American Home Shield is our pick for the best home warranty company in Florida. The company offers rare coverage for preexisting conditions, a benefit if you have older or damaged systems or appliances. Choice Home Warranty is another strong option, providing combined system and appliance coverage for under $70 per month.
Florida’s humidity, rain, and heat can take a toll on your roof and air conditioning (AC) system over time. A home warranty helps reduce out-of-pocket repair costs and keeps your home running smoothly year-round. Read our full breakdown of Florida’s best home warranty options below to find the right coverage for your home.
Key Takeaways
- We chose American Home Shield as the best Florida home warranty provider, reflecting the 49% of Florida residents who selected the company in our 2025 nationwide survey.
- A Florida home warranty costs $39–$77 per month or $454–$906 per year on average.
- Among Florida homeowners we surveyed, air conditioning was the most commonly protected item, with 59% of state respondents opting for coverage on this essential system.
Top Home Warranty Companies in Florida
After evaluating 13 leading home warranty providers, we chose the following companies for Florida homeowners:
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Comparing Top Providers
When looking at the best home warranty providers in Florida, we focused on the features that matter most to homeowners in the state. Key considerations included national average monthly plan costs, Better Business Bureau (BBB) ratings, and service call fees, which you pay for each repair visit. The table below compares our top picks based on these key factors.
| Provider | Our Score | Monthly Plan Cost | Service Call Fee | BBB Rating |
|---|---|---|---|---|
$36–$100 | $100–$125 | B | ||
$60–$68 | $100 | B | ||
$45–$60 | $70 ($150 for after hours and weekends) | B | ||
$77–$130 | $100–$125 | B | ||
$44–$82 | $75–$125 | B |
Our Reviews of Top Providers in Florida
When scoring home warranty companies in Florida, we looked at features that matter most based on the climate. Coverage for air conditioning and electrical systems is especially important in the state’s hot, humid weather, where long heat waves and frequent storms can wear down major systems. We also considered providers that include roof-leak coverage, since heavy rain is common across the state, especially during hurricane season.
American Home Shield
Coverage Overview
- Bundles free roof-leak protection with its highest-tier plan, ShieldPlatinum
- Covers HVAC systems with a $5,000 cap, offering more coverage for expensive repairs
- Includes coverage for preexisting conditions and damaged items, which is a rare benefit in the industry
Keep in Mind
- Charges slightly higher rates for its comprehensive plans than some providers we’ve reviewed
- Offers the smallest add-on catalog in this review
Our Review
American Home Shield (AHS) is a good option for Florida homeowners who want solid protection for their home systems and major appliances. The company offers a $5,000 annual limit for HVAC system coverage, which is higher than the typical $2,500 cap from many competitors. With those higher limits, you’ll likely pay less out of pocket if your air conditioning needs major repairs. The company also covers undetectable preexisting conditions and offers discounts on HVAC tune-ups and filter replacements to help prevent future breakdowns.
However, American Home Shield has fewer add-ons than some other companies we’ve reviewed, with just six options available. That means there’s less flexibility if you want to customize your plan to match your home’s specific features. The company’s comprehensive plans, including systems and appliances, also come at a higher price point. If keeping costs low is a priority, First American or Choice Home Warranty may offer more affordable options with similar coverage.
Plan Details and Cost
Below is an overview of American Home Shield’s plan options in Florida:
- ShieldSilver ($18 per month): This system-only plan includes 14 items, including plumbing, electrical, and water heaters.
- ShieldGold ($28 per month): A mid-tier plan that includes protection for 14 systems and nine home appliances, such as refrigerators, ovens, clothes washers and dryers.
- ShieldPlatinum ($85 per month): The company’s top plan tier includes ShieldGold coverage plus added perks, including free roof-leak coverage and a free HVAC tune-up.
We reviewed an American Home Shield sample contract and found that appliances come with a $2,000 coverage limit under the ShieldSilver and ShieldGold plans. This limit increases to $4,000 with ShieldPlatinum, while system coverage limits remain the same across all plans. You can select either a $100 or $125 service call fee with your plan. Choosing the lower fee will raise your monthly cost, while the higher fee lowers it.
American Home Shield offers six add-ons, fewer than the industry average range of 8–12 options. Add-on pricing and coverage vary by item, with monthly costs ranging from $3–$24 and limits ranging from $500–$3,000. The company does offer $1,000 in roof leak coverage, however, which is higher than many other providers we’ve reviewed.
