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March 24, 2021, 2:02 p.m. EDT

The best home warranty companies of 2021

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By Home Media

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Finding the right home warranty can bring you peace of mind while also saving you a lot of money, should you encounter unforeseen issues with a home appliance or system. In our review of the best home warranty companies, we look at trusted providers that offer protection in the event that items in your home break down and require repairs.

Keep reading to learn more about the providers that our research team identified as the top home warranty companies in the industry.

(See a detailed account of our methodology at the bottom of this story.)

Top home warranty companies of 2021

  1. American Home Shield

  2. Choice Home Warranty

  3. Select Home Warranty

  4. Amazon Home Warranty

  5. First American Home Warranty

  6. America’s 1st Choice Home Club

  7. Total Home Protection

Home warranty companies: side-by-side comparison

While there are benefits to coverage offered by all of these home warranty companies, each provider is different. Below is a table with a side-by-side breakdown of the eight companies.

Best Overall: American Home Shield

Availability: 49 states (all but Alaska)

Years in business: 49

After analyzing more than 25 companies in the home warranty space, we identified American Home Shield as the best home warranty provider. This is largely due to AHS’s stellar reputation, the flexibility it offers with its service fees and its quick claims response.

American Home Shield offers an Appliance Plan (covering refrigerators, dishwashers and other common appliances), a Systems Plan (ideal for important systems such as air conditioning and smoke detectors) and a Combo Plan that covers a combination of systems and appliances. Although customers with an AHS warranty cannot choose their own technician when they need repairs, the many benefits of American Home Shield make this the best-rated home warranty company on our list.

Get a quote: You can call 844-529-9298 or fill out this quick form to get a quote. AHS is offering MarketWatch readers $50 off their policy.

Compare American Home Shield

Covers The Essentials: Choice Home Warranty

Availability: 48 states (all but California and Washington)

Years in business: 12

Choice Home Warranty offers two service plans: A Basic Plan that covers many of a home’s most important systems and appliances, and a Total Plan that provides coverage for all of those same items plus air conditioning systems, refrigerators, washers and dryers. For added flexibility, Choice also allows customers to select add-ons, making it easy to build a plan designed around their specific needs.

There is a mix of positive and negative reviews on Choice Home Warranty’s Better Business Bureau and Trustpilot pages. While many customers stated that they had poor experiences with contractors after submitting claims, others commended the professionalism and responsiveness of Choice’s customer service team.

Homeowners considering the provider should be aware of the company’s ongoing legal issues. The Arizona Attorney General’s Office filed a consumer fraud lawsuit against Choice Home Warranty in October 2019, alleging that the company made false promises to protect customers from high-cost repairs and replacements while denying claims in bad faith. The home warranty company did not comment on the lawsuit when we reached out, and as of March 2021, the lawsuit was not resolved.

While the lawsuit is one factor that consumers should consider, it is not necessarily a sign that Choice is an untrustworthy provider. Our research found that the company has a straightforward user agreement , and we believe that customers can avoid unexpected claim denials as long as they read their contract before purchasing a plan. Our research team still recommends Choice as a company offering affordable prices and a basic plan that covers essential items and doesn’t limit customers to protecting only systems or only appliances.

Get a quote: Call 800-495-1292 or fill out this form to get a price estimate. MarketWatch readers get $50 off and 1 month free.

Compare Choice Home Warranty

Budget-Friendly: Select Home Warranty

Availability: 49 states (all but Alaska)

Years in business: 7

Select Home Warranty stands out for its low cost relative to other providers and for its current discount offer of two free months when you sign up for a plan. In addition, the company offers free roof coverage for its customers.

Like with any provider, there are downsides. In this case, consumers should be aware of low coverage caps and a $75 cancellation fee should they terminate their plan. However, Select Home Warranty offers multiple plan options at affordable prices, making this the top-rated home warranty company for customers seeking a budget-friendly plan.

Get a quote: To get a customized price estimate, you can call 888-370-3956 or fill out this quick form . Select is offering MarketWatch readers $100 off and 2 months free.

Trusted by Customers: Amazon Home Warranty

Availability: 45 states (all but California, Iowa, Missouri, Oklahoma, Washington)

Years in business: 11

Amazon Home Warranty , which is not affiliated with the online retail giant, is among the top companies in the home warranty industry despite some recent negative publicity. AHW’s accreditation with the Better Business Bureau (BBB) was revoked in November 2020 for allegedly failing to meet BBB standards. However, the company believes it has been treated unfairly, and it is working to regain its accreditation.

Nonetheless, Amazon Home Warranty holds a high BBB customer review rating with over four stars out of five. With three comprehensive plans, 24/7 customer service and an extensive network of licensed contractors, AHW is one of the most trusted providers in the home warranty space.

Available in 45 states, Amazon Home Warranty is not accessible to all U.S. residents. However, with a range of coverage options at competitive prices, this could be an ideal provider if you live in one of the states the company covers.

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