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Best Home Warranty Companies in Nevada (2024)

Author Image Written by Dana Getz + 1 other Reviewed by Jacquelyn Kfoury Updated 10/30/2024

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.

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:  

Our table below compares key factors of the top Nevada home warranty companies.

Liberty Home Guard
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American Home Shield
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First American Home Warranty
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Elite Home Warranty
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AFC Home Warranty
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Overall Score

4.4 / 5 4.8 / 5 4.6 / 5 4.6 / 5 4.6 / 5

BBB Rating

NR B B A- B

Monthly Cost

$49–$59 $49–$109 $47–$87 $44–$59 $34–$92

Service Fees

$65–$125 $100–$125 $75–$125 $70 $75–$125

Customer Support Options

Email, Phone, Online Chat, Online Portal Phone, Online Portal Phone, Online Portal Email, Phone, Online Portal Phone, Online Portal

Response Time

Up to 48 hours Up to 48 hours 4–48 hours Up to 48 hours 24-48 hours

Pros

  • Extensive add-on catalog
  • 60-day workmanship guarantee
  • Accessible customer support
  • High coverage caps
  • Preexisting coverage included
  • Bonus discounts on maintenance services
  • Unlimited system coverage
  • Solid add-on catalog
  • Optional upgrade for preexisting condition coverage
  • Higher coverage for high-end appliances
  • 90-day workmanship guarantee
  • Service call fee rolled into annual premium
  • Excellent plan flexibility
  • Technician flexibility
  • Unlimited HVAC coverage

Cons

  • Reviews mention low claim payouts
  • Low coverage caps for electrical and plumbing
  • Higher costs for comprehensive coverage
  • Smallest add-on catalog
  • No AC coverage in the lowest plan
  • Excludes essential appliances from its lowest plan
  • Higher service fee for high-end appliance repairs
  • No workmanship guarantee on repairs by out-of-network technicians
  • Depreciation policy for older items
  • Immediate claim submission required

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.

Promotions

$200 Off + 2 Months Free + Roof Leak Protection $150 Off Any Plan $100 Off with Code “PROTECT” $150 off + 30-day free trial Fall Sale: $250 Off + Free Roof Leak Coverage

Rating Categories

Liberty Home Guard American Home Shield First American Home Warranty Elite Home Warranty AFC Home Warranty

Coverage

2.9 / 5
4.8 / 5
4.9 / 5
3.4 / 5
3.9 / 5

Value

4.8 / 5
3.3 / 5
3.3 / 5
4.3 / 5
3.8 / 5

Trustworthiness

4.3 / 5
3.7 / 5
4 / 5
4.7 / 5
4.3 / 5

Plan Transparency

2.5 / 5
5 / 5
2.5 / 5
3 / 5
3.5 / 5

Customer Support

4.5 / 5
4 / 5
2.8 / 5
3.5 / 5
3 / 5

Flexibility

3.5 / 5
2.5 / 5
3 / 5
4.5 / 5
4 / 5
Company BBB Rating Monthly Cost in NV Service Fee Visit Site
NR** $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
A- $44–$58 $70 VISIT SITE
B $42–$82 $75–$125 VISIT SITE
B $36–$96 $75–$125 VISIT SITE
No results were found.

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.

Why Trust Us? Our review and rating process for the best home warranty companies
13
Companies Considered We carefully considered 13 companies to find the best home warranty providers available.
2000
Homeowners Surveyed We surveyed 2,000 home owners to see what they care about most for home protection.
5700
Reviews Analyzed We went through 5,700 customer reviews of home warranty companies to see what people had to say about each provider.
31
Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

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:

ItemAverage Cost to RepairAverage Cost to Replace

Gas furnace

$30–$150

$3,800–$10,000

Gas ranges

$100–$500

$230–$3,000

Air conditioning

$100–$650

$2,500 and $15,000

Plumbing leaks

$150–$450

$200–$5,000

Roof leaks

$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
4.8 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend American Home Shield (AHS) for Nevada homeowners needing comprehensive system and appliance coverage. Plans include HVAC coverage at every tier and roof-leak protections with the highest plan. 