Below is a sample of available add-ons with American Home Shield:
- Guest unit
- Pool and built-in spa equipment
- Roof-leak repair
- Septic pump
- Well pump
Choice Home Warranty
Coverage Overview
- Covers repairs with a 90-day guarantee on parts and 60 days on labor
- Includes a $3,000 coverage cap for systems and appliances
- Offers one of the lowest cost comprehensive plans in this review
Keep in Mind
- Doesn’t cover some key items under its lowest tier plan
- Only offers one service call fee option, which limits pricing customization
Our Review
If you’re a Florida homeowner looking for an affordable home warranty plan that still offers solid coverage, Choice Home Warranty is a good option. The company offers plans with a $3,000 coverage cap for systems and appliances for under $70 a month, which is competitive based on our review in the state. It also includes a 90-day parts guarantee and a 60-day labor guarantee, so you’re covered if a repair fails again. This is especially helpful for major systems like air conditioning, which could need follow-up work due to strain in Florida’s climate.
However, the company’s Basic Plan doesn’t include essential items like refrigerators, laundry appliances, or air conditioners. You’ll need to upgrade to the Total Plan for about $9 more per month to get coverage for those items. Also, Choice is facing a lawsuit from the Arizona Attorney General’s Office over deceptive practices claims. We recommend doing your research before signing up with any home warranty provider.
Plan Details and Cost
We’ve detailed Choice Home Warranty’s available plans in Florida below:
- Basic Plan ($59 per month): The plan includes eight major systems and six home appliances, such as dishwashers, heating systems, and ovens.
- Total Plan ($67 per month): The highest plan tier covers nine appliances and nine systems, including air conditioners, clothes washers and dryers, and refrigerators.
When we reviewed Choice Home Warranty’s sample contract, we saw the company excludes pre-existing conditions from coverage. While this is standard for most providers, it means Florida homeowners with items already showing signs of wear or damage won’t receive coverage for related repairs. Choice charges a flat $100 service call fee, and unlike some competitors, doesn’t let you adjust your rate to lower your overall monthly plan cost.
Choice offers 10 add-on options, which falls within the typical range for home warranty providers we’ve reviewed. Add-on prices range from $3–$15 per month, with coverage limits between $250 and $500. The company includes $500 in roof-leak protection, which falls below American Home Shield’s coverage.
We’ve highlighted some add-on options offered by Choice Home Warranty below:
- Central vacuum
- Limited roof leak
- Pools
- Second refrigerator
- Septic system
Elite Home Warranty
Coverage Overview
- Includes a 90-day workmanship guarantee for repairs
- Offers the largest add-on catalog in this review for more coverage customization
- Provides an option to build your own plan from scratch
Keep in Mind
- Charges a higher service call fee for weekend and after-hours service
- Imposes a $15,000 aggregate or overall limit for claim payouts per year
Our Review
Unlike many providers that only offer preset plans, Elite Home Warranty also allows you to fully customize your coverage. The company has three standard plans available or the option to customize your own. With 30 add-on options available, including extended sewer line protection, HVAC maintenance, and increased coverage limits, you can tailor a plan to match your home and budget.
While the company charges a $70 service call fee for most repairs, the rate increases to $150 for after-hours, weekend, or high-end appliance service. That higher fee can add up if you need multiple repairs outside regular business hours. Elite’s plans also have an overall $15,000 annual claim cap and individual item limits. For example, if your refrigerator repair costs $1,500, it counts toward both the item’s limit and your total plan cap for appliances.
Plan Details and Cost
Here’s an overview of Elite Home Warranty’s plan options in Florida:
- Elite Appliances ($45 per month): The lowest-tier plan offers appliance coverage for 10 items, including built-in microwaves, cooktops, and refrigerators.
- Elite Systems ($50 per month): A system-only plan that includes eight major systems, such as heating, electrical, and plumbing systems.
- Elite Complete ($60 per month): This top plan tier combines the coverage of Elite Applications and Elite Systems.
We reviewed an Elite Home Warranty contract to understand its item coverage in Florida. The company sets different coverage limits depending on the item, ranging from $500–$3,000 for appliances and $750 –$4,000 for systems. We also found the higher $150 service call fee applies to certain add-ons, including pools, well pumps, and sump pumps.
