Best home warranties in Florida Leave a comment


MarketWatch has highlighted these products and services because we think readers will find them useful. This content is independent of the MarketWatch newsroom and we may receive a commission if you buy products through links in this article.

A home warranty can help you rest easy at night. If your key appliances and systems like your refrigerator, dishwasher, or plumbing system break down from everyday wear and tear, your home warranty can help cover repair and replacement costs as you arrange an appointment with a vetted contractor.

Our research team has evaluated many home warranty providers on metrics like plans and coverage, pricing and customer service ratings to help you determine the best fit for your home. Read on to learn about our choices for the best home warranty companies in Florida.

The 5 best home warranty companies in Florida
  • American Home Shield: Best Overall

  • Choice Home Warranty: Covers the Essentials

  • Select Home Warranty: Budget-Friendly

  • Amazon Home Warranty: Trusted by Customers

  • First American: Affordable with Add-Ons

Compare the best home warranty companies in Florida

See how the best home warranty companies compare on key metrics. 

Provider

Visit Site

Best For

Monthly Cost in Florida*

Service Fee

Years in Business

States Covered

BBB Rating 

American Home Shield

AHS.com

Best Overall

$34.99-$59.99

$75-$125

49

49

B

Choice Home Warranty 

Choicehomewarranty.com

Covers the Essentials

$41.69-$50

$85

12

48

B

Select Home Warranty

SelectHomeWarranty.com

Budget-Friendly

$52-$58

$65-$75

7

49

B

Amazon Home Warranty

Ahwp.com 

Trusted by Customers

$48-$58

$75

11

45

NR

First American

Homewarranty.firstam.com 

Affordable with Add-Ons

$32-$43.50 

$75

36

34

B

*Range demonstrates least expensive plan to most expensive plan

1. American Home Shield

Availability: 49 (all but Alaska)

Years in Business: 49

American Home Shield earned the highest marks of all companies we evaluated. In business since 1971, AHS has a proven track record for comprehensive coverage and round-the-clock customer service with quick customer response times. The home warranty provider offers generous coverage caps and the option to increase your service fee to lower your monthly premium.

3 things to know about American Home Shield

  • 50 years of experience: AHS is the most experienced provider on our list and one of the largest

  • Free cancellation period: Customers who haven’t received service can cancel at no cost within the first 30 days of the contract

  • Choice of three service fees: Customers can choose their service fee, with higher fees corresponding to lower monthly premiums 

Plans and coverage

American Home Shield offers three coverage plans. The Systems Plan covers all major home systems, the Appliances Plan covers all major appliances, and the Combo Plan bundles them together for comprehensive coverage. According to the company, 70% of customers choose the Combo Plan.

You can find a coverage breakdown below.

Coverage

Systems Plan

Appliances Plan

Combo Plan

Refrigerator

Clothes washer

Clothes dryer

Range/oven/cooktop

Dishwasher

Built-in microwave oven

Trash compactor

Garage door opener

Free-standing ice maker

Built-in food center

Air conditioning

Heating system

Electrical system

Plumbing system

Water heaters

Garbage disposal

Instant hot/cold water dispensers

Doorbell

Smoke detectors

Ceiling fans

Central vacuum

The company offers five optional add-ons for customization:

  • Electronic extended warranty

  • Well pump

  • Pool and spa

  • Septic pump

  • Guest units up to 750 square feet

Cost

American Home Shield offers a selection of three different monthly premiums per plan, depending on which service fee you select. The higher the service fee, the lower your monthly premium. The options are $75, $100 and $125.

Plan

$75 service fee

$100 service fee

$125 service fee 

Systems

$49.99

$39.99

$34.99

Appliances

$49.99

$39.99

$34.99

Combo

$59.99

$49.99

$44.99

Get a quote: Call 844-529-9298 or fill out this form to get a price estimate. American Home Shield is offering $50 off for MarketWatch readers.

2. Choice Home Warranty

Availability: 48 (all but California and Washington)

Years in Business: 12

Choice Home Warranty stands out for its extensive coverage of essential systems and appliances and rare features like an extended workmanship guarantee. Choice makes it very easy to add optional coverage to your plans for added flexibility.

The provider’s reviews are mixed, with some customers reporting issues with contractors and claims submission, while others praised Choice’s professionalism.

3 things to know about Choice Home Warranty

  • No home inspections: Customers do not need to meet certain inspection requirements to qualify for coverage

  • Affordable plans: Choice has some of the lowest monthly premiums in the industry

  • 90-day workmanship guarantee: Customers can get free repairs within 90 days if an item breaks down post-repair

Plans and coverage

Choice Home Warranty offers a streamlined plan called the Basic Plan and a more comprehensive plan called the Total Plan. Each one provides coverage for both systems and appliances. The differences between them are that the Total Plan covers air conditioning, your clothes washer and your clothes dryer.

