American Home Shield and Choice Home Warranty top our list of the best home warranty companies in Nevada. American Home Shield offers homeowners comprehensive coverage with up to $5,000 in HVAC protection, which can help offset the cost of repairs or a replacement if your air conditioning breaks down in the Nevada heat. In comparison, Choice provides up to $3,000 in HVAC coverage at a more budget-friendly price.
Whether you live in bustling Las Vegas or the more quiet city of Henderson, Nevada’s high temperatures can strain your home systems and appliances—especially your air conditioning. Cooling systems can work overtime to keep your home temperate in the state’s desert climate. Keep reading to learn more about the basics of home warranties, our top five providers in Nevada, average prices, and other key factors.
Key Takeaways
- American Home Shield is our home warranty pick for Nevada homeowners because of its comprehensive coverage, including up to $5,000 for key systems in Nevada like your air conditioning.
- The national average cost of a home warranty is $56 per month, but our research shows coverage in Nevada is slightly more expensive, with an average monthly range of $38–$79.
- Among home warranty owners we surveyed in 2025, the most commonly protected item in Nevada was air conditioning, with almost 64% of respondents selecting protection for this must-have system.
Top Home Warranty Companies in Nevada
After analyzing the top home warranty companies in Nevada, our team ranked the following in our top five based on pricing, coverage, customer support, workmanship guarantees, and more.
- 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
Take a quick look at how Nevada’s top home warranty companies compare in terms of pricing, workmanship guarantee, service call fees, Better Business Bureau (BBB) ratings, and more. Note that pricing may vary depending on your home’s location, size, and plan choices.
| Provider | Our Score (Out of 5) | Monthly Plan Cost | Service Call Fee | Better Business Bureau (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 |
Note: The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of March 2025.
Our Reviews of Top Providers in Nevada
Nevada has a hot and dry climate, with temperatures regularly above 100 degrees Fahrenheit. As a result, our team highlighted home warranty providers with strong coverage for HVAC systems and other appliances that keep your home comfortable during these dry bouts. We also looked for providers with add-on coverage for pools, a common home feature in Nevada. Learn more about our top picks below.
American Home Shield
Coverage Overview
- Extends up to $5,000 in HVAC coverage, more than double what many providers offer
- Highest-tier plan, the ShieldPlatinum plan, comes with unlimited air conditioning (AC) refrigerant to keep your cooling system and heat pumps running smoothly
- Covers unknown pre-existing breakdowns
Keep in Mind
- You can’t pick your own service contractor
- The comprehensive ShieldPlatinum plan is pricier than some other options
Our Review
American Home Shield (AHS) is our top pick for comprehensive coverage because of its higher-than-average caps, including up to $5,000 for HVAC systems—a benefit for Nevada residents. Plus, our team likes how AHS extends protection for some duplicate items. For example, if you have a second refrigerator or air conditioning unit, you don’t have to pay for an add-on to get coverage, which isn’t common in the home warranty industry. The company also covers unknown pre-existing breakdowns, items without maintenance records, and issues caused by improper installations or repairs. This type of damage can result in claim denials with other home warranty providers, making this protection a significant benefit of choosing American Home Shield.
On the other hand, American Home Shield won’t cover construction costs, such as structural changes or modifications to the home and mold or mildew removal. We also found its plans cost more than some other companies, especially for comprehensive coverage. Still, Nevada homeowners looking for peace of mind may find a home warranty worth it for their HVAC system, which is put through the wringer during sweltering Nevada summers.
Plan Details and Cost
American Home Shield offers some of the best coverage in the home warranty industry based on our review. Its ShieldPlatinum plan includes notably high coverage caps for HVAC systems and unlimited AC refrigerant.
- ShieldSilver ($20 per month): This basic home systems plan covers HVAC, plumbing, and electrical systems.
- ShieldGold ($30 per month): This more comprehensive plan covers both home systems and common appliances, such as refrigerators and dishwashers.
- ShieldPlatinum ($90): The company’s most extensive plan covers appliances, home systems, and roof leaks, plus unique benefits like free HVAC tune-ups.