Elite stood out among Florida providers for offering the most extensive add-on catalog in our review, with 30 options available. Like its standard plan coverage, limits for add-ons vary by item, ranging from $500–$7,000. Since Elite doesn’t list add-on pricing online, we recommend requesting a sample quote to get the full details.
Below is a list of a few available add-on options with Elite:
- Central vacuum
- HVAC annual maintenance
- Lawn sprinkler system
- Septic system
- Wine cooler
First American Home Warranty
Coverage Overview
- Doesn’t set coverage limits for HVAC and plumbing systems
- Protects items damaged by improper installation and modifications
- Provides up to $7,000 in appliance coverage under its highest plan
Keep in Mind
- Doesn’t offer appliance-only or system-only plan options
- Excludes coverage for some essential systems and appliances from its lowest plan tier
Our Review
For Floridians with high-end appliances, consider First American Home Warranty for your home protection. The company offers up to $7,000 in appliance coverage—the highest amount in this review. Plus, First American doesn’t cap coverage limits for most systems, including your home’s heating, cooling, and plumbing. This means you won’t have to worry about hitting a coverage limit if a major breakdown occurs, a benefit for Florida homeowners with large homes or complex HVAC systems. The First American Advantage upgrade is also a unique perk that covers items damaged due to poor installation or faulty modifications. Companies typically exclude these conditions from home warranty coverage.
However, if you’re only looking to cover appliances or systems, note that First American doesn’t offer separate plans for those options. Additionally, its Starter Plan doesn’t cover air conditioning, water heaters, or laundry appliances. You can add AC coverage as an add-on, but you’ll need to upgrade to a higher-tier plan for water heater and laundry appliance protection.
Plan Details and Cost
Here are First American Home Warranty’s plans:
- Starter Plan ($66 per month): The lowest comprehensive plan that includes eight appliances and four systems, such as ductwork, kitchen refrigerators, and ranges.
- Essential Plan ($88 per month): A mid-level plan that covers 11 appliances and six systems, including heating systems, laundry appliances, and water heaters.
- Premium Plan ($118 per month): This comprehensive plan includes 11 appliances and eight systems, adding faucets, instant hot water dispensers, and luxury appliances.
The First American Home Warranty sample contract states that water heaters are the only systems with a coverage cap under the Essential Plan. The Premium Plan removes that cap and offers unlimited coverage. The highest-tier plan also includes free roof-leak protection. You can adjust your service call fee to $100 or $125, with the higher fee lowering your overall monthly plan cost.
The company offers 12 add-on options, priced between $2 and $21 per month, slightly lower than other providers in this review. Coverage limits for these add-ons range from $500–$2,500. You can add the First American Advantage at no cost, but only with the Essential and Premium plans. Here’s a list of some of the company’s add-ons:
- Additional refrigeration (for up to three appliances)
- HVAC tune-up
- Limited roof leak
- Pool and spa equipment (for up to two pools or spas)
- Water softener
AFC Home Warranty
Coverage Overview
- Allows you to choose your own service technician, unlike most other companies
- Includes an unlimited workmanship guarantee on repairs
- Doesn’t set a coverage limit for certain systems, including your HVAC
Keep in Mind
- Issues reduced payouts for items five years and older
- Requires claims submission within 24 hours of noticing an issue
Our Review
AFC Home Warranty lets you choose your preferred technician for repairs, a rare perk that many providers only allow when an in-network contractor isn’t available. Choosing your own local provider lets you work with someone you know and trust, offering peace of mind during repairs. AFC Home Warranty also backs its repairs with an unlimited workmanship guarantee for as long as your plan is active.
However, AFC Home Warranty has a depreciation policy that can impact coverage for items older than five years. This can potentially reduce payouts for repairs on older systems and appliances, such as a six-year-old clothes washer. You also must submit claims within 24 hours of discovering an issue, which is a potential challenge if you’re juggling multiple repairs or need extra time to address the problem.
Plan Details and Cost
AFC Home Warranty offers the following plan options for Florida homeowners:
- Silver Plan (call for a quote): This plan provides appliance-only coverage for nine items, including clothes washer, dryers, and garage door openers.
- Gold Plan ($44 per month): A combination plan that covers nine appliances and six home systems, such as your HVAC, electrical, and plumbing.
- Platinum Plan ($51 per month): This plan expands coverage to 19 items, adding protection for faucets, built-in microwaves, and fans.
- Diamond Plan ($82 per month): The company’s highest plan tier includes Platinum Plan coverage plus electronics, exterior sewer lines, and exterior water lines.