Coverage

Basic Plan

Total Plan

Heating system

Electrical system

Plumbing system 

Plumbing stoppages 

Air conditioning 

Water heater

Whirlpool bathtub 

Refrigerator

Oven/range/stove 

Cooktop

Dishwasher

Built-in microwave

Garbage disposal

Clothes washer

Clothes dryer 

Ductwork 

Garage door opener

Ceiling and exhaust fans 

Customers can purchase the following optional coverage for additional cost:

  • Pool/spa

  • Sump pump

  • Central vacuum

  • Limited roof leak

  • Septic system

  • Septic tank plumbing

  • Second refrigerator

  • Stand-alone freezer

Cost

Choice Home Warranty provides coverage at very affordable prices. The provider charges an $85 service fee, slightly higher than the $75 average in the industry, and low premiums overall.

Plan

Monthly Cost 

Basic

$41.69

Total

$50 

Get a quote: Call 929-400-6165 or fill out this form for a customized price estimate. Choice Home Warranty is offering $50 off and one month free to MarketWatch readers.

3. Select Home Warranty

Availability: 49 (all but Alaska)

Years in Business: 7

Select Home Warranty offers a variety of plans at affordable prices and rare perks like free roof coverage. The company has regular promotions to discount the amount you pay and committed customer service to handle your claims.

Select’s downside is that it has a $75 cancellation fee, and its coverage caps are low relative to the competition. However, with its budget-friendly rates, it is one of our top three recommended companies.

3 things to know about Select Home Warranty

  • Free roof leak coverage: Rare for a home warranty company, as most don’t offer roof coverage at all

  • Discounts on multi-year coverage plans: Premium savings for customers who want to commit to a longer term

  • Multiple customer service representatives per claim: Two or three customer service representatives are assigned to each claim

Plans and coverage

Select Home Warranty offers three different tiers of coverage—Bronze Care, Gold Care and Platinum Care. Bronze is devoted to systems, Gold is devoted to appliances, and Platinum combines the protections in one comprehensive plan.

Coverage 

Bronze Care

Gold Care

Platinum Care

AC/cooling

Ductwork

Electrical system

Heating system

Plumbing system

Water heater

Cooktop

Dishwasher

Garbage disposal

Built-in microwave

Refrigerator

Stove/Oven

Clothes washer

Clothes dryer 

Garage door openers

Plumbing stoppages

Customers can purchase additional coverage for the following:

  • Central vacuum

  • Lawn sprinkler system

  • Pool

  • Septic system

  • Spa

  • Standalone freezer

  • Sump pump

  • Well pump

Cost

Select Home Warranty offers regular promotions to help lower your monthly premium. When we requested an instant quote, the prices were $36 for both Bronze and Gold plans and $42 for Premium due to a discount. Select Home Warranty’s service fees range from $65-$75.

Plan 

Monthly Cost

Bronze

$52

Gold

$52

Platinum

$58

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

4. Amazon Home Warranty

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

Years in business: 11

Amazon Home Warranty has been a popular provider in the industry after establishing itself roughly a decade ago. With an extensive network of vetted contractors, AHW makes repairs and replacements easy for customers, but customers can also choose to use their own contractor. The provider also offers a wider variety of optional add-ons than many of its competitors.

3 things to know about Amazon Home Warranty

  • 24/7 customer service: The company is always available to answer home warranty questions

  • Choose your own contractor: Although the company has a network of experienced contractors, customers have the option of choosing their own

  • Comprehensive Combo Plan: The bundled plan offers coverage for items that are usually considered add-ons, like doorbells, kitchen exhaust hoods and garage door openers

Plans and coverage

Amazon Home Warranty offers three coverage plans, called the Appliances Plan, the Systems Plan and the Combo Plan. The Combo Plan is the most comprehensive.

Coverage

Appliances Plan

Systems Plan

Combo Plan

Central AC system

Central heating system 

Plumbing (including stoppages)

Electrical system

Hot water heater 

Ductwork

Jetted bathtubs

Garage door openers 

Dishwasher 

Refrigerator (w/ icemaker)

Clothes dryer

Standalone freezer 

Trash compactor

Oven/range/stove/cooktop 

Clothes washer

Microwave ovens 

Instant hot water dispenser

Garbage disposal

Attic fan 

Ceiling fan

Bathroom exhaust fan 

Doorbell

Kitchen fan/exhaust hood 

Cost

Amazon Home Warranty offers affordable rates and charges the industry-standard $75 service fee.

Plan

Monthly Cost

Appliances

$48

Systems

$48

Combo

$58

Additional coverage options include:

  • Additional dishwasher

  • Extra oven

  • Pool and spa

  • Additional microwave

  • Additional hot water heater

  • Water softener

  • Secondary refrigerator

  • Wine refrigerator

  • Well pump

  • Central vacuum

  • Additional washer/dryer

  • Ice maker

  • Limited roof leak

  • Sump pump

  • Whole-house humidifier

  • Septic system

  • Lawn sprinkler system

  • Additional central AC unit

  • Additional central heating unit

Get a quote: Customers can get a free quote by filling out this form or by calling 866-605-8194. Amazon Home Warranty is offering $75 off and one month free to MarketWatch readers.

5. First American Home Warranty

Availability: 34 states (all but Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, North Dakota, Rhode Island, Vermont and Wisconsin)

Years in business: 36

First American offers comprehensive, affordable coverage. Its Premium Plan has a great value for what it covers, and the company also provides add-on coverage options like the First Class Upgrade for appliances that were improperly installed or modified — a rare perk.

