Select Home Warranty

The best home warranty companies that show up most consistently across major 2026 roundups are American Home Shield, Cinch Home Services, AFC Home Warranty, Liberty Home Guard, Choice Home Warranty, 2-10 Home Buyers Warranty, and Select Home Warranty.

If you want the shortest practical recommendation, start with these:

A few patterns stand out from the review sites: American Home Shield is the most repeated “best overall” or “best for coverage” pick, Cinch Home Services often ranks high for overall value or claims experience, and AFC Home Warranty appears frequently among top-tier choices for flexibility and contractor selection.

If you want the brands people actually use most often, the most commonly recurring names across these roundup lists are American Home Shield, Cinch Home Services, AFC Home Warranty, Liberty Home Guard, Choice Home Warranty, First American Home Warranty, 2-10 Home Buyers Warranty, and Select Home Warranty.

If you want, I can also give you:

• a best pick by budget
• the best pick for older homes
• the best pick for appliances vs. systems
• or a top 3 recommendation based on your home type and state

Choosing the best home warranty company depends on your home’s age, your budget, and what systems/appliances you want covered. A home warranty is a service contract that helps cover repair or replacement costs for major home systems (HVAC, plumbing, electrical) and appliances (refrigerator, washer/dryer, etc.) when they break down from normal wear and tear.

Here are the most popular and highly rated home warranty companies that people actually use, based on coverage, customer reviews, and industry reputation.

1. American Home Shield (AHS)

Best for: Overall, broadest coverage American Home Shield is the largest and most established home warranty company. They offer flexible plans and don’t require a home inspection for coverage.

• Pros: Huge network of service providers; multiple plan options; covers roof leaks, code violations, and rust/corrosion in many cases.
• Cons: Higher service call fees ($75–$125); claims can be denied on pre-existing conditions or lack of maintenance.
• Plans:
  • ShieldSilver (basic systems)
  • ShieldGold (systems + appliances)
  • ShieldPlatinum (premium with extra coverage)
• Who it’s for: Homeowners who want the most coverage options and don’t mind paying a bit more.

2. Choice Home Warranty

Best for: Affordable plans and fast claims processing Choice Home Warranty is one of the most popular budget-friendly options, with simple pricing and a quick online claim system.

• Pros: Low service fees; fast claims approval; includes roof leak coverage on some plans; no age limits on equipment.
• Cons: Limited coverage for certain high-end items; some contractors may be regional or limited.
• Plans:
  • Basic Plan (major systems)
  • Total Plan (systems + appliances)
  • Optional add-ons (pool/spa, septic, etc.)
• Who it’s for: Homeowners looking for straightforward, affordable coverage.

3. Old Republic Home Warranty

Best for: Customer satisfaction and low service fees Old Republic has been around for decades and frequently scores high in customer satisfaction surveys. They offer a simple, affordable service fee structure.

• Pros: Very reasonable service fees ($65–$75); no age limits on covered items; allows replacement cost payment up to $2,000 or more.
• Cons: Fewer add-ons than competitors; some users report slower claim scheduling in rural areas.
• Plans:
  • Systems Only
  • Appliances Only
  • Complete (systems + appliances)
• Who it’s for: People who want affordable, reliable coverage with low out-of-pocket costs.

4. Liberty Home Guard

Best for: Customizable plans and great add-ons Liberty Home Guard is a newer company but has become extremely popular due to its à la carte add-ons and strong customer service.

• Pros: 60+ add-on options (including Wi-Fi enabled appliances, septic systems, pool, etc.); no waiting period for some plans; transferable coverage.
• Cons: Base plans are limited; some complaints about contractor availability in certain areas.
• Plans:
  • Appliance Guard
  • Systems Guard
  • Total Home Guard
• Who it’s for: Homeowners who want extra coverage for unusual items (pools, wells, guest units).

5. Cinch Home Warranty

Best for: Built-in perks and manageable claims Cinch stands out for offering “no home inspection required” and a 180-day workmanship guarantee (longer than most).

• Pros: Includes free annual HVAC tune-up and fridge temperature check; appliance recall coverage; claims can be filed 24/7.
• Cons: Service fee can be higher depending on plan; not all states have full coverage.
• Plans:
  • Appliances Plan
  • Systems Plan
  • Complete Plan
  • Optional add-ons (pool, septic, well)
• Who it’s for: Homeowners who value preventive maintenance perks and a strong workmanship guarantee.

6. Select Home Warranty

Best for: Simple, low-cost plans Select Home Warranty is a favorite for older homes because they don’t require an inspection for coverage, and pricing is among the lowest in the industry.

• Pros: Very affordable; free roof coverage on the basic plan; no age restriction on appliances.
• Cons: Limited plan customization; fewer premium add-ons; some customers report slower response times.
• Plans:
  • Gold (major systems)
  • Platinum (systems + appliances)
  • Bronze (appliances only)
• Who it’s for: First-time homebuyers or budget-conscious homeowners.

7. First American Home Warranty

Best for: Long-standing reputation and bundle discounts First American (not to be confused with the title company) has been around for over 35 years and offers discounts for multi-year terms.

• Pros: Low service fees; no home inspection required; discounts if you buy 2–3 years upfront.
• Cons: Coverage caps are lower on some items (e.g., $1,500 for HVAC repairs); customer service can be inconsistent.
• Plans:
  • Basic Systems Plan
  • Premier Plan (systems + appliances)
  • Optional add-ons
• Who it’s for: Homeowners who want a well-known company with lower annual costs.

Quick Comparison Table