Short Answer
Compare home warranty companies based on coverage options, coverage limits, service fees, exclusions, and customer reviews. Look at what systems and appliances are covered under each plan, the annual and per-claim coverage limits, the service call fee, and the claims process. Read reviews from multiple sources, including the Better Business Bureau. Get quotes from at least three companies and compare the details carefully before choosing.
Home warranty companies vary significantly in coverage, pricing, and service quality. When comparing companies, start by looking at the plans they offer. Some companies have multiple tiers of coverage, from basic appliance coverage to comprehensive system and appliance coverage. Check the coverage limits. Most policies have an annual coverage cap and per-item limits. For example, a policy might cover up to $3,000 total per year with a $500 limit per appliance. Service call fees range from $75 to $125 and apply each time a technician is dispatched. Some companies allow you to choose your service fee, with higher fees resulting in lower premiums. Read the exclusions carefully. Some policies exclude pre-existing conditions, improper installations, or systems that are not up to code. Check customer reviews on Google, Yelp, and the Better Business Bureau. Look for patterns in complaints about claim denials, slow service, and difficulty reaching customer support. Ask your real estate agent for recommendations based on their experience with warranty companies.
Bob's Advice
Redfin Senior Agent · AI Certified Agent
Not all home warranty companies are created equal. I have seen some companies provide excellent service and pay claims without hassle, and I have seen others deny claims for questionable reasons. I can share my experience with different warranty companies and recommend ones that have a good reputation for paying claims and providing timely service. If you are considering a home warranty, let us talk through the options and choose a company that will actually be there when you need them.
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