Best Home Warranty Companies in Nevada (2024)
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If you live in arid Nevada, you need a working air conditioner during most of the year. Repairing your AC can be expensive, so having a home warranty plan is a wise investment to reduce costs when breakdowns happen. Home warranties also help protect other major home systems and appliances, helping to keep your home rooming smoothly.
We analyzed the best home warranty companies in the United States and chose the best options for Nevada, comparing plan options, pricing, customer ratings, and more. We chose American Home Shield for its comprehensive HVAC coverage with every plan. Learn more about our full list of top Nevada home warranty providers to find the best protection for your home.
Key Takeaways
- The best home warranty companies in Nevada is Liberty Home Guard, based on our research of 13 home warranty providers.
- A Nevada home warranty costs $700 annually on average, or $29-$96 per month, depending on your provider and coverage.
- Nevada’s diverse climate means homeowners should seek out specific coverage and request quotes from at least three providers to save the most money.
The listings that appear are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This listing does not include all companies or all available offers and products.
Did You Know?
- In the last 30 days, more than 2,500 people bought home warranties from the above providers. Liberty Home Guard is our most popular provider, with 55% of buyers choosing to cover their homes with an LHG plan.
The 5 Best Home Warranty Companies in Nevada
American Home Shield includes comprehensive HVAC coverage under every plan with a generous $5,000 coverage cap. We’ve listed our complete list of Nevada home warranty companies below:
- Best for Comprehensive Coverage: American Home Shield
- Best Plan Flexibility: AFC Home Warranty
- Best for High-End Items: First American Home Warranty
- Best for Customized Coverage: Elite Home Warranty
- Best Customer Support: Liberty Home Guard
Our table below compares key factors of the top Nevada home warranty companies.
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| #1 out of 16 companies | #2 out of 16 companies | #3 out of 16 companies | #4 out of 16 companies | #5 out of 16 companies | |
| NR | B | B | B+ | B | |
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Monthly Cost |
$49–$59 | $49–$109 | $47–$87 | $44–$59 | $34–$92 |
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Service Fees |
$65–$125 | $100–$125 | $75–$125 | $70 | $75–$125 |
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Customer Support Options |
Email, Phone, Online Chat, Online Portal | Phone, Online Portal | Phone, Online Portal | Email, Phone, Online Portal | Phone, Online Portal |
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Response Time |
Up to 48 hours | Up to 48 hours | 4–48 hours | Up to 48 hours | 24-48 hours |
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Pros |
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Cons |
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Summary |
We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations. |
We recommend American Home Shield for homeowners who need comprehensive coverage for older homes. |
We recommend First American Home Warranty for homeowners who need robust plan options for HVAC and high-end appliances. |
We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options. |
We recommend AFC Home Warranty for homeowners who want extensive HVAC coverage and protections for new systems. |
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Promotions |
Black Friday & Cyber Monday Sale: $225 Off + 2 Months Free + Roof Leak Protection | Black Friday Savings: 50% OFF Select Plans | $100 Off with Code “PROTECT” | Get 50% Off Any Plan Plus Your First Month Free! | Fall Sale: $250 Off + Free Roof Leak Coverage |
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Rating Categories |
Liberty Home Guard | American Home Shield | First American Home Warranty | Elite Home Warranty | AFC Home Warranty |
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Coverage |
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Value |
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Trustworthiness |
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Plan Transparency |
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Customer Support |
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Flexibility |
Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,139-square-foot, single-family home in Carson City, Nevada. Your pricing may vary depending on your home’s location, size, type, and plan selections.
How We Rated Home Warranty Companies in Nevada
We contacted local repair technicians, home builders, and real estate agents to find the best Nevada home warranty providers. They helped identify common appliance and home system failures in the state. Next, we contacted top home warranty companies and spoke with company representatives, reviewed sample contracts, gathered sample quotes, and reviewed coverage and exclusions.
Next, we scored each provider against our review standards in four categories: coverage, value, trust and transparency, and availability and service. We verified each company offered HVAC and roof-leak coverage in their standard coverage or as an add-on. We researched brand reputation and read third-party customer reviews. We also checked each policy and its claims process, including the filing process, processing speed, and customer support options.
Are Home Warranties Worth It in Nevada?
Nevada residents benefit from a home warranty’s added protection and security. Major home appliances and systems experience wear and tear beyond their initial manufacturer’s warranty. You’ll pay significant repair and replacement costs if these items break down.
For example, many Nevada residents depend on a functioning air conditioner for most of the year. Between the state receiving 252 sunny days per year and facing triple-digit temperatures during summer months, AC failure could cause major issues for your home life. These brutal conditions also take a toll on your roof, with extreme temperatures deteriorating roof material and causing leaks. With a home warranty plan, these valuable items receive added protection and help save your emergency repair budget.
Nevada offers a lower cost of living and no individual income tax, which may make it more feasible for homeowners to invest in a home warranty plan. Also, note that a higher percentage of homes are managed under HOAs in Nevada. This can render some coverages unnecessary depending on what the HOA covers. HOAs often have rules regarding water usage, landscaping, and more, which can impact what coverage is needed under a home warranty plan.
Based on our research, we’ve found the most common home system and appliance repairs in Nevada homes:
| Item | Average Cost to Repair | Average Cost to Replace |
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$30–$150 |
$3,800–$10,000 |
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Gas ranges |
$100–$500 |
$230–$3,000 |
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$100–$650 |
$2,500 and $15,000 |
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$150–$450 |
$200–$5,000 |
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$150–$2,000 |
$5,000–$13,000 |
Data sourced from The Home Depot
How Much Does a Home Warranty Cost in Nevada?
