Best Home Warranty Companies in Florida 2024

Homes in Florida can put up with a lot of wear and tear, so the best home warranties offer high coverage limits, especially for air conditioning systems, and pricing flexibility. We compared hundreds of quotes across the state and read through service agreements to find the best home warranty companies in Florida. So pop up a beach chair, settle your toes in the sand and take a look at our picks in The Sunshine State.

How we chose the best home warranty companies in Florida

Although most homeowners want coverage for similar items, each state brings with it a unique set of factors that can make some home warranty plans more relevant than others. Here are a few factors that we considered when choosing which home warranty companies are the best for Floridians.

Liberty Home Guard beats out the competition in customer satisfaction with a 4.7 rating on Trustpilot and a 4.42 rating with the Better Business Bureau. Customers commonly comment on the company’s helpful customer service and how knowledgeable the contractors are.

What we like about Liberty Home Guard

Liberty Home Guard has three plans that offer systems-only, appliance-only and comprehensive coverage. We especially like that its appliance-only plan checks all the boxes for appliances we think should be covered, including refrigerators and ceiling and exhaust fans. The company also guarantees its repairs for 60 days, which is longer than the more common 30-day guarantee.

What we don’t like about Liberty Home Guard

Liberty Home guard doesn’t cover air conditioning systems in every plan, so you’ll have to purchase a systems-only or comprehensive plan for it to pay for repairs to your AC system. Although it has competitive premiums, the company told us it charges customers between $70 and $125 for each service call (but it didn’t clarify what determines the exact service call price). We also wish its coverage limits were better; Liberty Home Guard pays only $500 each for electrical and plumbing repairs — and only $250 toward those repairs if you file a claim in the first 90 days of your contract.

Read our full review of Liberty Home Guard.

Many home warranty companies limit how much they’ll pay toward repairs, but First American Home Warranty doesn’t cap its repairs for HVAC, electrical and plumbing issues. It also pays between $3,500 and $7,000 for appliance repairs, depending on the plan you choose.

What we like about First American Home Warranty

In addition to its high coverage limits, First American has two service options — $100 and $125 — so you can choose how much you pay every time a repair person comes to your house. It also offers three comprehensive plans for a variety of coverage options.

What we don’t like about First American Home Warranty

All three of its plans are comprehensive, so you can’t cover only appliances or only systems; you’ll have to pay for a more expensive plan if items you want to cover aren’t in the cheaper options. First American also doesn’t cover air conditioning systems in its cheapest plan. The company only guarantees repairs for 30 days and has mixed ratings on Trustpilot and Better Business Bureau.

See our full review of First American Home Warranty.

Many home service companies offer service fee options to let customers choose how much they pay when a repair technician visits their homes; however, 2-10 Home Buyers’s service fees are cheaper than many of its competitors’ fees. Customers can choose the standard service fee of $85, go with a lower fee of $65 (and a higher monthly premium) or pay a higher fee of $100 (and get a lower monthly premium).

What we like about 2-10 Home Buyers Home Warranty

In addition to flexible service fees, 2-10 Home Buyers has competitive monthly premiums that make it a good option for homeowners who are on a monthly budget. The company also guarantees its repairs for the life of the service agreement, so you don’t have to worry about paying another service fee if a repair fails before your contract expires. It also has decent coverage limits at $2,000 each for air conditioning, heating, plumbing and electrical systems.

What we don’t like about 2-10 Home Buyers Home Warranty

The company’s cheapest plan only covers kitchen appliances, so you’ll have to purchase a more expensive plan to cover air conditioning repairs. Additionally, 2-10 Home Buyers’s appliance-only plan covers fewer items than comparative plans with its competitors, and its customer satisfaction scores are mixed, with 1.31 on Better Business Bureau and 3.9 on Trustpilot.

Read our full review of 2-10 Home Buyers Home Warranty.

AFC takes top prize for repair guarantees because customers only pay a service fee for a repair once. Many companies warranty their repairs for 30 or 60 days, but AFC Home Warranty guarantees that their repairs will fix a problem for the life of your contract (one to three years, depending on your plan). In other words, if AFC pays for a repair and the same problem happens again during your coverage, you don’t pay a service fee for the technician to return and fix it again.

What we like about AFC Home Warranty

AFC has four plans with three service fee options to give customers flexibility in their payments, and the company doesn’t cap its coverage for HVAC repairs for plans that cover the systems.

