Craig Smith
Primary Editor
Today’s Top Home Warranties Companies - February 2026
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Protect your home with a leading home warranty from one of America’s most reliable options.
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Choice Home Warranty (CHW) is a well-known provider in the home warranty market, offering affordable and comprehensive plans to help homeowners manage repair costs for home systems and appliances. Established in 2008, Choice Home Warranty serves over 1.6 million homes across the United States and has processed more than 5 million service requests. Here’s an in-depth review of CHW’s offerings, customer experiences, and overall value.
Offers two main plans: Basic and Total coverage
Provides 24/7 customer service with online claims submission
Covers home systems and appliances, including HVAC and electrical
Known for fast, efficient repair and replacement services
American Home Shield (AHS) is one of the largest and most recognized home warranty providers in the United States. Established in 1971, AHS offers comprehensive home warranty plans to help homeowners manage the costs of repairs and replacements of home systems and appliances. Here’s an in-depth look at AHS’s offerings, customer experiences, and overall value.
Offers three plans with coverage for home systems and appliances
Provides an optional add-on coverage for pools and spas
Known for nationwide service with over 40 years of experience
Covers pre-existing conditions after 30 days of coverage
First Premier Home Warranty (FPHW) is a relatively new entrant in the home warranty market, established in 2020. Despite its brief tenure, the company has garnered attention for its affordability and straightforward plans. Here’s a comprehensive review based on recent data and customer feedback.
Offers two comprehensive plans with optional add-ons
Provides a 90-day repair guarantee on covered items
Operates nationwide, offering services across most of the U.S.
Charges a service call fee for each claim
First American Home Warranty (FAHW) is a well-established provider in the home warranty market, offering a range of plans designed to protect homeowners from unexpected repair costs. Founded in 1984, FAHW has built a strong reputation for comprehensive coverage and customer service. Here’s an in-depth look at FAHW’s offerings, customer experiences, and overall value.
Provides coverage for home systems and appliances
Offers plans tailored for homebuyers and sellers
Partners with a network of pre-screened contractors
Offers a 30-day satisfaction guarantee for new customers
8,700+ Consumers
Have researched these providers in the past 30 days
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Featured brands are considered and selected based on the following:
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2026’s top choice for Home Warranties
Offers three plans with coverage for home systems and appliances
Provides an optional add-on coverage for pools and spas
Known for nationwide service with over 40 years of experience
Covers pre-existing conditions after 30 days of coverage
9.7
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- A+ Rating with BBB and 10K+ five-star reviews
- Lower monthly payments by 30% or more
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- Personalized payoff terms of 24 to 60 months
FAQs
1. What is a home warranty?
A home warranty is a service contract that covers the repair or replacement of home systems and appliances that break down due to normal wear and tear. It’s not the same as homeowners insurance, which covers damage from specific events like fires or storms.
2. What does a home warranty typically cover?
Home warranties usually cover major home systems such as plumbing, electrical, and heating, as well as appliances like refrigerators, dishwashers, and ovens. Coverage varies depending on the plan you choose.
3. How is a home warranty different from homeowners insurance?
Homeowners insurance covers damage from external events like fire, theft, or natural disasters. A home warranty, on the other hand, covers mechanical failures and breakdowns of systems and appliances due to everyday use.
4. How long does a home warranty last?
Most home warranties last for one year, with the option to renew annually. Some companies also offer multi-year plans.
5. Can I choose my own repair technician?
In most cases, home warranty companies require you to use their network of approved contractors. Some plans may allow you to use your own contractor, but this is less common.
How It Works
Select a Home Warranty Plan: Choose a plan that fits your needs, considering which systems and appliances you want covered. Plans typically range from basic coverage (appliances only) to comprehensive plans that cover all major systems and appliances.
File a Claim: When a covered item breaks down, contact your home warranty provider to file a claim. This can often be done online or via a customer service phone line.
Service Request: The warranty company will arrange for a technician to visit your home and diagnose the issue. The technician is typically dispatched from the company’s approved network of service providers.
Repair or Replacement: After diagnosing the problem, the technician will repair or replace the broken item, based on the terms of your warranty. You may have to pay a service call fee, similar to a deductible, for each repair visit.
Resolution: Once the repair is complete, the warranty company covers the cost, minus your service call fee. If the item needs to be replaced and is covered under the warranty, they will provide a replacement or offer a cash payout.
What to Expect
Service Call Fees: Each time you request service, you’ll likely have to pay a service call fee, usually between $50 and $150. This is similar to a deductible in insurance.
Limited Coverage: While home warranties cover many major appliances and systems, not everything in your home will be covered. Exclusions often include pre-existing conditions, neglect, or improper maintenance.
Quick Repairs: For covered items, repairs are typically scheduled and completed relatively quickly since warranty companies work with a network of technicians.
Renewal Options: Home warranties are typically renewable on an annual basis. You’ll have the option to renew your contract and can also upgrade or adjust coverage as needed.
What Is Covered
Major Systems: Home warranties cover essential systems such as plumbing, electrical, heating, air conditioning, and sometimes ductwork.
Appliances: Coverage for appliances typically includes refrigerators, dishwashers, ovens, washers, dryers, and garbage disposals.
HVAC Systems: Heating, ventilation, and air conditioning (HVAC) systems are usually covered for repair or replacement under comprehensive plans.
Water Heaters and Plumbing Fixtures: Most plans cover water heaters, plumbing pipes, toilets, and showers.
Electrical Systems: Electrical components like wiring, panels, and breakers are generally covered under most home warranty plans.