American Home Shield has two service fee options of $100 or $125. For Nevada homeowners, we recommend the ShieldPlatinum plan because of its $5,000 in home systems coverage and $4,000 in appliance coverage. These above-average caps provide plenty of coverage for HVAC breakdowns, which the state’s brutally hot summers can easily cause. According to the company’s Nevada sample contract, you can receive service in less than 24 hours for emergency requests.
American Home Shield offers the following add-ons for extra coverage in Nevada:
- Guest unit: $29 per month
- Pool and built-in spa equipment: $20 per month
- Roof leaks: $10 per month (included with the ShieldPlatinum plan)
- Septic pump: $5 per month
- Well pump: $8 per month
Choice Home Warranty
Coverage Overview
- Provides longer-than-average workmanship guarantees for repairs with 60 days for labor and 90 days for parts
- Offers up to $3,000 in coverage for most items per contract year
- Has a more affordable limited roof leak add-on with up to $500 in coverage, compared to competitors like American Home Shield
Keep in Mind
- Excludes essential items from the lowest-tier Basic Plan, including your air conditioning
- Charges an extra $2.50 fee for monthly plan pricing
Our Review
Choice Home Warranty is our recommendation for affordable, basic coverage for Nevada homeowners. This provider has two plan options, but we recommend the Total Plan for Nevada homeowners because it includes air conditioning coverage, unlike the Basic Plan. During our secret shopping process, we were offered $50 off a Nevada home warranty plan if we signed up that day, and the first month free when purchasing coverage for a single-family home. These deals can make Choice’s rates even cheaper, which is a plus for Nevada homeowners shopping on a budget.
Choice’s contract says the company doesn’t cover any known or unknown pre-existing conditions, and while a home inspection isn’t required to enroll, one is recommended to ensure all items are in working order. Our team likes how Choice covers systems and appliances in good condition regardless of age, which is a plus if you live in an older home. However, the Arizona Attorney General is currently pursuing a consumer fraud lawsuit against Choice for allegedly making false claims. Choice has a B rating from the BBB and nearly 4 out of 5 stars based on almost 46,000 Trustpilot reviewers, which highlights instances of positive customer experiences.
Plan Details and Cost
Choice Home Warranty has fewer plans than other providers on this list. Still, its Total Plan is worth a close look for Nevada homeowners.
- Basic Plan ($64 per month): This plan covers most common home systems and appliances, including heating, plumbing, and electrical systems, as well as your dishwasher and built-in microwave.
- Total Plan ($72 per month): Includes everything in the Basic Plan, plus your air conditioning, refrigerator, and clothes washer and dryer.
Choice’s homeowner user agreement outlines a maximum coverage limit of $3,000 per item for a 12-month contract period. The company will pay up to $500 to access covered items through concrete, ceilings, floors, roofs, or otherwise inaccessible areas, which not all home warranty companies offer. Choice charges a service fee of $100 per claim, regardless of the type of repair or replacement, which falls in the middle of rates within the industry based on our research.
Here’s a list of Choice’s add-on options that we found most useful for Nevadans:
- Limited roof leak: $6 per month
- Pool and spa: $15 per month
- Second refrigerator: $3 per month
- Stand-alone freezer: $3 per month
- Well pump: $8 per month
Elite Home Warranty
Coverage Overview
- Extends $5,000 in coverage for air conditioners that are part of your HVAC system
- Offers the option to build your own plan, which can help prevent paying for unnecessary coverage
- Provides 24/7 service and will send in-network technicians to respond to your claims within 24–72 hours
Keep in Mind
- Has less industry experience than most providers on our list, as it was founded in 2021
- Allows you to select your own licensed technician when filing a claim, but the 30-day workmanship warranty won’t apply if the provider is out of network
Our Review
Elite Home Warranty offers unique customization options, including the option to build a plan from scratch and many add-ons for extended coverage. While the company has fewer add-on options than Liberty Home Guard, Elite can still provide ample coverage for most Nevada homeowners. Our team especially likes its generous pool and spa add-on, which covers up to $1,500 in annual repairs. Nevada’s high temperatures make pool coverage important for homeowners trying to stay cool, especially in the summer.
