Independent · Updated January 2026
We read the contracts, called the claim lines and priced every plan so you don't have to. Compare the six leading home warranty companies side by side — ratings, grades and what's actually covered.
Ranked by our editorial scoring across coverage, claims speed, service and reliability.
9.8/10
(4,218 reviews)
Senior & Military Discounts Available
9.4/10
(3,106 reviews)
9.1/10
(5,872 reviews)
8.8/10
(1,974 reviews)
8.6/10
(2,431 reviews)
8.3/10
(1,587 reviews)
Editor's Choice
9.8/10
(4,218 reviews)
Senior & Military Discounts Available
Four criteria, weighted the way homeowners actually experience a warranty.
We read every sample contract and count what is actually covered — plus the exclusions buried in the fine print.
We track how long it takes from filing a claim to a licensed technician standing at the door.
Hold times, whether support is U.S.-based, and how clearly reps explain what a plan will and won't pay for.
Monthly premium plus service fees and caps, because the cheapest premium is not always the cheapest repair.
“Compared six companies here in one sitting and picked one that covers my whole home. When my furnace went out, having it handled through one plan saved me a huge repair bill.”
Dennis R. — Ohio
A home warranty is an annual service contract that helps pay to repair or replace major home systems and appliances when they break down from normal use. You pay a monthly or annual premium, then a flat service fee each time a technician comes out. It is a service contract, not an insurance policy.