Due to the scorching heat throughout the year, your Arizona home’s air conditioning systems work overtime to keep your home comfortable. The last thing you need is an expensive air conditioning breakdown in the middle of a hot spell. With a home warranty, providers cover many repairs that are common for your crucial systems and home appliances.
If you’re looking for the best home warranty companies in Arizona, our team recommends American Home Shield (AHS) or Elite Home Warranty. Both providers offer three plans with options for systems-only coverage and comprehensive home protection. Below, we detail coverage and exclusions for our top four picks to help with your home warranty provider decision.
What You Need to Know
- Our top pick for Arizona is American Home Shield for its comprehensive air conditioner coverage. This aligns with our 2025 survey results, as nearly 41% of the homeowners we surveyed chose the provider.
- The average home warranty cost in Arizona is $74 per month and $872 annually.
- Our survey revealed that 54% of Arizona respondents chose coverage specifically for their air conditioning system.
Top Home Warranty Companies in Arizona
We chose the best four home warranty providers available in the Grand Canyon State based on our in-depth rating methodology.
- American Home Shield: Best Comprehensive Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Compare Home Warranty Companies in Arizona
Below, we compare key components of our top-rated Arizona providers, focusing on factors like cost and service call fees, which apply to each technician visit.
| Provider | Our Score | Monthly Plan Cost | Service Call Fee | BBB Rating |
|---|---|---|---|---|
$36–$100 | $100–$125 | 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 Arizona
We evaluated home warranty companies in the Grand Canyon State, prioritizing air conditioning coverage—essential in Arizona’s extreme heat—plumbing coverage to address the effects of hard water, and appliance protection, as repairs are a frequent concern for homeowners. We considered add-on coverage for pool and spa equipment, given the high number of pools in Arizona homes. Our team also considered the level of roof leak repair providers offered due to potential damage from intense monsoon storms.
Note: We got the pricing information listed in the provider sections below from requesting quotes for a 2,108-square-foot, single-family home in Tucson, Arizona. Pricing may vary depending on your home’s location, size, and type, as well as your plan choices.
American Home Shield
Coverage Overview
- Covers preexisting conditions in some cases
- Offers high coverage caps of up to $5,000 for AC and heating systems
- Provides discounts on certain maintenance services for covered items
Keep in Mind
- Only offers a 30-day repair guarantee
- Provides a limited number of optional add-ons
Our Review
American Home Shield is our top pick if you have an older home in Arizona, since it offers comprehensive coverage for appliances and systems. Its coverage includes preexisting conditions, as long as a service technician can’t detect it during a visual inspection or test.
AHS has a $5,000 coverage limit for standard HVAC systems, but its appliance coverage limits range from $2,000 to $4,000. AHS also offers extra coverage for select items in its top-tier plan, ShieldPlatinum.
ShieldPlatinum includes roof-leak protection and a discount on HVAC tune-ups. However, this plan has the highest premiums of any provider on our list. The provider offers a 30-day repair guarantee, which may not make sense if you own many older items.
Plan Details and Cost
American Home Shield offers three home warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum. We give a pricing and plan breakdown below:
- ShieldSilver ($20–$30 per month): This plan covers home systems, such as air conditioning, heating, electrical, and plumbing. Note that this plan doesn’t cover major appliances or garage door openers.
- ShieldGold ($40–$50 per month): AHS’s middle plan covers 23 systems and appliances, including HVAC units, clothes washers and dryers, ranges, and water heaters. This plan also covers garage door openers.
- ShieldPlatinum ($70–$80 per month): The top-level plan includes all ShieldGold coverage plus benefits such as roof-leak repairs and yearly HVAC tuneups. It also doubles the appliance coverage limit to $4,000.
AHS covers all parts of most systems and appliances included in each plan, offering some of the best protection among our top providers in Arizona (see the AHS sample contract for more detailed plan coverage). Some companies, such as Elite Home Warranty, don’t cover dishwasher doors or sensors, but AHS covers the entire appliance.
You can choose to pay premiums monthly, in three payments, or yearly, but you won’t receive free months of service if you pay monthly.
