People love Ohio for its slower pace of life, top-tier universities, and distance away from the noise of the big coastal cities, but the state isn’t immune from the reach of bitter Midwestern winters. Even the best-maintained home systems and major appliances will inevitably experience breakdowns due to normal wear and tear. A home warranty offers comprehensive service to help you pay for the repair and replacement costs associated with your home systems and appliances, like your heating unit and oven.
We’ve reviewed more than 30 home warranty providers across the industry and narrowed down our list to the best home warranty companies for Ohio homeowners. All pricing information used in this article is based on a single-family home smaller than 5,000 square feet in Indian Hill, Ohio. Continue reading to discover the best features of each provider.
The Top 5 Home Warranty Companies in Ohio
Here are the best home warranty companies for Ohio residents:
- American Home Shield
- Choice Home Warranty
- America’s 1st Choice Home Club
- HomeServe
- Liberty Home Guard
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 plans: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver covers built-in systems only, while ShieldGold and ShieldPlatinum cover a combination of systems and home appliances. All plans are eligible for flexible pricing by choosing your own service call fee. Generally, the higher the service call fee, the lower your monthly fees.
ShieldSilver ($34.99–$49.99 per month): This plan covers your home’s major systems, including your air conditioning, heating unit, ductwork, built-in exhaust fan, vent fan, attic fans, main breaker and fuse panel box, doorbells, chimes, interior electrical lines, ceiling fans, garage door openers, interior plumbing lines, toilets, faucets and valves, whirlpool tub motor and components, and water heaters.
ShieldGold ($44.99–$59.99 per month): This plan covers all items in the ShieldSilver plan, plus 10 essential appliances, including refrigerators, ranges, cooktops, ovens, dishwashers, built-in microwaves, garbage disposals, instant hot/cold water dispensers, washers, and dryers. All appliances are covered up to $3,000 with this plan.
ShieldPlatinum ($64.99–$79.99 per month): This comprehensive plan covers everything in the ShieldGold plan and expands coverage to include up to $1,500 for roof leaks. ShieldPlatinum also provides a discounted annual HVAC tune-up, unlimited AC refrigerant, and up to $1,000 in code upgrades. In addition, this plan raises the coverage for appliances to $6,000 per item.
Choice Home Warranty
Fast Facts:
- Number of Plans: Two
- Service Fee: $85
- Get a Quick Quote: Visit site
Plans
Choice Home Warranty is a valuable consideration for any homeowner seeking to cover their home’s essentials without compromising on the choice between built-in systems and appliances. Both of Choice’s plans offer combination coverage for items such as your water heater, ceiling and exhaust fans, and even your whirlpool tub.
Since 2019, Choice Home Warranty has been involved in a class-action lawsuit that alleges that the provider failed to follow through on its obligations to consumers by denying claims in bad faith and routinely neglecting to communicate throughout the claim process. However, when secret shopping, we were told by a representative of the company that the provider had approved more than 90% of the 1.1 million claims filed in 2021.
Because the lawsuit claims that the company frequently denied claims for items that customers thought should be covered, we recommend that all potential customers take the time to thoroughly read and review the sample contract to familiarize themselves with policy exclusions and limitations.
Basic Plan ($46.83 per month): The Basic Plan covers 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): The Total Plan expands on the coverage of the Basic Plan by covering your clothes dryer, clothes washer, refrigerator, and air conditioning system.
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) is an excellent option for frequent travelers or people who own a second home. With other home warranty policies, you may be limited to a short workmanship guarantee of 30 days, but with AFC Home Club your workmanship guarantee is valid for the entire length of your plan. A workmanship guarantee gives you peace of mind that if a previously serviced item breaks down again, the company will send another technician at no charge to you.
AFC Home Club offers two basic plans—the Silver Plan and the Systems Plan—that cover appliances and built-in systems, respectively, and two combination plans, the Gold Plan and the Platinum Plan. Like AHS, AFC Home Club offers a flexible service call fee model.
