Home Warranty Company Reviews
Trustpilot: 3.9/5 | BBB: B | Founded: 1971. The industry leader by coverage breadth — no other company matches its HVAC coverage (no caps, no age limits). The BBB rating reflects volume of complaints inherent to the largest company in the space — complaint rate relative to customer base is average. Customer praise focuses on comprehensive coverage and fast HVAC service. Some complaints about claim denials on older plumbing — review exclusions carefully.
Trustpilot: 4.4/5 | BBB: B | Founded: 2008. Consistently praised for responsive customer service and straightforward claim process. Flat pricing structure ($46–$55/month) makes budgeting simple. Service fee of $85 is below industry average. Some complaints about HVAC caps being lower than replacement cost — be aware of the $3,000 per-system limit.
Trustpilot: 3.8/5 | BBB: B+ | Founded: 2012. Best monthly premiums in the market — consistently 20–30% cheaper than American Home Shield for comparable coverage. Trade-offs: smaller contractor network, lower per-item caps, and longer average claim response times. Best for homeowners in major metro areas where contractor density is high.
Trustpilot: 3.7/5 | BBB: B | Founded: 1984. Strong reputation in California and western states — particularly for claim handling and contractor quality in those markets. Per-item caps are lower than AHS. Real estate agent relationships give it strong presence in home sale transactions. Consider if buying or selling a home in California or Arizona.
Frequently Asked Questions
American Home Shield has the most consistent coverage reliability — particularly for HVAC where their unlimited coverage stands apart. For overall customer satisfaction post-claim, Choice Home Warranty consistently scores highest in independent surveys. Reliability varies by local contractor availability — in some markets, smaller regional companies outperform national brands.
Most negative reviews come from claim denials — the #1 source of customer dissatisfaction. Companies deny claims for: pre-existing conditions, lack of maintenance records, improper prior repairs, or items excluded in the fine print. Reading the exclusions before purchasing and maintaining documentation of appliance service history significantly reduces denial risk.