Best Home Warranty Companies in Georgia 2024

The best home warranty companies for Georgia homeowners offer high coverage limits for more expensive repairs and high customer satisfaction scores. Georgia is known for hot summers, which means homeowners are likely to also need good air conditioning system coverage. To help you find the best options, we compared hundreds of quotes for cities in Georgia and reviewed service agreements to understand available coverage. Here are the best home warranty companies to keep Georgia homes peachy keen.

How we chose the best home warranty companies in Georgia

Although most homeowners will 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 Georgia homeowners.

While many competitors cap how much they’ll pay to repair certain items, First American Home Warranty stands out with its coverage — the company doesn’t limit how much it’ll pay toward plumbing, electrical and HVAC repairs. First American also pays up to $3,500 for appliance repairs ($7,000 for more expensive plans).

What we like about First American Home Warranty

First American has three comprehensive plans, so you can choose what combination of coverage you prefer. The company also lets you choose between $100 and $125 for your service fee; the higher the service fee, the lower your premium.

What we don't like about First American Home Warranty

Customers are limited to comprehensive coverage, so you can’t get a plan for only systems or appliances. Additionally, air conditioning systems aren’t included in First American’s cheapest plan, so you’ll have to pay more for that coverage. The company guarantees its approved repairs for 30 days (among the lowest in the industry) and has a mix of customer experiences on the Better Business Bureau and Trustpilot websites.

Read our full review of First American Home Warranty.

Many home warranty companies not only limit how much they’ll pay for certain repairs but how much they’ll pay for all claims during a service agreement term, known as an aggregate limit. Cinch Home Services doesn’t limit each type of repair, instead only capping coverage at a $10,000 aggregate limit. This means Cinch customers might save more money with a single repair that has a higher cost than those who go with companies that limit individual coverage.

What we like about Cinch Home Services

Cinch gives customers options to fit their budgets, with three service fees ($100, $125 and $150) and three plans to pick from. The company also offers a 180-day guarantee on approved repairs, which is longer than many of its competitors’ guarantees.

What we don't like about Cinch Home Services

Although the company doesn’t limit individual repairs, its aggregate limit is lower than some competitors’ limits. For example, America’s Preferred Home Warranty has an aggregate limit of $25,000 but limits how much it pays toward specific repairs. Cinch’s service fees are also higher than some home warranty companies’ fees. We also don’t like that the company has a mix of customer ratings with Better Business Bureau and Trustpilot.

Read our full review of Cinch Home Services.

Many of 2-10 Home Buyers Warranty’s competitors have flexible service fee options, but 2-10 offers some of the lowest service fees with a good range of choices. Plans have a standard $85 service fee, and customers can participate in the buy-down option, which lets them choose to pay more or less for technician visits and adjust their monthly premiums accordingly. Premiums are higher if they go with the $65 service fee and lower if they go with the $100 service fee.

What we like about 2-10 Home Buyers Warranty

We like that flexible service fees and 2-10 Home Buyers’s competitive monthly premiums give homeowners affordable options for coverage. Its plans have decent coverage limits for plumbing, electrical and HVAC repairs, at $2,000 each. The company also guarantees approved repairs for the term of a customer’s contract, so you don’t have to pay another service fee if a repair fails before your service agreement ends.

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

The company’s cheapest plan (for appliances only) doesn’t cover as many items as some of its competitors’ appliance plans. Additionally, air conditioning repairs aren’t included in the company’s cheapest plan, so you’ll have to pay a higher premium to get coverage for HVAC systems. Finally, 2-10 Home Buyers’s customer satisfaction scores on Better Business Bureau and Trustpilot are a mix of positive and negative experiences.

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

AFC Home Warranty’s repair guarantee is difficult to beat. Many home warranty companies guarantee their repairs for 30 or 60 days, but AFC Home Warranty guarantees its repairs for the life of your contract — one to three years, depending on your agreement — and it won’t charge you a service fee if an approved repair fails during that time. That means you aren’t out any additional money if you experience the same problem again during your coverage.

What we like about AFC Home Warranty

Customers have options when it comes to coverage and cost thanks to AFC’s three service fee options and four plans. AFC also doesn’t limit its coverage on approved repairs for HVAC systems.

