Compare the Best Home Warranty Companies of 2026
Protect your home and budget. Compare coverage, service fees, and reviews side-by-side to find the perfect plan.
Your home is likely your biggest investment, but unexpected breakdowns of major systems and appliances can drain your emergency fund in seconds. Whether you’re looking for comprehensive HVAC coverage, roof leak protection, or just a simple appliance plan, finding the right provider is crucial.
We have analyzed the top-rated home warranty providers to bring you this interactive comparison tool. Use the filters below to find companies that meet your specific needs—whether you prioritize choosing your own contractor, low service fees, or BBB accreditation.
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About These Filters
BBB Accredited: Company meets BBB standards and pays fees.
Choose Own Contractor: You can hire your own tech.
Transparent Coverage: Clear "if it's on the chart, it's covered" language.
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*Disclaimer: Prices and data are estimates based on public information and may vary. Last Updated: .
How We Ranked These Companies
Transparency is our priority. Our comparison table uses real-time data points to help you make an unbiased decision:
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Service Fees: We compare the lowest deductible options available.
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Customer Satisfaction: Scores are aggregated from Google Reviews, BBB ratings, and industry sentiment.
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Flexibility: We highlight companies that allow you to use your own licensed technician versus those that require you to wait for a network provider.
Frequently Asked Questions (FAQ)
Q: Is a home warranty worth it? A: For many homeowners, a warranty provides peace of mind and budget protection. If you have older appliances or systems (like an aging AC unit) that are out of manufacturer warranty, a home warranty can save you thousands in replacement costs.
Q: What is the difference between a Home Warranty and Home Insurance? A: Home insurance covers catastrophic events like fires, storms, or theft. A home warranty is a service contract that covers the repair or replacement of systems and appliances due to normal wear and tear.
Q: Can I really choose my own contractor? A: Some modern warranty companies (like HomeMembership and AFC Home Club) allow you to hire any licensed local technician. Traditional companies often require you to use their specific network of providers, which can sometimes lead to scheduling delays. Check the “Choose Own Contractor” filter in the tool above to see which plans offer this flexibility.
Q: What does “Service Fee” mean? A: This is the deductible you pay each time a technician visits your home to diagnose or repair an issue. Fees typically range from $60 to $125 depending on the plan you choose.