Monthly Cost: $29–$89

Pros and Cons

Pros Includes HVAC protection with every plan Offers customers a discounted annual HVAC tune-up Provides flexible service call fees Cons Charges higher monthly premiums than many competitors Doesn’t offer many optional add-on choices Limits premium options to monthly charges only

Plans and Cost

After reading the American Home Shield sample contract, we learned that Nevada homeowners receive HVAC protection in every plan tier. However, roof-leak coverage only comes with the highest plan, ShieldPlatinum. You must add the roof-leak add-on to obtain coverage with the other plans. All repairs include a 30-day workmanship guarantee. 

We’ll explain American Home Shield’s coverage plans below:

  • ShieldSilver: This plan protects major home systems, including heating, cooling, and electrical. Covered items receive a $5,000 coverage cap for covered items. 
  • ShieldGold: The next plan tier includes major home systems and appliances, such as ductwork and dishwashers. You receive a $5,000 system cap and a $2,000 cap for appliances. 
  • ShieldPlatinum: The highest plan tier includes ShieldGold coverage plus additional protections, such as roof leaks and HVAC tune-ups.  Your appliance coverage cap doubles to $4,0

Our sample quote included two service call fee options: $100 or $125. When we selected the lower fee, our premium charges increased. In addition, our quote didn’t include annual pricing. Many providers offer annual pricing that includes added discounts and free months of service. AHS only provides monthly premiums.

We’ve detailed American Home Shield prices below:

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$29.99–$39.99

$100–$125

$5000

ShieldGold

$49.99–$59.99

$100–$125

Systems: $5,000
Appliances: $2,000

ShieldPlatinum

$79.99–$89.99

$100–$125

Systems: $5,000
Appliances: $4,000

American Home Shield has fewer add-ons than other reviewed providers. Other competitors provide a minimum of eight or more options. You can add roof-leak coverage for $10 per month to the two lowest plans. AHS offers competitive add-on pricing, with coverage ranging from $4.99–$21.99 monthly. 

AHS includes the following add-on options for its plans:

  • Electronics protection plan
  • Guest unit 
  • Pool and spa
  • Septic pump
  • Well pump

Our Experience With American Home Shield

Our team member tested AHS by filing a claim for his leaky bathroom pipe. Here’s a summary of his experience:

  • He received a text and email confirmation after filing his claim online.
  • He could not choose his own technician as AHS uses its own network of preapproved technicians.  
  • He confirmed a next-day appointment with a technician within five minutes of receiving his confirmation. 
  • Repairs took two hours, and he was only charged the service call fee.

AFC Home Warranty

Best Technician Flexibility
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend America’s First Choice Home Warranty (AFC Home Warranty) for Nevada homeowners who want extended protections for their HVAC systems. The company offers four plans, three service fees for better customization, and an unlimited workmanship guarantee on all repairs.  

Monthly cost: $36–$96

Pros and Cons

Pros Includes free-roof leak protection as an add-on for every plan Offers a plan-length workmanship guarantee Provides unlimited caps for HVAC systems Cons Excludes coverage for unknown preexisting conditions Limits electrical and plumbing coverage to $500 May take up to 48 hours to respond to a claim

Plans and Cost

After reading through the AFC Home Warranty sample contract, we learned that you receive an unlimited cap for HVAC systems with three of the four available plans. We should note that thermostats only receive an $80 limit. We also discovered that AFC Home Warranty reduces coverage caps for items based on age. Items five years or older receive a lowered cap based on their depreciated value. We don’t recommend these plans for Nevada homeowners with older systems and appliances.

Here are the details of AFC Home Warranty’s coverage plans:

  • Silver Plan: The lowest plan includes appliance-only coverage, such as cooktops, garbage disposals, and refrigerators. You receive a $3,000 cap for all appliances.
  • Systems Plan: This system-only plan includes HVAC, electrical, and water heaters. You receive unlimited coverage caps for your home systems. 
  • Gold Plan: The next plan tier combines Silver and System Plan coverage. All coverage caps remain the same. 
  • Platinum Plan: The highest includes Gold Plan coverage and adds additional coverage, such as faucets, ice makers, and plumbing stoppages.

