Best Home Warranty Companies for Furnaces (2024)

Written by Dana Getz + 1 other Reviewed by Jacquelyn Kfoury Updated 06/23/2024

Dana Getz

Dana Getz is an experienced content manager with more than a decade of publishing experience across various industries. She has spent the last several years covering home services, specializing in home warranty recommendations and helping consumers make informed purchasing decisions.

Expertise an…

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Jacquelyn Kfoury

Jacquelyn Kfoury has more than 20 years of experience in the home services industry. She has expertise in consumer and commercial warranties, service contracts, claims processing, and repair fleet services. She began her career in telecom warranty management at Motorola before transitioning to S…

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Without adequate furnace coverage, you risk expensive repair costs and no heat during the frigid winter months. Investing in a home warranty with furnace protection ensures access to emergency repair or replacement services, keeping your home cozy and comfortable all year.

We researched 13 of the best home warranty companies in the industry to find the top options for furnace protection. We recommend Liberty Home Guard (LHG) as the best furnace warranty provider because it covers up to $2,000 per repair and includes second furnace coverage in its standard plan. Discover how you can protect your furnace and our list of top picks for coverage.

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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.

Best Customer Support Best Customer Support

35+ unique add-onsWorkmanship guaranteeNo contract commitment

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$200 Off + 2 Months free + Free Roof Leak Coverage

Best for Comprehensive Coverage Best for Comprehensive Coverage

High coverage capsPreexisting coverage includedBonus discounts on maintenance services

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$150 Off Any Plan

Best Basic Plan Best Basic Plan

$3,000 caps for most itemsBundles plans priced under $60 Claims processing within 4 hours

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$50 Off + 1 Month Free!

Best for Customized Coverage Best for Customized Coverage

Higher coverage for high-end appliances90-day workmanship guarantee Service call fee rolled into annual premium

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$150 Off + 30-Day Free Trial

Top Home Warranty Companies for Furnace Coverage

• Best Customer Support: Liberty Home Guard
• Best for Comprehensive Coverage: American Home Shield
• Best Budget Plan: Select Home Warranty

