If you live in Florida and want extra protection for your home systems and appliances, consider investing in a home warranty. In this article, we’ll discuss the top five home warranty companies in Florida and help you pick a home protection plan that gives you peace of mind.
A Florida home warranty can protect residents from paying expensive repair and replacement costs if a major home system or appliance breaks down due to normal wear and tear. Not to mention, having a home warranty plan can help expedite necessary repairs or replacements and prevent people from spending hours looking for a local, trusted contractor.
To make your warranty search easy, the This Old House Reviews Team has done the work for you. In this review, we’ll discuss the best home warranty companies in Florida and help you find the right home appliance insurance plan for your home.
Florida’s Top 4 Home Warranty Companies
The highest rated home warranty companies in Florida include:
- American Home Shield (AHS): Best Overall
- Choice Home Warranty: Best Service
- Select Home Warranty: Lowest Deductible
- First American Home Warranty: Best Value
Our team took plan options, pricing, coverage, customer reviews, claims processes, and a variety of other factors into account when determining the best home warranty providers in Florida. Here are our top four picks.
1. American Home Shield
American Home Shield (AHS) is the best home warranty provider for Florida homeowners. AHS covers a variety of systems and appliances in your home and has three plan options to choose from: ShieldPlatinum™, ShieldGold™, and ShieldSilver™. These plans are all available for one-year timeframes.
Plan Prices
In general, AHS plans cost between $48 and $50 per month. The company also has three service fees to choose from: $75, $100, and $125. If you choose a higher service fee, you’ll likely receive a lower premium.
Here are some other benefits of American Home Shield:
- Has been around for more than 45 years and is a veteran in the home warranty industry
- Provides generous coverage caps on systems and appliances
- Offers 24/7 customer service
- Covers 49 states, excluding Alaska
- Has a 30-day workmanship guarantee
2. Choice Home Warranty
If you have an older home, consider signing up for a Choice Home Warranty (CHW) plan. Appliances and systems tend to break down more often in older homes, and CHW is ideal for those who may have to make claims more frequently.
Choice Home Warranty offers two plan options—a Basic Plan and a Total Plan. The Basic Plan covers systems and appliances like your plumbing, water heater, electrical system, and dishwasher. The Total Plan offers complete-home coverage and protects important items like your air conditioning, refrigerator, clothes washer, and clothes dryer.
CHW also provides coverage for additional options such as your pool, spa, well pump, roof leaks, septic system, central vacuum, and second refrigerator.
Here are plan prices for a single-family home less than 5,000 square feet in Miami, Florida:
Plan Prices
Note: Homeowners are required to pay a $60–$85 trade service call fee per claim in addition to their plan’s annual cost, no matter what the actual cost of the repair or replacement for the covered item.
Here are some additional benefits of Choice Home Warranty:
- Won awards from Best Company, Angie’s List, Consumer Affairs, and Trustpilot in the 11 years they’ve been in business
- Provides 24/7 customer service
- Doesn’t require a home inspection before coverage starts
3. Select Home Warranty
If you’re on a budget, Select Home Warranty may be a good choice. Select has been in business for seven years and offers three plan options: Bronze Care, Gold Care, and Platinum Care.
Gold Care covers home systems like cooling and ductwork, Bronze Care covers appliances like your garbage disposal and built-in microwave, and Platinum Care covers all major home systems and appliances. Select also offers optional coverage for items such as your pool or lawn sprinkler system.
Compare Select Home Warranty plan prices below:
Plan Prices
For each claim, you will be required to pay a $75 service fee.
Here are some additional benefits of Select Home Warranty:
- Provides free roof leak coverage and optional septic system coverage
- Covers rental properties, mobile homes, manufactured homes, and condos
- Offers two extra months free of coverage when you sign up today
4. First American Home Warranty
First American Home Warranty (FAHW) provides some of the most affordable plans in the industry. It provides two plans—a Basic Plan and a Premier Plan—at an average cost of $28–$43 per month.
The Basic Plan covers home appliances while the Premier Plan covers all major home systems and appliances. Other optional add-ons include additional refrigeration, central air conditioning, pool and spa equipment, and a well pump.
What makes First American stand out is its First Class Upgrade which covers improperly installed, modified, or maintained appliances.
Here are the prices for First American Home Warranty plans:
Plan Prices
All plans have a $75 service call fee, payable online or to the technician at the initiation of a claim.
Here are some additional benefits of First American Home Warranty:
- Offers flexible payment options for customers
- Has a risk-free, 30-day, money-back guarantee
- Has a claims department open 24 hours a day, seven days a week
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