AFC Home Warranty offers both annual and monthly plan premiums. You received perks for choosing an annual plan. With a one-year plan, you receive a $100 discount. You get a $250 discount with a three-year commitment. AFC Home Warranty allows you to choose a $75, $100, or $125 service call fee.

Here are the details of AFC Home Warranty’s coverage plans:

Plan

Monthly Cost

Service Fee

Coverage Cap

Silver Plan

$36.33–$39.08

$75–$125

$3,000

Systems Plan

$48.50–$53.17

$75–$125

Appliances: $3,000

Systems: Unlimited

Gold Plan

$53.17–$57.92

$75–$125

Coverage caps remain the same

Platinum Plan

$87.75–$96.50

$75–$125

Coverage caps remain the same

AFC Home Warranty provides 13 add-on options for its plans. Pricing starts at $25 and runs as high as $150 per year. You can add roof leak protection to any plan at no additional cost.

Here’s a sample of available add-on options:

  • Double oven
  • Electronic coverage
  • In-ground pool and spa
  • Septic system
  • Sump pump

Our Experience With AFC Home Warranty

Based on our sample quote, we learned that AFC Home Warranty lets you choose your own technician for repairs. This is a rare feature, as most home warranty providers use their own network of repair technicians. The company also offers unique perks to its customers, such as free identity monitoring, emergency alerts, and free credit monitoring. 

First American Home Warranty

Best for High-End Items
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend First American Home Warranty for Nevada homeowners seeking higher coverage caps for high-end items. The company offers unlimited coverage caps for HVAC and up to $7,000 for appliances with its highest plan. 

Monthly cost: $42–$82

Pros and Cons

Pros Covers working home systems and appliances regardless of age Includes up to $7,000 for appliances under its highest plan Provides unlimited coverage cap on heating, cooling, or ductwork coverage Cons Charges slightly higher monthly premiums compared to other providers Does not protect some major home systems under its lowest plan Offers central air conditioning in the Starter Plan as an add-on

Plans and Cost

When we read through the First American’s sample contract, we discovered that the company offers unlimited coverage for most built-in systems, such as HVAC. Water heaters only receive a $1,000 cap. Roof leak coverage comes with the Premium Plan, which is its highest coverage plan. In addition, the Starter Plan only covers heating, not cooling systems. You must add the central AC add-on option for coverage. 

Below is a breakdown of each First American coverage plan:

  • Starter Plan: This plan protects a mix of home systems and appliances, including heating, electrical, and dishwashers. The plan includes a $3,500 appliance cap and unlimited coverage for built-in systems. 
  • Essential Plan: The next plan tier includes the Starter Plan coverage and adds more essential items, such as air conditioning and water heaters. Coverage limits remain the same. However, water heaters have a $1,000 limit.  
  • Premium Plan: The highest plan includes Essential Plan coverage and adds protection for luxury appliances, window air conditioning units, and full garage door systems. Your appliance coverage increases to a $7,000 cap. 

First American offers monthly and annual premiums but doesn’t offer additional bonuses for selecting an annual plan. The company includes three service fees of $75, $100, or $125. Our premium costs were lowered when we adjusted our sample quote for the higher service fee.

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$42.00–$57.00

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$52.00–$67.00

$75–$125

Systems: Unlimited (Water heaters: $1,000)

Appliances: $3,500

Premium Plan

$67.00–$82.00

$75–$125

Systems: Remain the same Appliances: $7,000

Here’s an overview of First American’s monthly rates and fees:

First American includes 12 add-on options with its plans. HVAC protections include central AC for $8.33 and tuneups for $2.08. You’ll pay $8.33 monthly for roof-leak coverage for the two lowest plans. The Premium Plan includes all three protections at no extra cost. 

Additional add-on options include the following items:

  • Pool and spa equipment
  • Septic tank pumping/systems 
  • Water softeners
  • Well pumps

Our Experience With First American Home Warranty

Our team member submitted a First American claim for his home and shared his experience:

  • He submitted an online claim and received a text confirmation with his technician’s contact information.
  • Within 30 minutes, we confirmed a technician appointment.
  • He submitted a claim on a Friday and received an appointment for the following Monday. 
  • The repairs took 30 minutes, and he only paid the service call fee.

Elite Home Warranty

Best for Customized Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee (a lower service call fee than many providers) and 27 add-on options.