What we don't like about AFC Home Warranty

AFC says it has three service fee options ($75, $100 and $125), but the company confirmed that people in some states will only see the $100 service fee option when they request a quote online. Additionally, not all plans are available in every state. Also, AFC doesn’t include HVAC coverage in its cheapest plan, and its coverage limits are on the lower end for electrical and plumbing systems ($500 each). The company has low customer ratings on Trustpilot and Better Business Bureau websites.

American Home Shield is the only company among those we considered that covers air conditioning systems in all of its plans, including its cheapest plan. The company also covers repairs and replacements for air conditioning systems up to $5,000, which is a competitive limit. Coverage includes all parts and components for permanent air conditioning systems that are installed on the main house. Plans cover evaporation coolers, wall units and mini-split systems as well. American Home Shield will also pay for upgrades if they’re needed to maintain compliance or compatibility with existing systems.

What we like about American Home Shield

American Home Shield has two service fee options, and the more expensive service fee comes with a lower monthly premium. So, you can choose how much you pay monthly and each time a repair technician visits your home. The company also has three plans for customers to choose from and competitive coverage limits that include $3,000 each for plumbing and electrical systems. The company covers appliances for $2,000 to $4,000, depending on the plan.

What we don't like about American Home Shield

American Home Shield’s service fees are both on the higher end compared with competitors’ fees, and the company guarantees its repairs for only 30 days. Additionally, the price of American Home Shield’s plans can vary by ZIP code within the same city. For example, the price for the same plan and service fee combination varied as much as $30 per month between ZIP codes in Atlanta. This means customers who live in the same city might pay different rates for the same coverage. The company also has relatively low customer ratings on Trustpilot and Better Business Bureau.

Read our full review of American Home Shield.

Although these home warranty companies didn't make it onto our list for best home warranties for Georgia, they're runners-up and offer decent coverage options.

Old Republic Home Protection

Old Republic Home Protection has high coverage limits that include $6,500 for HVAC repairs, between $3,500 and $7,000 for appliance repairs and no limit on electrical system repairs. It also has good customer satisfaction scores on consumer websites. However, the company’s service fees are on the higher end, and it guarantees its repairs for only 30 days.

Read our full review of Old Republic Home Protection.

Liberty Home Guard

Liberty Home Guard has good customer satisfaction scores online and offers a systems-only, an appliance-only and a comprehensive plan with a 60-day repair guarantee. However, the company's service fees vary from $75 to $125, and it drops coverage for roof leaks, plumbing and electrical repairs from $500 to $250 during the first 90 days of a plan.

Read our full review of Liberty Home Guard.

How much does a home warranty cost in Georgia?

The average cost of a home warranty in Georgia is $63.48 per month plus service fees, according to our research. To compare the costs of home warranty plans in Georgia, we gathered quotes from three cities and compared over 240 quotes for six locations. Here are the highlights of our research:

• Average cost for a home warranty in Georgia: $63.48 per month.

• Cheapest quote: $27.66 per month.

• Most expensive quote: $119.99 per month.

• Average cost of cheapest plan: $40.80 per month.

• Average cost of highest plan: $86.16 per month.

• Median cheapest plan: $ 38.99 per month.

• Median highest plan: $87.00 per month.

Buying a home warranty in Georgia

Here are some key things to know about these products.

The best home warranty for Georgia homeowners depends on several factors. Most homeowners need to pay close attention to their budgets, which items they want to cover, how much they can afford in service fees and the coverage limits they are comfortable having in a plan.

You pay a monthly premium and a service fee. Customers will pay a monthly premium as well as a service fee when a technician visits their homes; these costs can add up if you forget to include the service fees in your budget. Not all companies charge service fees in Georgia, but those that do can charge as much as $150 per service call.

Home warranties don't cover every repair. Home warranty plans are unlikely to cover every repair, similar to how homeowners insurance has certain exclusions. Even items that are covered might not meet the criteria for a home warranty to pay for a repair. Read your service agreement carefully and pay attention to any restrictions that are specific to Georgia homeowners.

Most home warranty plans typically cover appliances and systems. Many comprehensive home warranty plans cover appliances and major home systems, but which items are included varies by plan. Compare your options to determine if you want more specific or more limited coverage.

Home warranties usually don’t cover natural disaster damage in Georgia. Many home warranty companies exclude damage caused by natural disasters, such as appliances affected by floods. These exclusions should be clearly stated in your service agreement. If you need to file a claim for natural disaster-related damage, consider filing with your homeowners insurance instead.

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