Compare Home Warranties for Furnaces

American Home Shield Visit Site
Liberty Home Guard Visit Site
Select Home Warranty Visit Site
Overall Score We use extensive first-party research, secret shopping, and firsthand testing to evaluate companies on key factors. We then develop a numeric score for each brand to determine an overall score.	4.8 / 5 #1 out of 16 companies	4.4 / 5 #2 out of 16 companies	3.7 / 5 #3 out of 16 companies
BBB Rating The Better Business Bureau (BBB) is an organization that sets and maintains high ethical standards for businesses throughout the U.S. and Canada. A company’s BBB rating reflects its general treatment of customers and compliance with the organization.	B	NR	B-
Monthly Cost	$49–$109	$49–$59	$44–$47
Service Fees A service call fee is the amount the homeowner pays every time a technician comes to their home to complete a service. The fees are a set amount and typically range from $65 to $125.	$100–$125	$65–$125	$60–$75
Customer Support Options	Phone, Online Portal	Email, Phone, Online Chat, Online Portal	Email, Phone, Online Portal
Response Time After a homeowner files a claim, home warranty response times typically range from 24 to 48 hours or more. Some companies guarantee a response time of fewer than 24 hours.	Up to 48 hours	Up to 48 hours	48-84 hours
Pros Company or plan features that are generally beneficial to most consumers	High coverage caps Preexisting coverage included Bonus discounts on maintenance services	Extensive add-on catalog 60-day workmanship guarantee Accessible customer support	Low-cost plan options High HVAC coverage Free roof leak protection
Cons Elements of the company or its plans that some buyers may consider disadvantages	Higher costs for comprehensive coverage Smallest add-on catalog	Reviews mention low claim payouts Low coverage caps for electrical and plumbing	Low coverage caps for other items No service call fee flexibility
Summary This is a brief overview of our thoughts on each company.	We recommend American Home Shield for homeowners who need comprehensive coverage for older homes.	We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations.	We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage.
Promotions Some home warranty companies offer special discounts to make protecting your home systems and appliances more affordable. We’ve listed current promotional offers for each of our reviewed providers. These are national-level promotions; branch offices may offer varying deals.	$150 Off Any Plan	$200 Off + 2 Months Free + Roof Leak Protection	Use code HOUSE25 for $150 off + 2 months free
Rating Categories We researched and scored 13 home warranty providers against our 100-point rating system. We divided each company’s score by 20 to determine our 5-star ratings. Our ranking factors cover the criteria homeowners find most important when shopping for a home warranty: coverage, value, trustworthiness, plan transparency, customer support, and flexibility.	American Home Shield	Liberty Home Guard	Select Home Warranty
Coverage Comprehensive coverage allows homeowners to save more on repair and replacement costs. We awarded providers points for offering generous coverage caps, unique coverage options, and no annual cap limits. We deducted points for coverage waiting periods of more than 30 days.	4.8 / 5	2.9 / 5	2.1 / 5
Value To determine the value of a home warranty, we considered each provider’s average monthly costs, service call fees, and billing options. Points were deducted for charging extra fees for certain services and repairs.	3.3 / 5	4.8 / 5	4.8 / 5
Trustworthiness Trustworthiness ratings were calculated based on average customer review scores, length of workmanship guarantees, and membership in trusted trade organizations. We deducted points for any brands with ongoing lawsuits. These factors help us separate legitimate home warranty providers from scammers.	3.7 / 5	4.3 / 5	3.7 / 5
Plan Transparency Transparent home warranty providers offer detailed disclosures on coverage, service call fees, and exclusions on their websites. We also awarded points to companies that provide sample contracts with thorough information on plan policies.	5 / 5	2.5 / 5	2.5 / 5
Customer Support We awarded points to home warranty providers that make it easy for homeowners to get in touch via multiple customer contact methods. Companies also earned points for quick claims response times and widespread state availability.	4 / 5	4.5 / 5	3 / 5
Flexibility Providers earned points for flexibility by offering more plans and add-ons. This helps homeowners customize their home warranty plans to meet their needs. We also awarded points to companies that allow customers to choose their own technician, pick a service call fee, and cancel after 30 days.	2.5 / 5	3.5 / 5	2.5 / 5

How Much Does a Furnace Home Warranty Cost?

Based on our research, a furnace home warranty typically costs $52 per month but can range between $35 and $65. Most companies bundle furnace coverage with air conditioning protections, offering combined HVAC coverage. Your plan type will also affect final costs. For example, some companies offer system-only coverage, focusing only on protections for major home systems. Choosing a more specialized plan helps reduce costs, as comprehensive plans are typically higher due to their coverage for systems and appliances. You’ll also avoid paying for coverage you don’t need.

Many homeowners invest in a home warranty primarily to safeguard their heating systems, a fact we learned in our most recent survey. We asked 1,000 home warranty plan holders which systems and appliances they prioritized for home warranty coverage. We found that 55.8% opted for coverage to protect their furnaces and heating equipment. 

This is understandable given the potential costs associated with furnace repairs and replacements. Furnace repair bills can quickly add up, costing $150 or higher depending on the severity of the repair. However, furnace replacements are even higher. You could pay $2,000–$7,000 for a new electric furnace and $5,000–$13,000 for a gas furnace. 

Home warranties help offset these costs by reducing or eliminating repair and replacement expenses. They also connect you to qualified technicians, helping you restore your system in less time.

Reviews of the Best Home Warranty Companies for Furnaces

Below are our top picks for home warranty protection for furnaces. 

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.

Liberty Home Guard has been providing service to customers since 2017 and is our pick for best customer ratings due to its solid consumer reviews on sites such as Google Reviews and Trustpilot. LHG also offers a 60-day workmanship guarantee per completed repair.

Why It’s Great for Furnaces

Liberty Home Guard provides coverage for heating and air conditioning units and all mechanical components necessary to operate your systems. LHG covers up to $2,000 per repair and includes second heating system coverage within standard plans. Most standard homes have one furnace or offer second-unit coverage as an add-on.

