add-ons, depth of coverage, plan cost, industry reputation, customer support infrastructure, and additional features. We also focused on the ability to choose your own contractor, upgrade your coverage package, transfer your plan to another owner, and cover roof leaks, high-end appliance brands, ceiling and exhaust fans, and faucets and fixtures.
Our research supported that plan coverage should carry the most weight, with customer support as the second-most important factor. Industry reputation, plan availability, and additional features were rated equally. Therefore, we determined that price range, while worth considering, should not be the primary basis for choosing a home warranty provider for your home’s needs.