Based on our sample quotes, a home warranty in Nevada costs an average of $58 monthly or $700 annually. However, the policy premium isn’t the only cost you’ll pay to use your home warranty. Companies charge a service call fee each time you file a claim. Our research shows the average service call fee ranges from $75–$125 per claim.
Several factors influence the cost of your home warranty coverage, including your home's size and type, location, and plan choices. Below are additional factors that affect home warranty costs:
- Add-on protections: Add-on coverage varies based on the provider but could add as much as $25 more to your premium costs. We recommend choosing only essential add-on protection that benefits your home. Many companies offer roof-leak coverage—a common home issue in Nevada—as an add-on. Use a sample quote to build your ideal coverage with add-on costs included. Then, compare at least three quotes to find the best costs.
- Coverage level: Comprehensive plans that cover appliances and systems will cost more than targeted coverage options. If you only need system-specific protection, such as HVAC coverage, you could save more with a system-only plan. Think about the major appliances and systems you use most and purchase only the necessary coverage. Also, if you own high-end appliances, pick a company that includes them in its standard plans to ensure you have the best protection for your premium appliances.
- Home age: Older homes or homes with older systems and appliances are more prone to failure and will need higher coverage caps. You’ll pay more for plans with higher caps and more inclusive policies, including coverage for preexisting conditions. However, you’ll save more with adequate coverage than choosing a plan with lower coverage limits.
Reviews of the Best Home Warranty Companies in Nevada
American Home Shield
Best for Comprehensive Coverage
AFC Home Warranty
Best Technician Flexibility
First American Home Warranty
Best for High-End Items
Elite Home Warranty
Best for Customized Coverage
Liberty Home Guard
Best Customer Support
How Do You Choose a Home Warranty in Nevada?
There are several factors to consider before purchasing a home warranty in Nevada, such as your budget, coverage needs, and location. To ensure you buy the right home warranty, keep the following considerations in mind:
- With temperatures hitting up to 125 degrees in parts of Nevada, having a home warranty to protect your air conditioning system makes sense, covering repairs or replacement if it fails in the blazing heat.
Check for Builder’s or Manufacturer’s Warranties
If you purchased a newly constructed home, chances are it has a builder’s warranty. Nevada requires home builders to cover a new home’s built-in systems for one year. You may not need a systems plan if your home includes protection under the builder’s warranty. Similarly, you may not need an appliance-only plan if you recently purchased new appliances. Most new appliances include manufacturer’s warranties valid for 12 to 24 months. Consider purchasing a home warranty after the builder’s and manufacturer’s warranties expire so your essential systems and appliances remain covered.
Research Company Reputation
Another crucial factor to consider is a company’s reputation. Research each company on the Better Business Bureau site to review its rating and accreditation. Read customer reviews and note any patterns of complaints, including poor customer service, delayed claims processing, or denied claims.
Understand the Claims Process
We recommend reviewing a provider’s general claims process for several reasons. First, you want a provider that openly shares how it handles claims from beginning to end. Second, you want to ensure the provider has a vetting process for its service technicians. Finally, you should confirm whether you can use your own contractor if you already have someone you trust. Some home warranty companies allow you to choose your preferred technician as long as they’re licensed.
How Are Nevada Home Warranties Regulated?
Our research shows Nevada’s Division of Insurance (DOI) regulates home warranty companies. In 2019, Nevada legislators declared that home warranties fall under the same regulations as service contracts. Nevada service contract Statute 690C-150–160 outlines requirements companies must follow before selling plans within the state. For example, home warranty companies must maintain a reserve fund to pay out consumer claims in case the company goes out of business.
The DOI provides a company look-up tool to help Nevada residents find licensed home warranty companies. It also accepts complaints via an online complaint form submission.
Home warranty companies also self-regulate through industry associations. Organizations such as the National Home Service Contract Association and the Service Contract Industry Council work closely with home warranty companies to keep consumer and provider interests in mind.
Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary.
Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.
Life span and repair cost data sourced from InterNACHI and Home Depot
Other Resources for Residents in Nevada
Frequently Asked Questions
Is a home warranty mandatory in Nevada?
No, a home warranty is not mandatory in Nevada, unlike homeowners insurance, which mortgage lenders typically require. If you’re purchasing a new home and are unsure about the condition of the major appliances and built-in systems, a home warranty could be a good investment as it will offset the out-of-pocket costs to repair or replace these items.
What is a service call fee?
A service call fee works similarly to an insurance deductible. It’s a previously agreed-upon fee outlined in the service contract with your home warranty provider that you must pay before a contractor proceeds with your service request.
Who should consider purchasing a home warranty plan in Nevada?
Any homeowner who wants to stay ahead of repair and replacement costs for major appliances and home systems should consider purchasing a home warranty in Nevada. Home warranties can protect against most large bills for home appliances and system breakdowns.
How do home warranties work in Nevada?
Home warranty companies find reputable service providers in your area to repair or replace your systems and appliances in exchange for a monthly or annual fee. They also cover the cost to repair or replace those items up to a certain amount. When your covered item breaks down, you submit a claim to your provider for servicing. Once your provider receives your claim, it will search for an in-network specialist and send them to your home to assess the problem, typically within 24 to 48 hours.
Our Detailed Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, cost, trustworthiness, plan transparency, customer support, and flexibility to arrive at a final score on a 5-point rating scale.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.