We reviewed an AFC Home Warranty sample contract and found that some systems, like your plumbing, have lower coverage limits ranging from $150–$500. Appliance coverage varies, with caps between $150 and $3,000 depending on the item. Service call fees fall between $75 and $125. A lower service fee may save you money on individual repairs, while a higher fee can help reduce your overall monthly premium.
You can choose from eight add-ons typically offered by home warranty providers. However, AFC Home Warranty lists add-on prices annually rather than monthly. Costs range from $25–$150 annually, with coverage limits between $150 and $500. Although roof leak coverage is included with all plans at no extra cost, the company caps this benefit at $250 per year, the lowest limit among our Florida picks.
We’ve highlighted some add-on options available with AFC Home Warranty below:
- Electronics
- In-ground spa
- Roof-leak coverage
- Septic system
- Standalone freezer
Our Experience Filing Claims
To give homeowners a better understanding of what to expect from our top Florida providers, a home warranty tester from our team submitted a claim with AFC Home Warranty. Here’s a recap of her experience.
Testing AFC Home Warranty
Our AFC Home Warranty tester filed a claim online for a constantly running toilet, saying it was quick and easy and only took about five minutes. The online portal was simple to use, but the company issued frequent and sometimes conflicting text messages that made communication a bit frustrating. AFC did a good job finding a contractor in her rural area, though the first repair didn’t fully fix the problem. A second visit was needed, but the next contractor arrived promptly, fixed the issue, and there were no additional out-of-pocket costs. Despite the hiccup, our tester was pleased with the overall process.
Home Warranty Costs in Florida
Home warranty costs in Florida typically range from $39–$77 per month or $454–$906 per year. This is slightly below the average cost of a home warranty, which falls between $47 and $82 per month or $564–$984 annually. Service call fees usually range from $65–$125 per visit, which is also important to consider when comparing plans. To get the best value, choose a plan that fits your coverage needs and keeps service fees manageable, especially if you expect to use your warranty frequently.
Compare the cost of our top-rated home warranty companies in Florida below. Note that your total cost will depend on factors such as your location, the plan you select, and any additional coverage you buy.
| Provider | Monthly Cost | Service Fee |
|---|---|---|
| American Home Shield | $18–$85 | $100–$125 |
| Choice Home Warranty | $59–$67 | $100 |
| Elite Home Warranty | $45–$60 | $70 |
| First American Home Warranty | $66–$118 | $100–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
How We Determined Home Warranty Pricing
We collected nearly 4,000 quotes from 13 home warranty providers across all 50 U.S. states to estimate coverage costs in Florida and nationwide. We used sample addresses for single-family homes both above and below 4,000 square feet to calculate average prices. In Florida, we requested quotes for homes in Orlando, Steinhatchee, Tallahassee, and Winter Garden to reflect both urban and rural areas. We also averaged the costs for plans in each state to determine a national price range.
Survey Insights from Florida Homeowners
For our 2025 home warranty survey, we polled 2,000 homeowners nationwide to gain insight into their decision-making process and experiences with service providers. In Florida, 53% of homeowners said they purchased a home warranty to protect older systems and appliances. This matches the fact that 61% of Sunshine State respondents reported living in pre-owned homes, with 33% saying their homes are 20 years or older. We also found that 74% of Florida homeowners chose combination coverage to protect both systems and appliances.
Air conditioning ranked as the top system to cover in Florida, with 59% of respondents including this protection in their plan. This reflects the state’s hot, humid climate and the constant demand placed on cooling systems. For appliances, 39% of state respondents prioritized refrigerators, followed by 34% who selected water heaters. This suggests that these two appliances see heavy use throughout the year in Florida.
Many homeowners in the state also expanded their plans with optional coverage. Roof leak protection was the most popular add-on among 41% of respondents, followed by additional appliance coverage (34%) and added system protection (30%). These choices reflect concerns about Florida’s frequent storms, high humidity, and year-round system use.
Florida homeowners reported positive experiences with their providers. Eighty-eight percent have claims approved, and 46% of home warranty owners resolved the issue with a repair. Another 29% of homeowners received a replacement. Overall, 85% of Florida respondents were satisfied with the outcome of their claims, and 69% plan to renew their home warranty policy when their current term ends.
How We Collected Our Survey Data
In 2025, we surveyed 2,000 homeowners across the country to learn more about their experiences with home warranties. We asked about their satisfaction with coverage, reasons for buying a plan, and interactions with customer service and the claims process. The survey also examined pricing, available add-ons, and whether homeowners planned to renew their coverage.