We also want to highlight Elite’s unique premium systems add-on for Nevada residents, which increases the maximum coverage limit for air conditioning and heating systems to $5,000 each. This can offer peace of mind should your air conditioner break down throughout the year. However, while Elite’s typical service fee is $70, the company charges a higher fee of $150 if you need repairs on a professional-grade appliance or weekend and after-hour services.
Plan Details and Cost
Elite Home Warranty has straightforward plans, with appliance-only coverage, systems-only coverage, and a comprehensive plan covering both types of items.
- Elite Appliances ($45 per month): This home appliance plan covers the eight most essential appliances, such as a washer, dryer, and dishwasher.
- Elite Systems ($50 per month): This systems-only plan covers the eight most important systems in your home, including your air conditioning, electrical system, plumbing fixtures, and water heater.
- Elite Complete ($60 per month): Elite’s most comprehensive plan covers appliances and systems, and unique items like ceiling fans, bathroom exhaust fans, and garage door openers.
Elite’s standard service fee is $70, but specific claims fall under a pricier service call fee of $100 or $150, including after-hours and weekend calls and repairs for professional-grade appliances). While coverage limits for individual items vary, Elite has aggregate or overall limits of up to $7,000 for appliances and $8,000 for systems. We recommend reading an Elite sample policy to learn more about the company’s coverage caps.
We also recommend considering the following add-on options in Nevada:
- HVAC annual maintenance: $300 per year
- Lawn sprinkler system: $100 per year
- Pool and spa equipment: $200 per year
- Premium systems: $300 per year
- Well pump: $100 per year
First American Home Warranty
Coverage Overview
- Has higher-than-average high coverage caps of up to $7,000 for appliances
- Automatically includes HVAC tune-ups and limited roof leak repairs with its Premium plan
- Doesn’t specify limits for most covered systems
Keep in Mind
- Charges customers with lower tier plans out-of-pocket if an HVAC repair requires the use of lifting equipment
- Offers three plans, but the base Starter Plan doesn’t include air conditioning coverage
Our Review
First American Home Warranty has over 40 years of industry experience and offers plans our team recommends for owners of homes with premium appliances. With up to $7,000 in appliance coverage, you should have enough to repair most appliances in your home, which can give you peace of mind. Another benefit for Nevada homeowners is having no limits on systems coverage and the company’s pre-season HVAC tune-up benefits. All plans come with the option of a spring and fall tune-up to keep your HVAC and air conditioning running smoothly year-round.
However, First American doesn’t guarantee service appointment turnaround time, which can present a hassle if your air conditioner breaks in during a heat wave. The Starter plan also doesn’t cover your air conditioning, mini-split ductless system, register, grill, filter, or window unit. For complete HVAC coverage, you’ll want to opt for the Premium plan, which covers all of the above components.
Plan Details and Cost
First American has three plan options, ranging from $58–$111 per month, based on our quote process. Here’s what each one covers:
- Starter ($58 per month): This plan covers plumbing systems, garbage disposals, dishwashers, refrigerators, electrical and heating systems, built-in microwave ovens, cooktops, and ovens.
- Essential ($81 per month): Covers everything in the Starter plan plus your washer, dryer, water heater, air conditioning, and garage door opener.
- Premium ($111 per month): First American recommends this plan for those interested in luxury appliance coverage and extras, like instant hot water dispensers and full garage door system coverage. It covers everything in the Starter and Essential plans.
This provider’s premium plans offer above-average coverage caps of up to $7,000 per appliance. Even its Starter plan covers many appliances, with up to $3,500 in coverage. This coverage is enough to replace most built-in microwave or dishwasher models. According to First American’s sample contract, the company’s add-ons also have generous coverage. For example, pool and spa equipment includes up to $2,500, more than most providers on the market.
