Best Home Warranty Companies in Georgia (With Customer Feedback)

Monthly Cost: $29–$89

Service Fee: $100–$125

Workmanship Guarantee: 30 days

• Covers $5,000 in HVAC repairs—twice as much as most companies
• Offers discounts for heating and cooling tune-ups and air filters
• Provides roof-leak coverage in its highest-tier plan

Keep in Mind

• Has the highest prices of any company we reviewed
• Offers fewer ways to customize your coverage than other providers

We recommend American Home Shield to Georgia homeowners for a few reasons. First, it has a generous HVAC coverage limit of $5,000, which is double the industry standard of $2,500. A coverage limit is the maximum amount a company will pay for specific repairs within your plan term. Having high HVAC limits is invaluable for Georgia homeowners, given the state’s intense summers and nearly year-round heat. AHS also has discounts for heating and cooling tune-ups and air filter replacements. These help keep your HVAC system in good shape, preventing breakdowns in the first place.

There are two areas where AHS could be better: its plan variety and price. AHS doesn’t offer an appliance-only plan, so it’s not the best choice if you’re only interested in protecting appliances like refrigerators and dishwashers. As for its price, AHS is the most expensive company on this list.

Monthly Cost: $46–$55

Service Fee: $100

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

• Offers comprehensive coverage at reasonable prices
• Completes follow-up repairs if issues persist within 90 days, whereas most companies only do this within 30 days
• Covers up to $3,000 in claims 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

Choice Home Warranty stands out in one area: its value. Choice’s most expensive plan costs only $55 per month, making it one of the most affordable home warranties on this list. The company also has coverage caps of $3,000 for most of its covered items, which is $500 more than the industry average. Considering its low cost, these caps are extremely generous compared to other providers. Overall, we think Choice is a reliable “middle of the road” option that can work for homeowners of all budgets.

Our biggest concern is the lack of coverage in Choice’s basic plan, which doesn’t include essential items like refrigerators and AC units. If you want these items covered, you’ll need to upgrade to a higher-tier plan. Most other providers cover these must-have items in their basic packages.

Another issue is that Choice is being sued by the Arizona Attorney General’s Office. The lawsuit alleges that Choice denied claims in bad faith. We contacted Choice about the lawsuit, and a representative said that while they could not comment on pending litigation, the company is “committed to providing best-in-class service to every customer.”

Monthly Cost: $52–$92

Service Fee: $75–$125

Workmanship Guarantee: 30 days 

• Covers unlimited repairs for HVAC and plumbing
• Covers up to $7,000 for appliances in its top plan, over three times the industry standard
• Will cover improperly installed or damaged items as a free upgrade

Keep in Mind

• Doesn’t have appliance- or system-only plans
• Has higher-than-average prices

First American Home Warranty (FAHW) is a good option for Georgia homeowners thanks to its unlimited coverage caps for HVAC and plumbing systems. If you have a larger home or a higher-end HVAC system, an unlimited coverage cap will keep you from paying out of pocket when things break down.

Similarly, FAHW’s free First American Advantage upgrade is great for older homes or those with already damaged items. This add-on covers items damaged from poor upkeep or faulty installation. Few other home warranty companies offer this kind of protection.

Similar to AHS, FAHW doesn’t offer system- or appliance-only plans, so you’re better off with a different company if that’s the only coverage you want. Another issue is that its cheapest plan, the Starter Plan, doesn’t cover roof leaks. Not all companies offer roof leak protection in their basic plans, but it’s a valuable perk for Georgians who regularly experience summer thunderstorms. You can buy this coverage as an add-on from FAHW for an extra $8.33 extra per month.

Monthly Cost: $40–$60

Service Fee: $70

Workmanship Guarantee: 90 days

• Allows homeowners to completely customize their coverage plan
• Completes follow-up repairs if issues persist within 90 days
• Has more options to customize your plan than most companies

Keep in Mind

• Doesn’t allow you to use repair people outside of its network
• Has a $15,000 annual limit for total coverage, potentially limiting your payouts per year

We recommend Elite Home Warranty to homeowners in Georgia who want specialized or custom coverage. Unlike most other home service providers, Elite lets you choose the exact items you want coverage for, so you won’t have to pay for things you don’t need. It also has 27 add-ons, which are options you can tack on to your base plan for extra coverage. Finally, we like Elite’s 90-day workmanship guarantee, which is three times as long as most companies. A “workmanship guarantee” means the company will arrange follow-up repairs for free if any issues occur after your initial repair within the stated time frame.

On the downside, this guarantee only applies to repair people within Elite’s network. This means that if you hire your own contractor, you’ll still need to pay a service call fee for return visits. We also think Elite’s $15,000 annual claim limit is restrictive. If you have multiple high-value claims and hit the $15,000 cap, you’ll have to pay out of pocket for any other repairs until your plan renews. If you have high-end home appliances or systems, we recommend picking a company that offers high or unlimited coverage caps, such as AHS or FAHW.

Monthly Cost: $49–$59

Service Fee: $65–$125

Workmanship Guarantee: 60 days 

• Offers a 24/7 live chat for any-time customer service
• Includes a 60-day workmanship guarantee, double the industry average
• Has the largest add-on selection at over 40 items

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) to Georgia homeowners because of its impressive add-on selection of 42 items. This means that you can cherry pick almost any additional coverage you want without having to upgrade to a more expensive plan. LHG’s add-ons include coverage for items that many homeowners in Georgia would find helpful, such as two AC units, wells, sump pumps, and roof leaks. It also has coverage options for gutter cleaning, which can be a massive time-saver for homes in forested areas.

Liberty Home Guard comes up short on its service call fee policy and certain coverage caps. A service call fee is the one-time payment you make when a repair person comes to your home. Typically, a home warranty company will let you pick a higher service call fee if you want a lower monthly premium or vice versa. LHG doesn’t let you choose your fee. However, its service call fees range from $65–$125, which is in line with the industry standard.

LHG’s coverage falls within the industry average for most items, with the exception of plumbing and electrical systems. It only offers $500 of coverage for these, which is $2,000 below the standard.