Top 10 home warranty companies of 2026: 400+ data points analyzed
- USA TODAY analyzed over 20 providers to identify the top 10 home warranty companies for 2026.
- The best companies balance affordability, reliable service and comprehensive coverage for home systems and appliances.
- Super Home Warranty was named best overall, while other companies were recognized for high coverage caps, budget-friendliness and contractor flexibility.
Finding the right home warranty can feel overwhelming, but it doesn’t have to be. With a home warranty, you don't have to worry because your most important systems and appliances are covered should they break down because of normal wear and tear.
But with so many home warranty providers, it's hard to find one you can trust. To help you cut through the noise, the USA TODAY team analyzed more than 20 leading providers by comparing plans, pricing, customer satisfaction and other factors.
After careful review, we’ve narrowed the list to the top 10 home warranty companies that deliver the best value and peace of mind in 2026.
Top 10 best home warranty companies in 2026
The USA TODAY team did the research and found that these companies are the best home warranty providers that you can count on.
- Super Home Warranty: Best overall
- American Home Shield: Best for high coverage caps
- 2-10 Home Buyers Warranty: Best for kitchen appliance coverage
- Cinch Home Services: Best for long workmanship guarantee
- HomeSafe: Best for comprehensive protection
- HomeServe: Best for à la carte home warranties
- Old Republic Home Warranty: Best for customer satisfaction
- Americas Preferred Home Warranty: Best for contractor flexibility
- First Premier Home Warranty: Best for budget-friendly coverage
- Complete Protection Home Warranty: Best for no service fees
Why trust USA TODAY
The team at USA TODAY personally reviews the home warranty companies we consider for our best lists in 2026, and we reward companies for offering services that are unique to the industry. Our team uses an in-house methodology to rank each home warranty provider.
We gather real quotes, read through service contracts and contact customer service representatives to understand fully what each company has to offer. Our combined experience spans over 25 years of journalistic rigor.
Honorable mentions
Not every home warranty provider can make our list of the top 10, but some narrowly missed the mark. These three companies also offer reputable home warranty coverage.
Liberty Home Guard: Best for customization
- Cost: $55-$65/month
- Service fee: $70
- Coverage cap: $2,000 per system and appliance
Liberty Home Guard: Liberty Home Guard is well known for its extensive selection of add-on items, 43 to be exact. The company's base home warranty plans are affordable at $55 to $65 per month, and add-ons are often between $3 and $8 each.
We also like Liberty Home Guard for its luxury appliance coverage, something that is not covered by most other home warranty companies. You can add high-end kitchen appliances as an add-on, which ensures you get better coverage and approved claims for them.
Select Home Warranty: Best for affordable home warranties
- Cost: $44-$47/month
- Service fee: $100
- Coverage cap: $3,000 per system; $500 per appliance
Select Home Warranty: Select Home Warranty has cheap plans that are less than $50 per month, making them ideal for someone who wants to try out a home warranty plan for the first time.
Select is especially good for homeowners who have not had a home warranty before and want to try one out. The plans cover every major home system and appliance, plus come with free limited roof coverage.
Best home warranty companies of 2026
The best home warranty companies are affordable, offer coverage for all major home systems and appliances and have high enough coverage caps to cover the entire repair or replacement.
Super Home Warranty: Best overall
Super home warranty plans- Cost: $52-$116/month
- Service fee: $75
- Coverage cap: Unlimited systems; $10,000 appliances
Despite its higher monthly cost, Super Home Warranty came in as 2026's best home warranty provider. The cost of its most comprehensive plan starts upwards of $116 per month, but you get what you pay for: It includes 26 covered home systems and appliances, and unlimited coverage limits for systems.
The $75 service fee matches the industry average, so you won't need to worry about overpaying for each claim. This fee also gets you quick service, as most Super Home Warranty claims are processed within 24 hours of filing.
| Pros | Cons |
|---|---|
| High coverage caps | Expensive base plans |
| Positive customer reviews | Limited availability |
| 23 add-ons available | Technician quality varies by region |
What we like about Super Home Warranty
We rarely see such high coverage caps for a home warranty company, meaning you won't have to pay out of pocket for covered repairs. Super Home Warranty also has plans for every budget, meaning you can find a home warranty plan that aligns with industry average.
Need to customize your plan to include smart home devices or a second refrigerator? Super allows you to add up to 23 additional items so that you can customize your home warranty plan with the coverage you really need. The add-ons are also affordable, with most starting at $5 per month.