- Additional refrigeration: $4 per month
- Pool and spa equipment: $21 per month
- Septic system: $7 per month
- Water softener: $7 per month
- Well pump: $7 per month
AFC Home Warranty
Coverage Overview
- Extends a workmanship guarantee that lasts the length of your plan, which is typically one or three years
- Offers three plans, all of which include HVAC coverage in Nevada
- Extends unique member benefits, such as free credit monitoring and home security and appliance discounts
Keep in Mind
- Has lower coverage caps for certain systems, including $500 for plumbing
- Some plans cost more than the state average in Nevada
Our Review
One of the biggest benefits our team found with choosing AFC Home Warranty is your ability to choose your own licensed technician. Unlike other companies that pre-assign you a technician when you file a claim, AFC Home Warranty lets you use your own trusted contractor. The company advertises “hassle-free” home warranty coverage with plans that repair or replace up to 24 home systems and appliances. AFC Home Warranty also offers many discounts and ways to save on its website. During our secret shopping, we were offered up to $250 off and free roof leak coverage for signing up.
On the downside, AFC Home Warranty is among the most expensive providers we reviewed for comprehensive coverage in Nevada. The most expensive plan—the Diamond plan—offers coverage for unique items like sewer lines and electronics, including home entertainment, smart home devices, laptops, and smartphones. On the flip side, the company’s more affordable base plans include air conditioning coverage for $50 or less per month. If you have a lot of technology in your home and don’t mind paying more, or want a budget plan that includes air conditioning coverage, AFC Home Warranty is a good option.
Plan Details and Cost
Like most providers, AFC Home Warranty has three plan options, with the premium Diamond plan offering unique benefits like electronic and water line coverage.
- Gold ($44 per month): This plan covers 15 key home appliances and systems, including heating, cooling, plumbing, and electrical systems.
- Platinum ($51 per month): This all-in-one plan covers most essential home systems and appliances, including your HVAC, ceiling, exhaust, and attic fan.
- Diamond ($82 per month): This plan covers all 18 appliances included in the Platinum plan plus electronics, exterior water lines, and sewer lines.
As part of AFC Home Warranty’s Diamond Plan sample contract, our team found the company will pay up to $3,000 per contract term for appliance access, diagnosis, repair, and replacement. This is an average coverage amount, based on our research, but some items, like your built-in microwave, only receive $500 in coverage, so read your sample policy closely. System limits also vary based on your chosen plan.
Out of the company’s handful of add-on options, we found the following the most practical for Nevada homeowners:
- In-ground pool and spa: $150 per year
- Septic system: $50 per year
- Stand-alone freezer: $25 per year
- Sump pump: $35 per year
- Well pump: $50 per year
Our Experience Filing Claims
Filing a claim is one of the most stressful aspects of having a home warranty because it means something has broken down in your home, whether it’s your air conditioner, dishwasher, or something else. No homeowner wants to find themselves in this situation. Our team tested each company’s claim filing process to ensure it’s simple and fast because we wouldn’t want to wait for a response on a hot day in Nevada when our air conditioning is down. We tested our top recommendation in the state to learn more.
Our team’s American Home Shield tester needed a repair to fix a leak in a bathroom pipe. He was able to quickly log into his account on a smartphone and filed a claim about the leak. Our tester then received email and text confirmation from American Home Shield confirming his submission. Within five minutes, our tester received a call from a local contractor who offered several appointment times the following day. The contractor was professional and timely, repairing the leak in under two hours and offering suggestions about a mold issue discovered nearby. American Home Shield reimbursed our tester for drywall repairs caused by the leak, and didn’t charge more than the initial service fee of $75. Overall, American Home Shield offered a timely, professional, and simple claims process.
Home Warranty Costs in Nevada
During our research into Nevada home warranty costs, we found most providers charge between $38–$79, or an average of $56 per month, the same rate as the national average.
The following table lists the monthly costs and service fees we were quoted during our research into Nevada home warranty costs.
| Provider | Monthly Cost | Service Fee |
|---|---|---|
| American Home Shield | $20–$90 | $100–$125 |
| Choice Home Warranty | $64–$72 | $100 |
| Elite Home Warranty | $45–$60 | $70 |
| First American Home Warranty | $58–$111 | $100–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
How We Determined Home Warranty Pricing
Our team gathered nearly 4,000 quotes from 13 companies throughout all 50 U.S. states to provide a clear estimate of home warranty costs in Nevada and nationwide. During our secret shopping, we used sample addresses for single-family homes under 4,000 square feet in each state to collect pricing data. For Nevada, we used the address of a single-family, three-bedroom home in Fernley. We then averaged together our quotes to determine an average home warranty price in the state.