Advice From Homeowners
Keeping your HVAC system in top shape is important for Florida homeowners, especially with the state’s summer heat. Daniel V., a homeowner living in Kissimmee, Florida, experienced an AC breakdown when a clogged exhaust pipe caused the coils to freeze. Without a home warranty, Daniel was lucky to have an AC repair technician nearby, and the repair cost him just $150. However, he acknowledges that with a bit of preventive maintenance, he could have avoided the problem entirely.
Daniel recommends “flushing the pipe regularly” as an important step in AC maintenance. This involves using distilled vinegar to clean out your system’s exhaust pipe. In Florida’s humid climate, cleaning the exhaust pipe every month can help avoid clogs and keep your system running smoothly.
If you’re considering a home warranty, it’s important to remember that most providers require regular maintenance to qualify for system repairs. Some companies, such as American Home Shield, even offer discounts on HVAC tune-ups and air filter replacements, making staying on top of your system’s care easier and more cost-effective.
Expert Insights About the Best Home Warranty in Florida
How can a home warranty benefit homeowners?
What should you consider when selecting a home warranty?
What special considerations exist for Florida homeowners?
FAQs About Home Warranties in Florida
What are the top-rated home warranty companies in Florida?
Based on our research, we choose American Home Shield, Choice Home Warranty, and Elite Home Warranty as some of the top-rated providers in the state. We also recommend First American Home Warranty and AFC Home Warranty for Florida residents.
Who should buy a Florida home warranty?
Florida homeowners with aging systems and appliances, first-time buyers, or those with busy lifestyles could benefit from a home warranty. A plan can provide peace of mind by covering unexpected repair costs, especially for those with older homes or busy households.
What does a home warranty cover in Florida?
Home warranties in Florida typically cover repairs and replacements of major home systems such as air conditioning and plumbing, as well as appliances such as refrigerators and cooktops, if breakdowns occur from normal wear and tear.
How We Evaluated Home Warranty Providers
We back up our Florida home warranty recommendations with thorough research to provide the most relevant advice for homeowners in the state. Our process includes speaking with home warranty industry experts, requesting sample quotes, and reviewing sample contracts for each provider. We also contact customer support teams, analyze company websites, and read customer reviews from third-party websites such as the BBB and Trustpilot. To gain a full customer experience understanding, we have purchased home warranty plans with 11 providers to evaluate coverage, claims processes, and overall reliability firsthand.
We then score each provider against our detailed rating methodology on six rating factors, giving each one a final 5-star score.
Here’s a breakdown of how we reviewed Florida home warranty providers:
- Coverage: Florida’s humid climate and heavy rainfall can strain air conditioning and other systems and cause issues over time such as roof leaks, making comprehensive coverage important. Providers offering plans with high coverage caps for these critical systems and major appliances, including optional roof leak repair, scored higher in our review. Companies that exclude essential covered items or impose low coverage limits didn’t make our list.
- Cost: Florida homeowners can benefit from options for affordable plans that offer good value for money. Providers with a range of plan pricing, reasonable service fees, and flexible payment options ranked higher on our list. Home warranty companies that charge high monthly fees in Florida or excessive surcharges were not considered.
- Trustworthiness: Trust is essential for Florida homeowners, who have to rely on providers to keep promises regarding home warranty services. We assessed BBB ratings, customer reviews, and workmanship guarantees as part of our review. Providers excelling in these areas earned higher scores.
- Plan Transparency: It’s important that companies provide clear, detailed contracts so homeowners know exactly what is and is not covered, especially for customers with unique needs. Home warranty providers that clearly disclosed service call fees, exclusions, and coverage caps in their contracts and online tools received higher ratings. Those with vague or confusing policies were rated lower.
- Customer Support: Accessible, responsive customer support is important for Florida homeowners, particularly in emergencies. Providers offering 24/7 claims support, multiple communication channels (phone, chat, and a mobile app), and quick response times were rated higher. Companies with limited support hours or slow response times were rated lower.
- Flexibility: Flexibility allows Florida homeowners to customize their coverage to suit their specific needs, whether with additional coverage or choosing a service technician. Providers offering multiple plan options, add-ons such as pool coverage, and the ability to choose service call fees or technicians received higher ratings. Providers with limited customization options scored lower.