The It's Covered upgrade is an add-on that we don't see from any other provider. With this addition, you get coverage for commonly excluded items, like structural modifications, permits and codes, and equipment disposal.
What we don't like about Super Home Warranty
As with all national home warranty providers, the quality of service will vary by location. Some Super Home Warranty customers report dissatisfaction with their technician, while most others report a successful claim and seamless repair.
Who should buy a Super Home Warranty plan?
If you have expensive systems or appliances, Super Home Warranty is for you. Most home warranty providers choose a comparable model for replacements, and Super's high coverage caps will match it.
American Home Shield: Best for high coverage caps
- Cost: $50-$100 per month
- Service fee: $100 or $125
- Coverage cap: Up to $5,000 per system; up to $4,000 per appliance
American Home Shield (AHS) has long been a reputable name in the home warranty industry, and millions of homeowners trust this provider with their home protection. AHS has high coverage limits for every home system and appliance, plus an annual limit of $50,000, meaning you likely won't have to worry about meeting your limit should you need expensive repairs or a full replacement.
The downside of American Home Shield is the price. While you do get to choose your service fee, your options are expensive at either $100 or $125 per plan. Coverage starts at $50 per month, but the most extensive coverage, Shield Platinum, costs $100 (or more if you want a lower service fee).
| Pros | Cons |
|---|---|
| $50,000 annual coverage limit | High service fee |
| Covers unknown preexisting conditions | High cost for most comprehensive plan |
| Includes extras like HVAC tune-ups and $1,000 in roof repair |
What we like about American Home Shield
If you have the budget, American Home Shield's ShieldPlatinum plan is as comprehensive as it gets. You get full coverage for both home systems and appliances, plus a bunch of extra benefits, like HVAC tune-ups and coverage for code violations, permits and modifications.
The unlimited air conditioning refrigerant is also a plus, as most other providers charge extra for that service.
What we don't like about American Home Shiled
AHS has higher service fees than its competitors, so you'll pay more per claim. The industry average is $75, but the lowest American Home Shield offers is $100. American Home Shield also costs more than the average, so it may not be the best option for homeowners on a strict budget.
Who should buy American Home Shield?
If you want a well-known name in the home warranty industry, American Home Shiled is it. This provider has been in the industry for more than 50 years and maintains a strong presence.
HomeSafe: Best for comprehensive protection
- Cost: $69-$79 per month
- Service fee: $65
- Coverage cap: Up to $5,000 for systems; up to $2,000 for appliances
HomeSafe's monthly premiums are on the higher side, especially for their most basic coverage. Yet, these higher monthly rates give way to a low $65 service fee and high coverage caps for systems. Together, these features make a HomeSafe warranty worthwhile.
Unlike most home warranty companies that offer basic add-ons like well pumps and second refrigerators, HomeSafe offers more unique add-on coverage for guest homes, in-law suites and wine cellars.
| Pros | Cons |
|---|---|
| Low $65 service call fee | Higher monthly fees |
| Positive customer reviews | Fewer add-on options than some competitors |
| Generous coverage caps |
What we like about HomeSafe
Home warranty companies are notorious for negative customer reviews, and it's not uncommon to see 1- and 2-star ratings. Not HomeSafe; this company's reviews are much more positive, with 4.3 stars on Trustpilot and 4.4 on Consumer Affairs.
What we don't like about HomeSafe
Although not the most expensive home warranty company, HomeSafe's basic plans start at higher price points than many competitors. The average cost of a home warranty is $43, but HomeSafe's plans begin at $69 per month.
Who should buy HomeSafe?
If you don't want to pay much out of pocket when you need repairs, then HomeSafe is a great option. Nearly all home warranty companies require you pay a service call fee to have a technician come to your home, but HomeSafe's fee is cheaper than most.
2-10 Home Buyers Warranty: Best for kitchen appliance coverage
2-10 Home Buyer's Warranty plans- Cost: $32-$42 per month
- Service fee: $65-$100
- Coverage cap: Up to $2,000 per system or appliance
For homeowners with newer HVAC systems, a plan that includes only the most critical kitchen appliances is ideal because they don't need to overpay for systems they don't need. Plus, low monthly rates and the option to choose a less expensive $65 service fee make the 2-10 Home Buyers Warranty a good choice for homeowners on a budget.