Survey Insights from Nevada Homeowners
In 2025, we surveyed 2,000 home warranty customers across the U.S. to understand their experience shopping for and using home warranty plans. Among Nevada homeowners, 64% said air conditioning was the most important home system when considering a home warranty, an important factor considering the state’s hot climate. Refrigerators topped the list of important appliances (39%), followed closely by water heaters (36%).
When it came to add-on coverage, Nevada homeowners prioritized additional coverage for heating and cooling systems, roof leaks, septic tank pumping, and pool or spas. While 39% of Nevada homeowners opted for no additional coverage, almost as many (33%) selected extra coverage for cooling or heating systems, demonstrating the importance of reliable air conditioning in this hot state.
A total of 64% of Nevada homeowners choose American Home Shield for their home warranty provider, backing up our team’s findings that this provider is a top company in the state. Over 75% of Nevada homeowners were either satisfied or very satisfied with their current home warranty plan, suggesting coverage is a good investment in this area.
FAQs About Home Warranties in Nevada
What is the best home warranty in Nevada?
The best home warranty in Nevada is American Home Shield. Our team’s extensive research and secret shopping process found that American Home Shield has the most comprehensive plan options paired with high coverage caps—notably with up to $5,000 in HVAC coverage—which is critical for Nevada homeowners experiencing heat waves.
Do you need a home warranty in Nevada?
A home warranty isn’t required in Nevada legally, but it’s a good investment for homeowners worried about paying for expensive out-of-pocket repairs and replacements around the home. Nevada has scorching temperatures that can wear down your home appliances, especially your air conditioner, which can easily cost up to $7,000 to replace. If you don’t have a sizable home emergency fund, a home warranty offers an alternative to protect yourself financially.
What does a home warranty with $500 limits cover?
A home warranty with $500 in coverage can cover many common household repairs, such as fixing a leaking roof, repairing a washing machine, or repairing air conditioning ductwork. While $500 isn’t enough to cover all repairs or replacements in the home, especially for major systems, it can provide a financial cushion if a more minor component or appliance suddenly breaks. This type of plan may offer a good option for homeowners looking for a home warranty on a budget.
How We Evaluated Home Warranty Providers
We evaluate home warranty providers using a detailed rating methodology to score each company objectively. Our research included secret shopping for quotes, speaking with company representatives, analyzing sample contracts, and conducting consumer surveys. We’ve also purchased home warranty plans and filed claims to give you first-hand experience of these processes and ensure each company is easy to work with.
To determine the top home warranty companies in Nevada, we scored each provider against our review standards to determine an overall score on a 5-point scale:
- Coverage: The best home warranty providers protect a number of standard appliances and home systems and offer coverage within 30 days of signing up. When reviewing companies based on coverage, we also considered Nevada homeowner needs. The state has a desert climate with periods of scorching heat waves, making high coverage caps for HVAC systems important.
- Cost: A home warranty can help you save money by covering pricey replacements and repairs. We assess providers based on monthly premiums, extra charges, and service fees to determine the actual cost of a home warranty. Most of our highest-rated providers charge around $60 per month and have an average service fee of $100.
- Trustworthiness: Nevada home warranty companies with high BBB ratings and no ongoing government lawsuits ranked higher for trustworthiness. We also checked each provider is part of the National Home Service Contract Association (NHSCA).
- Plan transparency: Our team ranked home warranty providers higher for having transparent online pricing, service fee breakdowns, and detailed sample contracts for Nevada that clearly state plan details and coverage caps.
- Customer support: The best home warranty companies have quick response times, multiple customer service options, and online portals that make filing claims simple.
- Flexibility: We look for providers with three or more home warranty plan options and many add-ons so you can customize your coverage to fit your home’s needs without paying for unnecessary protection. Companies that allow you to choose your own repair service technician scored higher in this category.