What we don’t like about AFC Home Warranty

Although AFC has service fee options of $75, $100 and $125, the last of which is on the expensive side when compared with competitors. Its cheapest plan doesn’t cover air conditioning systems, and its coverage limits for electrical and plumbing systems is only $500 each, and the company has relatively low customer satisfaction scores on Better Business Bureau and Trustpilot.

Cinch Home Services pays up to $10,000 for all repairs rather than limiting each type of repair individually. This allows customers to get more coverage for higher-cost repairs that would likely be limited with many competitors’ coverage limits. For example, if your air conditioning system needed a repair that cost $4,000, Cinch might pay the full amount if it approves the repair; another home warranty company with an HVAC coverage limit of $3,000 would require you to pay the remaining $1,000 even if it approved the repair. However, the $10,000 limit is for aggregate claims, which means Cinch will not pay for anything after it’s covered $10,000 in repairs, regardless of what type of repairs it’s paid for.

What we like about Cinch Home Services

With three plans and three service fee options ($100, $125 and $150), customers can choose from a variety of coverage with flexibility in their monthly premiums. Cinch Home Services also has a 180-day repair guarantee, which is higher than many of its competitors’ guarantees.

What we don’t like about Cinch Home Services

All three of the company’s service fees are higher than many of its competitors’ service fees, and its aggregate limit is lower than the aggregate limit for some of its competitors that have individual repair limits. (For example, 2-10 Home Buyers has an aggregate limit of $25,000 but caps how much it pays toward certain types of repairs.) Cinch also has a mix of customer satisfaction scores, ranging from 1.12 with Better Business Bureau to 3.9 with Trustpilot.

Read our full review of Cinch Home Services.

We think these companies are good options for Florida homeowners, but they didn’t win our categories this year.

Choice Home Warranty

Choice Home Warranty offers coverage for a good list of items in the cheapest of its two plans, but you’ll have to buy the more expensive plan to cover air conditioning system repairs. The company charges $100 per service call and guarantees its repairs for 30 days. Choice’s coverage limits are competitive at $3,000 each for plumbing, electrical, heating and air conditioning repairs, but it has a mixed set of customer satisfaction ratings.

Read our full review of Choice Home Warranty.

Home Warranty of America

Home Warranty of America has two plans with service fees of $75 and up. Its cheapest plan doesn’t include coverage for air conditioning systems but has decent coverage for other items. The company’s coverage limits are $5,000 each for air conditioning, heating, plumbing and electrical systems, but it caps its aggregate coverage at $15,000. It has mixed customer satisfaction scores and guarantees its repairs for 30 days.

Other home warranty companies we considered

These companies also provide home warranty plans in Florida but didn’t make our list this year.

• Select Home Warranty

• Home Service Club

How much does a home warranty cost in Florida?

Our research shows that the average cost in Florida for a home warranty is $56.83 per month plus service fees. When comparing home warranty costs in Florida, we requested quotes from ten zip codes across six cities for the companies we considered for this review. We compared over 375 quotes for home warranty coverage in Florida. Here are the highlights of what we found:

• Average cost for a home warranty in Florida: $56.83 per month.

• Cheapest quote: $30.99 per month.

• Most expensive quote: $113.92 per month.

• Average cost of cheapest plan: $47.01 per month.

• Average cost of highest plan: $69.76 per month.

• Median cost of cheapest plan: $49.58 per month.

• Median cost of highest plan: $62.38 per month.

Buy a home warranty in Florida

The best home warranty for Florida homeowners depends on several factors. Most homeowners need to consider their budgets, which items they want covered, how much they can afford in service fees for each technician visit and what coverage limits they’re comfortable with.

You pay a monthly premium and a service fee. You'll pay a premium every month but only a service fee when a technician visits your home. Not all companies charge service fees in Florida, but they can be as high as $150 per service call.

Home warranties don't cover every repair. Similar to how homeowners insurance excludes certain repairs, homeowners warranties don't pay to fix everything. Your service contract should clearly outline what isn't covered by your plan, and some companies might have coverage specific to Florida.

Most home warranty plans typically cover appliances and systems. Comprehensive coverage usually covers a mix of certain appliances and major systems, but which items are covered vary by plan. Some companies offer appliance-only and systems-only plans for more limited but specific coverage.

Home warranties usually don’t cover natural disaster damage in Florida. It’s uncommon for home warranty companies to repair covered items that experience weather-related damage, such as appliances affected by floods. This is usually covered by homeowners insurance and clearly stated in home warranty agreements as an exclusion.

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