Best Home Warranty Companies in Florida (2024)

Monthly Cost: $14–$79

Service Fee: $100–$125

Workmanship Guarantee: 30 days

• Covers $5,000 for HVAC systems, an essential for Florida’s hot summers
• Offers discounts for heating and cooling tune-ups and air filters 
• Includes roof-leak protection in its highest-tier plan

Keep in Mind

• Has negative reviews that mention low claim payouts
• Offers fewer add-ons and plan options than other companies, limiting customization

We recommend American Home Shield as the best home warranty company in Florida because it offers some of the most valuable benefits for local homeowners. It has an HVAC coverage limit of $5,000, which is the maximum your home warranty provider will pay for a given item in a year. Because AHS’s HVAC coverage cap is twice the industry standard of $2,500, you’re less likely to hit this limit and have to pay out of pocket. The company also offers discounts on tune-ups and filter replacements, which will help keep your system running smoothly and reduce the likelihood of a breakdown in the first place. Few other companies offer discounts for general upkeep, which can be really helpful for Florida’s intense summers and humidity.

While American Home Shield offers some of the best HVAC coverage on this list, its plan variety could be better. The company doesn’t have an appliance-only plan, so it’s not a good fit if you’re only interested in appliance coverage. AHS is also one of the most expensive providers on this list, with its higher-tier plan costing $79 per month compared to an average of $43–$72. However, when requesting quotes for Florida, we found that its lowest-tier plan was only $14 per month. This plan covers major home systems such as cooling, heating, and plumbing but not appliances like cooktops or refrigerators.

Monthly Cost: $42–$82

Service Fee: $75–$125

Workmanship Guarantee: 30 days 

• Has unlimited coverage for HVAC and plumbing systems
• Covers up to $7,000 for appliances in its top plan, over three times the industry standard
• Offers a free upgrade that covers improperly installed or damaged items

Keep in Mind

• Doesn’t have appliance- or system-only plans
• Costs more than any other provider on this list

First American Home Warranty (FAHW) is a great option for Floridians thanks to its unlimited coverage caps for HVAC systems and appliances. If you have a larger home or a higher-end HVAC system, an unlimited coverage cap will keep you from paying out of pocket in the event of a breakdown.

FAHW’s free First American Advantage upgrade is great for older homes or those with damaged items. This add-on covers items damaged from poor upkeep or faulty installation, which is rare in the home warranty industry. However, a rep confirmed to us that this does not extend to damage from Florida’s climate or hurricanes. Like most home warranty companies, FAHW doesn’t cover natural disasters or damage from environmental conditions.

First American Home Warranty doesn’t offer any system- or appliance-only plans. If you only want appliances or systems covered and not both, you’re better off going with a different company. Another issue is that the company’s Starter Plan doesn’t cover roof leaks. It’s rare that companies do this, but it’s a valuable item for Floridians due to the state’s intense rainfall. You can buy this coverage as an add-on for an extra $8.33 per month or upgrade to a higher-tier plan.

Monthly Cost: $46–$54

Service Fee: $100

Workmanship Guarantee: 90 days for parts, 60 days for labor

• Provides comprehensive coverage at moderate prices
• Guarantees follow-up repairs if issues aren’t fixed within 90 days, while most companies only do this within 30 days
• Has coverage limits of $3,000 for most items, $500 more than the industry average

Keep in Mind

• Doesn’t cover essential items in its basic plan
• Is facing a lawsuit filed by the Arizona Attorney General’s Office

We recommend Choice Home Warranty to Florida homeowners because it provides good coverage at a reasonable price. Choice’s most expensive plan is only $54 per month, making it pretty affordable for the level of coverage it provides. It has coverage limits of $3,000 for most of its covered items like HVAC and plumbing systems, which is $500 more than the industry standard. It also offers 11 add-ons you can tack onto your base plan for more coverage, including septic tank pumping and well and sump pumps. The only other company on this list that offers the same value is AHS’s lowest-tier plan at $14 per month.

A drawback of Our biggest concern with Choice is that it doesn’t cover major home systems and appliances in its Basic Plan. Some items that aren’t covered include air conditioning, refrigerators, and laundry appliances. Since these items aren’t sold as add-ons, you’ll need to pay an extra $9 per month for its higher-tier plan if you want them covered.

Another issue is that it’s facing a lawsuit filed by the Arizona Attorney General’s Office. The suit claims that Choice Home Warranty denies claims in bad faith. We contacted Choice about the lawsuit, and a representative stated that while they could not comment on pending litigation, the company “is committed to providing best-in-class service to every customer.”

Monthly Cost: $40–$60

Service Fee: $70

Workmanship Guarantee: 90 days

• Has a unique plan system that allows homeowners to fully customize their coverage 
• Guarantees follow-up repairs if issues persist within 90 days
• Has more add-ons than most companies

Keep in Mind

• Doesn’t extend workmanship guarantee to repair people not within its network
• Limits coverage to $15,000 total per year, increasing the chance you’ll have to pay out of pocket

Elite Home Warranty is a good choice for Florida homeowners who want a fully customized plan. While most companies offer a small selection of pre-built plans, Elite allows you to design your own. When signing up, you pick from a range of items including refrigerators, cooktops, and electrical systems. You can also choose from Elite’s catalog of 27 add-ons, including pool, spa, and sump pumps. Because other providers bundle coverage, you sometimes end up paying for coverage you don’t really need, but not with Elite.

We do have two problems with Elite: its workmanship guarantee and aggregate coverage caps. Though Elite has a generous 90-day workmanship guarantee that means repairs will be scheduled for free if any issues persist after the initial visit, this only extends to technicians within the company’s network. This means that if you choose a repair person you like who isn’t in Elite’s network, you’ll have to pay out of pocket for further repairs if something goes wrong.

Elite also has a $15,000 annual claim limit across all items. So, if you need multiple expensive repairs in a year and hit the cap, you’ll have to pay for repairs out of pocket until your plan renews. Though this isn’t unheard of in the home warranty industry, it’s not super common either. If you’re worried about covering multiple repairs, we recommend choosing a different company.

Monthly Cost: $49–$59

Service Fee: $65–$125

Workmanship Guarantee: 60 days

• Has a 24/7 live chat, which can be helpful for emergency repairs
• Includes a 60-day workmanship guarantee, double the industry average
• Has over 40 add-ons, the largest catalog in this article

Keep in Mind

• Doesn’t reveal its service call fee rates until after signup
• Has low plumbing and electrical coverage caps of $500

We recommend Liberty Home Guard (LHG) due to its impressive add-on catalog of 42 items. This large selection means you can get coverage for all the items you need without having to upgrade to a more expensive plan. LHG’s add-ons include items that most Floridians would find helpful, such as two AC units, roof leaks, and sump pumps.

The two areas where Liberty Home Guard could improve are its service call fee policy and coverage caps for some systems. A service call fee is the payment you make when a repair person comes to your home. Home warranty companies usually let you pick from a few service call fees, with higher fees resulting in lower premiums and vice versa. However, LHG doesn’t let you choose your fee; instead, it assigns one after you sign up. However, LHG’s fees range from $65–$125, which is in line with the industry standard.

We don’t like that LHG only offers a $500 coverage cap for plumbing and electrical systems, which is $2,000 below the industry standard. This means you’re more likely to have to pay out of pocket if you experience an issue with one of these systems.