However, 2-10 Home Buyers Warranty has lower coverage caps than many of its competitors. Depending on the item, you only get $500 to $2,000 worth of home warranty coverage. In some cases, this amount is enough to offset replacement costs. But for larger systems like your air conditioning or furnace, this may only cover a portion of the repair.
| Pros | Cons |
|---|---|
| Long plan-length workmanship guarantee | Lower coverage caps than some competitors |
| Kitchen appliance-only plan | Mixed customer reviews |
| Coverage for duplicate appliances | Laundry appliances not included |
What we like about 2-10 Home Buyers Warranty
2-10 Home Buyer's Warranty gives you the option to choose your service call fee. You can either pay less per month for a higher call fee, or more per month for a lower one. This option allows you to tailor your plan to the number of repairs you expect you'll need during your contract.
If you anticipate needing more repairs, choose a lower service fee. If you think you'll only use your warranty once or twice, then a lower monthly rate and higher service call fee will save you more money in the long run.
What we don't like about 2-10 Home Buyers Warranty
Pretty much every other home warranty company includes laundry washers and dryers in their base plans. If you want these crucial home appliances included in your home warranty plan, you'll need to purchase a more expensive tier from 2-10.
Who should buy a 2-10 Home Buyer's Warranty?
If you don't have in-home laundry, then a 2-10 Home Buyer's warranty can be an inexpensive way to get your home appliances covered for repairs. Homeowners who have a stricter budget will also like how affordable a 2-10 home warranty is.
Cinch Home Services: Best for long workmanship guarantee
Cinch Home Services warranty plans- Cost: $22-$59 per month
- Service fee: $150
- Coverage cap: $10,000 aggregate for systems; $2,000 per appliance
With plans starting at $22 per month and coverage that even includes unknown preexisting conditions, Cinch Home Services is ideal for homeowners looking for affordable yet comprehensive plans. The company also has a long 180-day workmanship guarantee, meaning any repair completed under your plan is covered for six months. This extended guarantee ensures the job is done right the first time and reduces the stress of repeat issues.
While Cinch’s $10,000 aggregate coverage limit may be lower than some competitors, it’s more than enough for homeowners who don’t anticipate frequent or high-cost repairs. Combined with flexible plan options and solid customer support, Cinch is a reliable choice for anyone seeking affordable home warranties without sacrificing quality.
| Pros | Cons |
|---|---|
| Long 180-day workmanship guarantee | Expensive $150 service fee |
| Covers unknown preexisting conditions | Mixed customer reviews |
| Affordable monthly rates |
What we like about Cinch Home Services
Cinch Home Service home warranties are incredibly affordable, starting as low as $22 per month. If you aren't sure you want a home warranty or think it might not be worth it, Cinch is a great company to start with since the price is so low.
What we don't like about Cinch Home Services
Cinch's service call fee is about as expensive as they come. At double the industry average, the $150 you have to pay for every new claim is steep.
Who should buy Cinch Home Services?
If you're buying a new house and don't know the state of its systems and appliances, a warranty plan with Cinch Home Services is a good deal. Even if the issue began before your warranty coverage is active, you can still get repair coverage. This is not something we see with most other home warranty providers.
HomeServe: Best for à la carte home warranties
HomeServe home warranty plans- Cost: $5-$38/month
- Service fee: $0
- Coverage cap: $1,750 for systems; $1,000 for appliances
HomeServe is for homeowners who want flexibility without paying for unnecessary coverage. Its à la carte approach allows you to pick and choose from more than 18 coverage options, making it easy to tailor a plan to your home’s unique needs. With monthly costs starting under $6 and no service fee, HomeServe is one of the most budget-friendly options available.
| Pros | Cons |
|---|---|
| 18+ coverage options to build a custom plan | Lower coverage caps than competitors |
| Affordable options that start as low as $5.99/month | Coverage availability varies by location, which can limit choices in some areas |
| $0 service fee |
What we like about HomeServe
HomeServe is a unique home warranty provider, and fits the needs of homeowners who need different kinds of coverage. Instead of the offering two or three plans, you get to build a plan based on the coverage you need. That makes it
What we don't like about HomeServe
The trade-off for affordability and customization is lower coverage caps. HomeServe only allows up to $1,750 for systems and $1,000 for appliances, which may not be enough for major repairs in your area. Plus, if you need comprehensive protection, you'll have to buy multiple add-ons that quickly increase overall costs.
Who should buy HomeServe?
