Best Home Warranty Companies in Nevada (2024)

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:

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 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.

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:

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

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. 

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.

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 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.

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:

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

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.

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: 

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

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.