Monthly cost: $44–$58

Pros and Cons

Pros Includes a 90-day workmanship guarantee for completed repairs Offers higher coverage limits for high-end appliances Rolls your service call fee into your annual premium, avoiding a per-claim charge Cons Charges a higher service call fee for high-end appliance repairs Excludes workmanship guarantee on repairs done with an out-of-network technician Requires you to call for a quote

Plans and Cost

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.

We recommend reading through the sample contract or getting a quote for full details on coverage caps. 

Below are the details of Elite’s coverage plans:

  • Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit. 
  • Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.  
  • Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection. 

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.

More details on Elite’s plans and pricing can be found in the table below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Elite Appliances

$44.49

$70

Varies per Item

Elite Systems

$49.99

$70

Varies per Item

Elite Complete

$58.99

$70

Varies per Item

Elite offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term. 

We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:

  • Annual maintenance
  • Drainage, sewer, and water service lines
  • Pool and spa equipment
  • Geothermal heating and cooling systems
  • Guest house
  • Septic system

Our Experience with Elite Home Warranty

One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Here’s a summary of his experience:

  • He submitted his claim online and received an Elite claims specialist call within 30 minutes. 
  • He received a next-day appointment for his repair. 
  • The technician arrived on the assigned day but realized the repair would require out-of-stock parts. 
  • After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
  • The technician completed the repairs within an hour.

Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. If you choose your own repair technician, Elite will pay them for labor at an hourly rate not to exceed the standard hourly rate in your area. You won’t receive any workmanship coverage from Elite if you choose your own technician. However, the local technician should provide their own workmanship guarantee, likely around 30 days.


Liberty Home Guard

Best Customer Support
4.4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Liberty Home Guard (LHG) for Nevada homes with multiple AC units and options for system-only coverage. The company offers three plans with appliance-only, system-only, and comprehensive coverage, plus 38 add-on options, such as roof-leak protection. 

Monthly cost: $49–$59

Pros and Cons

Pros Backs repairs with a 60-day workmanship guarantee, twice the industry standard Includes heating and cooling coverage under two standard plans Offers protection for two air conditioning units Cons Can take up to 48 hours for a claim response Does not let you choose your own service provider Requires immediate claim filing when an issue arises

Plans and Cost

When we read through the Liberty Home Guard sample contract, we found out that HVAC coverage comes with two of its plans: System Guard and Total Home Guard. Both plans include a $2,000 with options for coverage for two AC units, a common setup in many Nevada homes. While items receive a $2,000 limit, plumbing and electrical are capped at $500. Homeowners can choose from specialized plans or a comprehensive option for both appliances and systems. 

We’ve detailed LHG’s plans below:

  • Appliance Guard: This appliance-only plan protects essential appliances, including built-in microwaves, clothes washers, and cooktops. Covered items receive a $2,000 coverage limit. 
  • Systems Guard: The next plan covers six built-in systems, including air conditioning, heating, and electrical. While most systems receive a  $2,000 limit, plumbing and electrical receive a $500 cap. 
  • Total Home Guard: The highest plan tiers offer coverage from the Appliance Guard and Systems Guard combined. All caps remain the same. 

LHG offers monthly and annual premium options. You receive two free months of service with an annual plan. Based on our sample quote, annual plans cost between $499 and $599 per year. 

We’ve detailed LHG’s monthly costs and service call fees below: 

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing & electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

LHG offers 38 add-on options to customize your plan. Expect to pay $11.99 per month to add roof-leak coverage. When we pulled a sample quote, LHG included recommendations based on Nevada homeowners. The items below are the most popular add-ons for the state: 

  • Limited roof-leak coverage
  • Ice maker (in-fridge)
  • Pool and spa
  • Stand-alone freezer
  • Water softeners

Our Experience With Liberty Home Guard

When reviewing the Liberty Home Guard contract, we couldn’t find clear details on the service call fee. We called the customer support line to ask more clarifying questions. The LHG representative explained that the company determines your service call fee based on your location, plan selection, and add-on options. This policy differs from other providers that offer standard service call fees for all users. This policy makes estimating your final costs while shopping for a provider is difficult.

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. 

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