Living in a property without a home warranty can be a huge financial mistake. Repairing or replacing major home appliances and systems is expensive. A home warranty is beneficial as it covers the cost of repairs and replacement in exchange for a monthly or annual premium. The best warranty providers offer flexible plans, high coverage limits, and reasonable premiums, among other things. Check out our top picks for the best providers.

America’s 1st Choice Home Club
America’s 1st Choice Home Club (AFC Home Club) is known for offering a range of coverage options. It offers four different plans, out of which, one covers only home systems (Systems Plan), while the other covers only home appliances (Silver Plan). The other two plans — Gold Plan and Platinum Plan — cover different home appliances and systems. One of the biggest draws of AFC is its extremely long guarantee on repairs, which lasts for the life of the plan (maximum three years.) In addition, members get to choose their own technician, have 24/7 access to the provider’s in-house service team, and get discounts on home security, restaurants, shopping, kitchen appliances, and more.

American Home Shield
With over 50 years of experience in the home warranty industry and more than two million members, American Home Shield is one the oldest and most trusted names. It helps cut the cost of repairing or replacing up to 23 appliances and systems through its three flexible plans. The company’s  ShieldPlatinum™ plan is the most comprehensive. It includes coverage for roof leak repairs, free HVAC tune-up, and coverage for code violations and permits, in addition to various systems and appliances. All plans can be customized to include coverage for pool or spa, septic pump, well pump, and guest unit up to 750 sq. ft.

First American Home Warranty
It has been around since 1984 and has served more than 625,000 homeowners to date. The provider offers two home warranty plans: Basic and Premier. The Basic plan covers essential appliances like refrigerators, washers, dryers, ovens, and cooktops. The Premier plan is comprehensive and includes various appliances and major home systems, including plumbing, heating, and electrical systems. Many homeowners choose First American Home Warranty for its affordable Basic plan with an optional First-Class Upgrade, which protects items that were improperly maintained, modified, or installed. It is available in only about 35 states in the country.

Cinch Home Services
Founded in 1978, Cinch Home Services features some of the most extensive home warranty coverage plans at affordable prices. The company offers three plans: one for systems; another for appliances; and a complete home warranty plan, which covers repairs and replacement services for both. This provider too has an impressively extensive labor guarantee of 180 days. Moreover, Cinch Home Services is one of the only providers that offers coverage for parts like knobs, drawers, and doors. Customers also get a free water sensor to help detect leaks, and a $25 credit to use toward filters for the A/C unit or refrigerator.

Liberty Home Guard
Liberty Home Guard is a relatively new in the industry. But it has managed to become quickly popular, thanks to excellent ratings and reviews. To cater to all types of homeowners, the company offers three different plans: Appliance Guard, Systems Guard, and Total Home Guard. Liberty Home Guard stands out with its large selection of optional add-ons, which provides coverage for everything from pool and spa to second refrigerator to lawn sprinkler system and even pest control. With 24/7 availability online and on call, the provider also makes it easier for members to submit claims.