American Home Shield only offers six add-on options:
- Electronics Protection Plan
- Guest units (under 750 square feet)
- Pool and built-in spa
- Roof-leak repair (included at no additional cost in the ShieldPlatinum plan)
- Septic pump
- Well pump
Elite Home Warranty
Coverage Overview
- Charges a low $70 service call fee for most repairs
- Raises its coverage payouts for high-end appliances with an add-on purchase
- Includes a 90-day repair guarantee for repairs done by in-network technicians
Keep in Mind
- Doesn’t provide online pricing
- Charges a $150 service fee for high-end appliances and after-hours repairs
Our Review
Consider Elite Home Warranty if you need a fully customizable plan. While the company offers three standard plans, it also provides 30 add-on coverage options. However, you’ll need to call or email Elite for pricing, as its website doesn’t offer online quotes.
Elite covers 16 appliances and systems, including ice makers and refrigerator water lines. When we requested a quote, we discovered that Elite’s roof-leak protection is only available as an add-on, with coverage limits of $1,000 per year. A big benefit is that you can choose just pool or pool and spa coverage as an add-on, both with coverage limits of $1,500 per year. Another selling point is that Elite offers a 90-day workmanship guarantee on repairs and parts, the second-best guarantee on our list after AFC Home Warranty. Elite is one of the most affordable home warranty companies we’ve reviewed, making it a great choice for budget-conscious homeowners.
Plan Details and Cost
Elite Home Warranty offers three standard plans and a fully customizable plan where you choose each covered item. Below is a plan and cost overview of Elite’s standard plans:
- Elite Appliances ($45 per month): Elite’s lowest-tier plan is an appliance-only plan covering eight home appliances, such as stovetops, washing machines, and dishwashers. This plan excludes most cosmetic parts.
- Elite Systems ($55 per month): Elite’s middle plan offers system-only protection for eight home systems, including air conditioning, heating, and electrical.
- Elite Complete ($60 per month): The highest-level plan combines Elite Appliances and Elite Systems plans for comprehensive protection.
Elite Home Warranty lets you choose from appliance-only, systems-only, or combination plans. You can also build your own policy by selecting exactly which items you want to cover. The company’s sample contract outlines coverage limits that vary significantly, more than what other providers on this list offer.
Elite sets a generous $25,000 annual cap for all plans, giving you more overall coverage than competitors like AFC Home Warranty. Within that total limit, you can claim up to $5,000 for systems and $2,000 for appliances. Below is a sample of the 30 add-ons Elite offers:
- Drainage, sewer, and water service lines
- HVAC or water heater annual maintenance
- Pool or pool and spa
- Roof patching for roof leaks
- Septic system
First American Home Warranty
Coverage Overview
- Covers home systems and appliances regardless of age
- Offers unlimited coverage payouts for several major systems, such as HVAC
- Provides a coverage upgrade plan that covers cosmetic damages
Keep in Mind
- Charges a $2 monthly processing fee if you choose monthly premiums
- Excludes air conditioners and water heaters from its basic plan
Our Review
First American Home Warranty is a great choice if you own high-end appliances, since it covers select appliances up to $7,000 each per year. Its Premium Plan also includes unique benefits like roof-leak protection and haul-away service. For Arizona residents, the Starter Plan isn’t a strong option because it excludes AC units, clothes washers, and dryers.
First American includes roof-leak protection in the Premium Plan or as an $8 monthly add-on for its lower-tier plans. This coverage tops out at $1,000 annually, which exceeds the limits set by other providers. You can also add pool and spa coverage for $21 per month, with coverage reaching up to $2,500, higher than what some other providers offer. Like American Home Shield, First American backs repairs with a 30-day workmanship guarantee.
Plan Details and Cost
First American Home Warranty offers three home protection plans, with each covering a mix of home appliances and systems. Below is a pricing and coverage overview of First American’s plans:
- Starter Plan ($37–$42 per month): This plan covers some systems and appliances, including heating, but excludes air conditioners, water heaters, and laundry units. Given its lack of AC coverage, we don’t recommend this plan for homeowners in Arizona.
- Essential Plan ($52–$57 per month): This plan covers additional appliances and systems, including washers and dryers, and air conditioning.
- Premium Plan ($72–$77 per month): The highest-tier plan provides everything in the Starter and Essential plans, plus higher limits for appliances and coverage for ductwork and roof leaks.