Silver Plan ($36.50–$41.67 per month): This plan covers a suite of appliances, including your clothes washer and dryer, kitchen refrigerator, oven, range, cooktop, stove, dishwasher, garbage disposal, and garage door opener.
Systems Plan ($44.25–$49.50 per month): This plan covers your water heater, air conditioner, heating system, electrical system, plumbing system, and ductwork.
Gold Plan ($52.08–$54.58 per month): This plan combines the Silver and Systems plans into one comprehensive package.
Platinum Plan ($54.58–$59.17 per month): This plan covers all the items in the Gold Plan, plus additional coverage for plumbing stoppages, faucets, ice makers, and built-in microwaves.
HomeServe
Fast Facts:
- Number of Plans: 14 (can vary based on location)
- Service Fee: $100
- Get a Quick Quote: Visit site
Plans
HomeServe functions a bit differently than other home warranty providers by taking into account your utility providers before determining what plans are available to you. Because HomeServe works with utility providers, many of its plans are highly specialized for items such as your gas line and other exterior utility lines.
Due to its specialized nature, HomeServe’s available plans may vary considerably from one home to another—even within the same zip code—so it’s important to request a quote for yourself. In Indian Hill, Ohio, we were provided with 14 coverage options. You can compare those options below.
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.
Water Heater Repair ($6.99 per month): This plan covers up to $850 for 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.
Water Heater Repair and Replacement ($8.99 per month): This plan covers up to $1,500 for water heater repairs and replacements.
Exterior Sewer/Septic Line Coverage ($12.98 per month): This plan covers up to $10,000 for your exterior sewer/septic line and exterior sewer/septic line restoration.
Cooling System Coverage ($12.99 per month): This plan covers up to $1,750 for your cooling system.
Heating System Coverage ($12.99 per month): This plan covers up to $1,750 for your heating system.
Exterior Pipe Plan ($15.99 per month): This plan covers up to $10,000 for your exterior water service line, exterior water service line restoration, exterior sewer/septic line, and exterior sewer/septic line restoration.
Interior Plumbing and Drainage System Coverage ($18.99 per month): This plan covers up to $3,000 for your interior plumbing and interior drainage.
Heating and Cooling Plan ($19.99 per month): This plan covers up to $10,000 for your heating and cooling systems.
Home Plumbing and Drainage Coverage ($21.98 per month): This plan covers up to $12,000 for your exterior sewer/septic line, 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 Plan ($41.99 per month): This plan covers up to $10,000 for 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.
Total Home Warranty Appliances ($48.33 per month): This plan covers up to $1,500 for each appliance, and it includes coverage for your refrigerator, clothes washer, clothes dryer, range, dishwasher, built-in microwave, trash compactor, and garage door opener.
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: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard covers 11 essential appliances, such as your washing machine and oven, and Systems Guard covers six built-in systems, such as your electrical system. Total Home Guard combines those two plans into one comprehensive coverage package.
LHG’s standout feature is its impressive suite of optional coverage items, which you can add to any plan. These options include, but are not limited to, saltwater pools, reverse osmosis systems, wine coolers, plumbing fixtures, and more.
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 combines the coverage of the appliance and systems plans into one comprehensive package.
Our Recommendation
The home warranty that works best for you is always going to depend on your home’s unique needs. If you’re most focused on high coverage caps (the total amount a provider is willing to pay for a covered item), American Home Shield’s no-limit coverage on built-in systems and coverage up to $6,000 per appliance is incredibly generous by industry standards.
If a long workmanship guarantee helps you rest easier, then AFC Home Club’s plan-length guarantee is unbeatable by any other provider on this list. If you want to have your pick from a long list of specialized add-ons, Liberty Home Guard may be the choice for you.
Before selecting a home warranty company in Ohio, we recommend requesting a quote from all of the providers on this list (or at least three), comparing the fine print, and taking the time to ask clarifying questions when you speak to a sales representative. This initial research will help you avoid future misunderstandings and unexpectedly denied claims.
FAQ About Ohio 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.