If you have a mix of newer and old systems and appliances, HomeServe is perfect because you can pick and choose your coverage. You won't have to pay for a service you won't use.
Old Republic Home Warranty: Best for customer satisfaction
Old Republic Home Warranty plans- Cost: $60-$80 per month
- Service fee: $100
- Coverage cap: Up to $3,500 for systems; up to $6,500 for appliances
Old Republic Home Warranty offers dependable service, high coverage limits and more than 50 years of industry experience. Home warranty companies often see mixed reviews, but Old Republic has generally high customer satisfaction, due in part to its quick, responsive claims handling.
Yet, the higher service fee, higher monthly costs and limited plan flexibility may be drawbacks for budget-conscious homeowners.
| Pros | Cons |
|---|---|
| High coverage limits for appliances | Higher service fee than some competitors |
| Decades of experience in the industry | Limited availability in some regions |
| Strong reputation for customer satisfaction | Fewer budget-friendly plan options |
What we like about Old Republic Home Warranty
Homeowners with Old Republic Home Warranty plans report higher satisfaction and more reliable service than we see with competitors. In an industry regularly criticized for poor service, choosing a provider known for quality service is a must.
What we don't like about Old Republic Home Warranty
Old Republic's service call fee is high compared to other providers, meaning you'll pay more each time you file a new claim. The service fee is offset by more affordable plan options, but even those are higher than other home warranty companies on our list.
Who should buy Old Republic Home Warranty?
If you live in one of the southern states that Old Republic is available in, like California, Florida, Arizona and Texas, then they are a great option for your home warranty needs.
Americas Preferred Home Warranty: Best for contractor flexibility
America's Preferred Home Warranty plans- Cost: $45-$75 per month
- Service fee: $100
- Coverage cap: Up to $2,250 per system; up to $1,000 per appliance
If you want to have full control over who works on your home, America's Preferred Home Warranty is the provider for you. Unlike many providers that automatically assign contractors, this company lets you choose your own technician. Plans are competitively priced, starting at $45 per month, and coverage includes essential systems and appliances.
| Pros | Cons |
|---|---|
| Option to choose your own service technician | Lower coverage cap for appliances |
| Positive customer reviews | Higher service fee compared to some competitors |
| Budget-friendly plan options |
What we like about Americas Preferred Home Warranty
Americas Preferred Home Warranty plans are affordable, even with the $100 service fee. We also like that you can choose your own service technician, meaning you can use your favorite handyman.
What we don't like about Americas Preferred Home Warranty
America's Preferred Home Warrany has lower coverage cap for appliances (up to $1,000) and a $100 service fee, which may feel steep compared to competitors with fees as low as $65 per claim.
Who should buy Americas Preferred Home Warranty?
If you have a local service technician that you trust and don't want to be limtied to a home warranty's service network, then Americas Preferred Home Warranty is a good option for you.
First Premier Home Warranty: Best for budget-friendly coverage
First Premier Home Warranty plans- Cost: $45-$52 per month
- Service fee: $75
- Coverage cap: Up to $1,500 per system; up to $3,000 per appliance
With monthly costs starting at $45 and a $75 service fee, First Premier Home Warranty is a solid option for budget-conscious buyers. Where most competitors offer three or more plans, First Premier only offers two plans. But the nearly 20 add-on options do allow you to add the customization you need.
| Pros | Cons |
|---|---|
| High coverage limit for appliances | Low coverage cap for systems |
| Competitive monthly costs and service fees | Limited plan flexibility |
| Plethora of add-on options |
What we like about First Premier Home Warranty
A major reason homeowners choose to get a home warranty is to save money on expensive home repairs, so we like it when providers have affordable monthly rates. First Premier's monthly costs are at or below industry average, so it really is a good deal for home system and appliance coverage.
What we don't like about First Premier Home Warranty
First Premier's lower system coverage cap of $1,500 may not be enough for major HVAC or plumbing repairs, so you may end up paying out of pocket if repairs or replacements exceed this limit.
Who should buy First Premier Home Warranty
If you only need home warranty coverage for older appliances, First Premier Home Warranty is a great option, as you get high appliance coverage caps for an affordable monthly price.