First American Home Warranty offers two service call fees: $100 and $125. First American’s sample contract outlines coverage limits for major systems and appliances. Most major systems come with an unlimited coverage cap. Appliances under the Starter and Essential plans carry a $3,500 limit, while the Premium Plan increases that cap to $7,000. The Premium Plan also includes up to $1,000 in coverage for ductwork and limited roof leaks.
First American offers several add-on coverage options, including the following:
- Additional refrigerators
- HVAC tuneups
- Pool and spa equipment
- Roof leaks (included with the Premium Plan)
- Septic system
- Water softener
- Well pump
AFC Home Warranty
Coverage Overview
- Allows you to choose your own service provider
- Includes roof-leak coverage in every coverage plan
- Provides an unlimited repair guarantee that lasts the life of your plan
Keep in Mind
- Pays less for most repairs and replacements compared to other providers
- Requires immediate claims submission for repair approvals
Our Review
AFC Home Warranty is our final pick for Arizona because it offers broad coverage, especially through its top-tier Diamond Plan. You can choose your own contractor for repairs, giving you more control than many competitors allow. While the company sets a low $1,000 cap for some system repairs, it provides a $3,000 coverage limit for most HVAC issues.
Every AFC plan includes roof-leak protection at no additional cost, though it only covers up to $250 per incident. According to a company phone representative we spoke with, AFC has offered this perk for the past two years.
AFC also leads the competition with its workmanship guarantee, which covers repairs for the entire duration of your contract.
Plan Details and Cost
AFC Home Warranty offers four coverage plans. After requesting a quote over the phone, we found that the company’s most basic plan isn’t available to buy online. Here’s an overview of AFC’s service plans:
- Silver Plan ($27–$35 per month): The basic plan covers your main appliances, including kitchen refrigerators, ranges, washers, and dryers, but excludes built-in microwaves, exhaust and attic fans, and ceiling fans.
- Gold Plan ($45–$53 per month): The next tier adds coverage for major systems, including electrical, plumbing, air conditioning, and heating. It also covers kitchen exhaust fans.
- Platinum Plan ($53–$62 per month): The platinum tier adds coverage for ceiling and attic fans, garage door openers, built-in microwaves, plumbing stoppages, faucet repairs or replacement, and ice makers.
- Diamond Plan ($84–$92 per month): The highest tier adds coverage for any electronics in your home that connect to Wi-Fi, as well as exterior sewer and water lines.
AFC allows you to choose from a $75 and $125 service call fee to pair with its coverage plans. Each plan has its own sample contract with specific coverage details. The company offers a few add-ons that range from $25 to $150 per year. Add-on coverage includes the following items:
- Additional appliances or electronics
- Pool and spa
- Septic system
- Sump pump
- Well pump
Our Experience Filing Claims
We spoke with one of our team members who owns an American Home Shield plan. He agreed with many customers’ thoughts on American Home Shield’s customer service. American Home Shield connected him with a local provider in under an hour when he filed his most recent claim. He specifically appreciated how quickly the service provider repaired his issue.
We asked if he had a similar experience with other claims he’s filed. He reported that American Home Shield always sent someone within 24 hours, and he only paid for his service call fee.
Another team member we spoke with owns a First American Home Warranty plan. He reported that First American provides a straightforward and intuitive claims process, noting that filing a claim online usually takes less than two minutes. He also reported being highly satisfied with FAHW’s prompt response times—contractors typically contact him within an hour to schedule service.
That said, our team member reported mixed experiences with some claims. When his water heater needed replacement, FAHW covered $500, but he paid an additional $300 due to the heater’s age. Overall, he finds the peace of mind, convenience, and reliability of FAHW valuable enough to recommend it to other homeowners.
Home Warranty Costs in Arizona
The average cost of a home warranty in Arizona is $74 per month and $872 annually, with a median price of about $56 monthly, which aligns with the national average cost of a plan. Several factors affect the final cost of a home warranty, including your chosen coverage level, provider, service call fees, and add-ons.
Comprehensive plans and lower service call fees generally lead to higher monthly premiums, while basic coverage helps keep costs down. Home size, age, and location can also influence pricing.
The table below shows the average pricing of our top Arizona picks.
| Provider | Monthly Cost | Service Call Fee |
|---|---|---|
| American Home Shield | $16–$80 | $100–$125 |
| Elite Home Warranty | $45–$60 | $70–$150 |
| First American Home Warranty | $59–$111 | $100–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
How We Determined Home Warranty Pricing
To estimate home warranty costs in Arizona and nationwide, we gathered over 4,000 quotes from 13 companies across the U.S. We also surveyed 2,000 homeowners in January 2025 to gather real-world cost data.