Plans and Prices

Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Home Guard. It prices its service call fees from $65 to $125 per claim. LHG assigns your service call fee based on your home’s size, type, location, and your plan selections.

Here is a table comparing Liberty Home Guard’s plans and pricing:

Plan	Monthly Cost	Service Fee	Coverage Cap
Appliance Guard	$49.99	$65–$125	$2,000
Systems Guard	$54.99	$65–$125	$2,000 (Plumbing and electrical: $500)
Total Home Guard	$59.99	$65–$125	Coverage caps remain the same

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.

American Home Shield (AHS) is one of the most experienced companies in the home warranty industry. It covers every state except Alaska and Hawaii. It has a nationwide network of more than 15,000 professionals to assist with home repairs and replacements. Additionally, American Home Shield has three comprehensive coverage plans and allows AHS customers to choose their own service fee between $75, $100, and $125.

Why It’s Great for Furnaces

AHS covers furnaces that break down due to normal wear and tear in addition to damage from rust, corrosion, sediment, unknown preexisting conditions, improper installation, and insufficient maintenance. AHS includes a $5,000 coverage cap for heating systems in its ShieldSilver and ShieldGold plans. 

Plans and Prices

AHS offers three home warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum. You can choose a $75, $100, or $125 service fee. The higher your service fee, the lower the monthly premium you’ll pay.

Here is a table to compare plans and pricing for American Home Shield:

Plan	Monthly Cost	Service Fee	Coverage Cap
ShieldSilver	$29.99–$39.99	$100–$125	$5,000
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

Select Home Warranty

Best Budget Plan

3.7 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.

Select Home Warranty provides some of the most affordable premiums and service call fees in the industry. Additionally, it offers discounts on multi-year coverage plans. Another major perk Select offers is free roof-leak coverage per plan. Most providers charge an additional fee for roof-leak coverage.

Why It’s Great for Furnaces

Select’s Gold Care and Platinum Care plans cover furnace and HVAC repairs with a $3,000 HVAC cap. Specifically, a Select plan covers all components of a primary heating system necessary for the system’s functionality, including condenser fan motors, compressors, thermostats, and pressure switches. The company also offers a 30-day workmanship guarantee.

Plans and Prices

Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care. Only the Gold Care and Platinum Care plans cover heating systems such as furnaces, while Bronze Care covers major appliances only. Additionally, Select charges customers a $60–$75 service call fee per claim. Similar to LHG, Select assigns its service call fees. 

Here is a table comparing Select Home Warranty’s pricing and plans:

Plan	Monthly Cost	Service Fee	Coverage Cap
Bronze Care	$44.42	$60–$75	$500
Gold Care	$44.42	$60–$75	$500 (HVAC: $3,000)
Platinum Care	$47.75	$60–$75	Coverage caps remain the same

Note: We based the pricing above on sample quotes obtained from a 1,800-square-foot, single-family home in San Antonio, Texas. Your pricing may vary depending on your home’s location, size, type, and plan selections.

Annual 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 between them.

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.

Why Should You Cover Your Furnace?

To ensure your furnace is protected at all times, consider investing in a home warranty. Home warranties cover repairs to your system if it breaks down unexpectedly. Not only will a home warranty protect your system and prevent you from paying expensive out-of-pocket costs, it also sends a trusted contractor to your home to perform the repairs for you, preventing you from having to find a technician on your own.

Additionally, a home warranty can protect a variety of systems and appliances, including your air conditioner, clothes washer, venting, and ductwork, providing you with comprehensive coverage for your most important home items. For a detailed explanation of a home warranty, explore the specifics in our article.

We recommend requesting free quotes from the home warranty companies listed in this article so you can compare coverage and pricing options and find a plan that works best for your furnace protection needs.

Related Resources

• Best Home Warranty Companies for HVAC
• The Cheapest Home Warranty Companies

Our 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.ews Team at reviews@thisoldhousereviews.com.