Complete Protection Home Warranty: Best for no service fees
Complete Protection Home Warranty plans- Cost: $49-$79
- Service fee: $0
- Coverage cap: Up to $950 for each system; up to $500 for each appliance
Complete Protection Home Warranty offers four plan options with a range of coverage and costs, which make it a good choice for any budget. And with no service fee, you won't have to worry about paying a technician to come to your home when your systems and appliances need repairs.
| Pros | Cons |
|---|---|
| No service fee | Low coverage caps |
| Four plan options with 20 core appliances and systems | Limited add-on options |
| Positive customer reviews |
What we like about Complete Protection Home Warranty
The obvious benefit you get with a home warranty from Complete Protection Home Warranty is the $0 service fee. This freebie is not something we see with any other top home warranty company, so it really sets Complete Protection apart from the rest.
What we don't like about Complete Protection Home Warranty
The trade-off for no service fees is lower coverage caps of $950 per system and $500 per appliance. This amount is rarely enough to cover extensive repairs, let alone a full replacement. Other home warranty providers cover up to $3,000 or more per home appliance of system.
Who should buy Complete Protection Home Warranty?
If you don't want to pay a dime to have a home service technician, Complete Protection Home Warranty is the provider for you. You may get less coverage but simple fixes won't cost you any more than your monthly rate.
How to choose a home warranty
Every home is different, which is why no single home warranty plan is best for all homeowners. As you research home warranty providers, keep the following in mind:
- Watch cost. Choose a base plan that fits your budget and only opt for add-ons that you need. This will keep monthly costs down.
- Pay attention to core coverage. Base plans often cover your main home systems and appliances, but they may come with exclusions that make it hard to get coverage.
- Look at coverage caps. If the coverage cap is too low, you'll be stuck paying the difference. Home warranty companies that have high coverage limits are more likely to cover the entire cost of repairs and replacements.
- Service fees matter. If your monthly home warranty cost is low but you have to pay $150 every time you make a claim, you might not be saving as much money as you think. Look for home warranty companies that have service call fees that are less than $100 for the best deal.
"Red flags range from overly broad exclusions and caps that are too low to be practical, to slow response periods and fine print that appears primarily designed to shift costs back onto the homeowner," says Seann Malloy, the founder and managing partner of Malloy Law Offices. If you notice any of these red flags in your search, then it's best to choose a different home warranty provider.
To make sure you know exactly what you're getting into, "Read coverage limits line by line and ask how often claims are denied and for what reason," Malloy adds. And remember: "A home warranty is best employed as a budgeting tool, not an overall promise of repairing or replacing all your out-of-service appliances and systems. It's best to approach the service with realistic expectations instead of promised savings."
How much do home warranties cost in 2026?
The average home warranty costs between $40 and $50 per month for systems or appliance coverage, but combination plans that cover both systems and appliances are typically $60 per month or more.
Want a home warranty but have a strict budget? These affordable home warranties might be the answer.
How we rank home warranty companies
To generate our list of the top 10 best home warranty companies, the USA TODAY team reviewed 21 home warranty providers, 20 of which met the criteria to be considered for our best list. We use our in-house methodology to rank each company, which consists of five overarching categories and 19 individual factors.
About the author
Alora Bopray is an editor and writer who has covered the home services industry for nearly a decade. She is an avid DIYer who uses her own successes (and mistakes) to educate homeowners on how to take better care of their homes. Categories covered by this author include home warranty, gutter guards, pest control, mattresses, roofing, car warranty, home insurance, car insurance, weight loss and hair loss.
Frequently asked questions (FAQ)
What is the best home warranty to get?
According to our rankings, Super Home Warranty is the best home warranty. But providers like American Home Shield, Liberty Home Guard and First American Home Warranty are also reputable options.
Is there a better home warranty than American Home Shield?
American Home Shield is an excellent home warranty if you want high coverage caps and comprehensive home warranty coverage, but it can be pricey. Home warranty companies like Select Home Warranty and Liberty Home Guard are more affordable options.
Are home warranties worth paying for?
Home warranties can be worth paying for, especially if you own or are buying an older home with aging systems and appliances. If you don't have an emergency fund and want peace of mind, then a home warranty can be worth it.
What do home warranties cover?
Home warranties cover home systems and major appliances. Most plans offer coverage for HVAC systems, electrical systems, plumbing systems, kitchen appliances and laundry appliances.
What don’t home warranties cover?
Home warranties don't typically cover damage from natural disasters, cosmetic damage, preexisting conditions and damage due to improper maintenance.
(This story was updated to add new information)
Our editors independently choose our recommendations. Some content is produced with paid support from a third party, however our editorial decisions remain independent. If you buy through our links, the USA TODAY Network may earn a commission. Prices and availability may change.