We used sample addresses for single-family homes both under and over 5,000 square feet. The homes included in the sample were from urban and rural areas of Arizona, such as Fredonia, Gilbert, Phoenix, and Tucson. National pricing was based on similar-sized homes across the country. We then averaged these costs to determine the price ranges for both the state and the nation.
Survey Insights From Arizona Homeowners
Our 2025 survey polled 2,000 current home warranty users nationwide to gather insights into their shopping journey, coverage needs, and claims experiences. We found that nearly 31% of respondents living in Arizona own a home that’s more than 20 years old. We also discovered that 61% of them purchased a home warranty to protect older appliances and systems. This underscores the importance of coverage for aging systems, especially if your home has more pronounced wear and tear.
Fifty-seven percent of respondents cited coverage as the most important feature when choosing a home warranty plan. Commonly covered items included water heaters (46%) and air conditioning systems (54%). Given Arizona’s extreme heat, air conditioning is essential for comfort, while water heaters are critical for daily tasks in the dry climate. Many Arizona respondents also extended their coverage by purchasing add-ons, with roof leak and pool protection being the most popular.
Regarding claims submissions, appliance repairs or replacements were the most common reason, with 65% of respondents selecting that option. Nearly 56% of Arizona homeowners had their claims resolved with a repair, while over 35% received a replacement appliance or system. An impressive 93% of respondents had their claims approved. Of those, 50% were very satisfied with the outcome, while 30% were satisfied. Nearly 70% of Arizona home warranty users plan to renew their contracts when they expire.
FAQs About Home Warranties in Arizona
What does a home warranty cover in Arizona?
A home warranty usually covers repairs and replacements from standard wear and tear for appliances such as refrigerators, dishwashers, and garbage disposals, as well as systems such as air conditioners, plumbing, and electrical systems in your home.
How do I choose a reliable home warranty provider in Arizona?
The most reliable home warranty providers are transparent, clearly disclosing what they do and don’t cover in your contract. They should also have a large network of technicians they work with who are available for repairs. If you’re worried about exclusions, you may be better off with a higher-tier plan. Many higher-tier plans offer more comprehensive coverage than the lowest-tier plans.
Can I purchase a home warranty after closing on a house in Arizona?
Yes, you can purchase a home warranty after closing on a house in Arizona, or anytime after you buy your home. Normally, if your home warranty is not part of your home closing, you’ll need to wait 30 days after you purchase the plan for coverage to kick in.
Is a home warranty worth it for an Arizona home?
Yes, a home warranty can be worth it for an Arizona home with aged appliances and home systems since those items are likely to break down from wear and tear. The exception is if your home systems and appliances have preexisting conditions, as many providers exclude these. If you do want coverage for items with preexisting conditions, American Home Shield covers certain preexisting conditions, and it doesn’t require a home inspection before beginning coverage.
How We Evaluated Home Warranty Providers
We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. Our research includes speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. To share firsthand experience with the claims process, we’ve purchased home warranty plans and filed claims.
To find the top Arizona home warranty companies, we also speak with industry professionals to identify common repairs and replacements throughout the state. We then score each provider against our review standards to arrive at an overall score on a 5-point scale:
- Coverage: In Arizona, it’s important to find a plan with high coverage caps and full coverage, especially for hardworking HVAC systems. The best providers cover a range of appliances and systems and start coverage within 30 days of when you sign up.
- Cost: We rate providers based on service fees, monthly premiums, and extra charges. Some of our highest-rated providers have average monthly costs around $60 and service fees of $100 or less.
- Trustworthiness: Providers that rank highest in this category have high BBB ratings, have no current government lawsuits, and belong to the National Home Service Contract Association.
- Plan transparency: Our highest-ranked companies offer transparent online pricing along with sample contracts that clearly outline coverage limits and specifics for the state of Arizona.
- Customer support: Our top-ranked home warranty companies provide fast, easy-to-use portals for filing claims. Along with quick response times, we look for providers that offer multiple customer service options.
- Flexibility: The best ratings in this category go to companies that offer three or more warranty plans and plenty of add-on options and let you choose your own technicians for repairs.