First American does disappoint in the availability category, since it only services 34 states. Also, the company does not offer coverage for central air conditioning in its core plans, but it does offer it as an add-on.

3 things to know about First American

  • 24/7 claims filing: Customers can submit a claim any time of day or night instead of having to wait for business hours

  • First Class Upgrade: This optional coverage can be added for appliances that were improperly installed or maintained, and it covers expenses from using cranes during installation and more

  • Unlimited service calls: The company does not limit the number of service calls customers can make in a year

Plans and coverage

First American offers two plans, the Basic Plan and the Premier Plan. The Basic Plan primarily covers appliances, while the Premier Plan provides coverage for both major appliances and systems. You can find a breakdown below.

Coverage 

Basic Plan

Premier Plan

Clothes washer 

Clothes dryer

Refrigerator

Dishwasher

Oven/range/cooktop

Microwave

Garbage disposal

Trash compactor

Plumbing

Plumbing stoppages

Heating system

Water heaters

Electrical systems

Garage door opener

Ductwork

Central vacuum system

First American stands out with its First Class Upgrade. Its benefits include:

  • Covers expenses related to the hauling away or removal of an appliance

  • Covers expenses from using cranes during installation

  • Pays up to $250 where local building permits are required for replacing appliances

First American also allows customers to round out their coverage with these five optional add-ons:

  • Central air conditioning system

  • Well pump

  • Pool and spa equipment

  • Secondary refrigeration

Cost

First American’s rates are very affordable with high value for the coverage. The home warranty company charges the standard $75 service fee.

Plan 

Monthly Cost 

Basic 

$32

Premier 

$43.50

Get a quote: You can get a free quote from First American by completing this form or by calling 833-777-0049.

The bottom line

Each of the home warranty providers we selected stands out in its own way, making the companies the best of the best in the industry. All of them have affordable rates and comprehensive coverage in addition to their special perks, making all five worthy of consideration as you search for a home warranty in Florida. American Home Shield offers three tiers of service fees to help lower your premium. Choice Home Warranty has a 90-day workmanship guarantee. Select Home Warranty offers roof coverage. Amazon Home Warranty allows customers to choose their own contractor, and First American offers the valuable First Class Upgrade.

We always recommend getting quotes from multiple providers before choosing the company for you.

Frequently asked questions

What is the best home warranty company in Florida?

Our research team has ranked American Home Shield as the best overall home warranty company in Florida. AHS offers comprehensive coverage, three tiers of service fees for flexible premiums, and quick customer response times.

Are home warranties worth the price?

Over time, major household systems and appliances break down due to everyday wear and tear. Unless you want to be on the hook to pay for a new refrigerator or electrical system completely out of pocket, you will likely find that a home warranty is worth it.

Will a home warranty replace an old HVAC?

That will depend on the policies of the particular company you choose to work with.

Does Choice Home Warranty replace your AC?

Yes, Choice Home Warranty will replace your air conditioning as long as your unit has been properly maintained.

Methodology: Our system for ranking the best home warranty companies

Because our consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best home warranty companies. This system accounts for a wide range of ranking factors, and we collected data on dozens of home warranty providers to grade the companies on each factor. The end result was a cumulative score for each provider, with the companies that scored the most points topping the list.

To ensure our research was as thorough as possible, we called every major home warranty provider directly and spoke with representatives to get quotes, specifics on coverage options, availability based on location and additional information. We also reviewed sample contracts to better understand what each plan covers and to identify limitations. In addition, we simulated the process of reaching out to each company’s customer service team to evaluate their level of helpfulness and ability to solve problems.

Once we had gathered all relevant data, we used the following scoring system to grade each home warranty company on a 100-point scale:

  • Overall plan options (5 points possible, weighted X5): Companies that offer a variety of plan options are more likely to meet consumer needs. Thus, we awarded more points to providers that offered more plans and greater flexibility.

  • Cost (5 points possible, weighted X5): Monthly fees and service fees are both taken into consideration. The lower the fees, the higher the score.

  • Trust (5 points possible, weighted X5): Customer feedback on third-party review sites was analyzed to gauge the reputation of each company. Points were deducted for companies that are currently facing or have recently faced civil lawsuits.

  • Customer service (5 points possible, weighted X2): This factor is based on the responsiveness, friendliness and helpfulness of a company’s customer service team.

  • State availability (5 total points possible): Most home warranty companies do not serve all 50 U.S. states. Providers that offer service in the most states scored the highest in this category.

  • Additional benefits (5 total points possible): Promotions and discounts are among the perks that can make a home warranty more attractive to consumers. Companies that offered benefits that competitors didn’t were awarded more points.

  • Coverage specifics (5 total points possible): While the total number of plan options is important, it is also essential to consider what is covered under each plan. The more comprehensive the coverage, the better.

All company data is monitored on an ongoing basis so that all rankings and information remain up-to-date.



Source link

Leave a Reply

Your email address will not be published. Required fields are marked *

SHOPPING CART

close