10 Home Warranty Companies I Trust in 2025 (and Why)

I spent way too many nights reading contracts so you don’t have to. Here’s the thing: the right home warranty can feel amazing when your AC quits in July, and infuriating when exclusions trip you up. I’m sharing who actually impressed me in 2025, in plain English, the way I’d tell a friend. And yes, I’ll nudge you toward a fuller breakdown on Consumer’s Best when it helps.

My 10 favorite home warranty companies in 2025

Quick heads up: plans and pricing vary by address. I’m calling out real strengths and trade-offs so you can match a company to your house, not just a headline. If you’re skimming for top-home-warranty-companies-2025, this is the short list I’d start with.

American Home Shield — Broad, flexible coverage with higher caps on big systems. It’s rarely the cheapest, but it’s often the most forgiving on older gear. If you hate nickel-and-diming, this one’s easy to like.

Liberty Home Guard — Fast claims experience and a huge add-on menu (think sump pumps to pro-grade fridges). Believe it or not, the customizability actually helps rein in costs if you only need a few extras.

First American Home Warranty — Strong on appliances and value. If your kitchen is the star of the show, their coverage balance makes a lot of sense, especially for older ranges and dishwashers.

AFC Home Club (America’s First Choice) — You can choose your own technician. That freedom alone can save a Saturday. Plans feel transparent and the membership perks don’t hurt.

Cinch Home Services — Workmanlike and quick. Solid for folks who want dependable response times and simple coverage without a lot of add-on juggling.

Choice Home Warranty — Often priced sharply with straightforward bundles. It’s a fit if you’re budget-first and want essential systems and appliance protection under one roof.

Old Republic Home Protection — A real estate favorite. If you’re buying or selling, their transaction-friendly coverage and steady claims process can smooth out surprises.

2-10 Home Buyers Warranty — Great for newly purchased homes and sellers who want coverage during the listing. Good system caps and a clear path if you’re mid-move.

HomeServe — More utility-style plans and focused system coverage. If you mostly worry about one big item (like a main water line or HVAC), their targeted approach makes sense.

Select Home Warranty — Competitive pricing with useful roof-leak coverage on many plans. If you’re cost-sensitive but still want a few high-impact protections, it lands well.

If you want the nitty-gritty (claim caps, service fees, and exclusions), I’ve got deeper notes for each of these on Consumer’s Best. Tap their name in your browser with “Consumer’s Best review” and you’ll find the full walkthrough.

How to pick a plan without overpaying

Start with your house, not the ad. What’s old? What’s pricey to replace? If your AC is pushing 12 years, a plan with stronger HVAC caps beats a flashy appliance bundle. Service fee matters, too: a lower monthly price with a sky-high fee can cost more if things break twice. And read the section on access, haul-away, and code upgrades—those little line items decide how much you actually pay on repair day. For more context, I call out these gaps in my top-home-warranty-companies-2025 guide so you can dodge surprises.

What changed in 2025 (and why it matters)

Prices nudged up in a lot of regions—mostly due to labor and parts. Some companies rolled out smart-home add-ons and higher optional caps for premium appliances. I’m also seeing more flexible service fees and “no-fault” coverage language getting clearer. Tiny improvement, big relief. Bottom line: the plans in my top-home-warranty-companies-2025 list didn’t all get cheaper, but they did get easier to tailor so you’re not paying for fluff.

Do you even need a home warranty?

If your systems are newer and you keep a healthy emergency fund, you might skip it. But if you’ve got a mix of older equipment—HVAC, water heater, or a finicky fridge—a warranty can turn a budget-ruiner into an inconvenience. I tell friends this: if one mid-size repair would sting, a plan’s worth a look. And if you’re browsing top-home-warranty-companies-2025 because you just bought a place, a first-year policy can be cheap peace of mind.

The tiny gotchas I always check

Look for caps per item and caps per term—they’re different. Watch for exclusions on pre-existing issues, improper install, and code upgrades. Ask how repeat failures are handled, and whether you can cash out if a part’s backordered. One more quiet fee: access costs. Slab leaks, attic units, tight crawl spaces—those can add labor that isn’t fully covered. I flag these in every Consumer’s Best review and call them out again in the top-home-warranty-companies-2025 breakdown so you know what you’re buying.

Bottom line + next steps

I want you to feel calm when something breaks. Pick the company that fits your house, confirm caps and fees, and only add extras you’ll use. If you want my full notes (screenshots, sample invoices, and plan differences), search the company name plus “Consumer’s Best review.” I’ll keep it friendly, honest, and useful—because that’s the whole point of Consumer’s Best. And if you need a quick recap, the top-home-warranty-companies-2025 list up top is the best place to start.

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Frequently Asked Questions

They can be—if your systems or appliances are aging, or a single $800–$2,000 surprise would wreck your month. Plans generally run about the cost of one modest repair per year, plus a service fee per call. If you’d rather trade unpredictable bills for predictable ones, a warranty can make sense; if your gear is newer and you’ve got a solid emergency fund, you might skip it. I lean on real caps, fees, and exclusions to decide—those three details make or break the value.