We selected American Home Shield and Choice Home Warranty as the best home warranty companies in Alabama. American Home Shield is our top pick because it has extensive industry experience and offers high coverage limits. Likewise, Choice Home Warranty has some of the cheapest rates in the industry with full home coverage for $67 or less per month, making it a good option for budget-conscious buyers.
Alabama homeowners face hot and humid summers, which makes air conditioning coverage a must-have in the state. Similarly, Alabama can get a lot of rainfall, especially in areas close to the Gulf Coast, which could result in more roof leaks over time. America Home Shield includes roof leak protection with certain plans, and most other companies offer this coverage as an add-on for an extra monthly cost. Read on to learn more about our top picks and see which provider is right for you.
Key Takeaways
- American Home Shield ranks as our top home warranty provider in Alabama. Our 2025 survey of home warranty planholders nationwide found that 32% of state residents also chose American Home Shield, making it the most popular provider in the state.
- Home warranty costs in Alabama typically range from $31–$73 per month or $361–$854 per year, based on our quotes.
- Our survey revealed that 36% of Alabama homeowners purchased a home warranty plan specifically to protect their air conditioning, highlighting this system as a top priority.
Top Home Warranty Companies in Alabama
Here’s a list of our top-rated home warranty providers in Alabama:
- 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
The table below compares our top home warranty picks for Alabama based on key factors such as monthly costs, Better Business Bureau (BBB) ratings, and workmanship guarantee, which ensures follow-up service if repairs or replacements fail over a certain period of time.
| Company | Logo | Our Score (Out of 5) | Monthly Plan Cost* | Service Call Fee | BBB Rating** |
|---|---|---|---|---|---|
American Home ShieldGet Quote |  | $36–$100 | $100–$125 | B | |
Choice Home WarrantyGet Quote |  | $60–$68 | $100 | B | |
Elite Home WarrantyGet Quote |  | $45–$60 | $70 ($150 for after hours and weekends) | B | |
First American Home WarrantyGet Quote |  | $77–$130 | $100–$125 | B | |
AFC Home WarrantyGet Quote |  | $44–$82 | $75–$125 | B |
*Pricing may vary depending on your home’s location, size, and type and your plan choices.
**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 Alabama
Alabama has a humid subtropical climate and can get very hot in the summer, but the state also receives year-round rain because of its location on the Gulf Coast. When we ranked the top home warranty providers in the state, we paid close attention to plan options that can benefit Alabama homeowners with coverage for air conditioners and roof leaks. Read on to learn more about our top picks.
American Home Shield
Coverage Overview
- Offers a plan covering major home systems for as low as $20 per month
- Covers unknown, pre-existing issues
- Repairs items even if you don’t have maintenance records
Keep in Mind
- Only has six add-on options, which can limit coverage customization
- Doesn’t offer appliance-only plans
Our Review
With over 50 years of experience in the industry, American Home Shield (AHS) is a seasoned home warranty provider in Alabama. The company offers three plans, with rates for systems-only coverage that start at only $19 per month. American Home Shield’s other plans have plenty to offer as well. The ShieldGold plan offers comprehensive coverage of systems and appliances for as low as $29 per month, making it one of the most affordable full-coverage plans on our list. While the ShieldPlatinum plan is more pricey at around $82 per month, it offers perks like roof leak repair coverage and unlimited air conditioner (AC) refrigerant, both beneficial considering Alabama’s hot summers and high precipitation levels.
However, American Home Shield doesn’t offer much in terms of coverage customization. It only has six add-ons, and there’s no option for an appliance-only plan, which can limit how much freedom you have to pick and choose your coverage options. Still, the company covers unknown, pre-existing issues, so you can have more peace of mind than with other companies that exclude these types of breakdowns.
Plan Details and Cost
American Home Shield offers the following plans in Alabama:
- ShieldSilver ($19 per month): This plan covers home systems like your HVAC, plumbing, and electrical.
- ShieldGold ($29 per month): This plan covers everything in the ShieldSilver plan and kitchen and laundry appliances.
- ShieldPlatinum ($87 per month): This plan covers everything in the previous two plans, plus extras like roof leak repairs, a free HVAC tune-up, unlimited AC refrigerant refills, and code violations and permits.
The company’s coverage limits meet industry standards, with up to $5,000 for HVAC systems and up to $4,000 for home appliances, depending on what plan you choose. For more details on specific coverage limits for each item, including add-ons, read an American Home Shield sample contract before purchasing a policy.
American Home Shield offers customers the choice between a $100 or $125 service call fee—due each time you have a service appointment—which can increase or decrease your monthly rate by about $10. The company only offers six add-ons, including these particularly beneficial coverages for Alabama homeowners:
- Electronics protection plan
- Guest unit
- Roof leak repair
- Septic pump
- Well pump
Choice Home Warranty
Coverage Overview
- Offers full home coverage for less than $70 per month
- Guarantees contact with service technicians within four hours of customers filing a claim
- Includes $3,000 coverage limits for most covered items
Keep in Mind
- Currently involved in a class-action lawsuit with the Arizona Attorney General
- No flexible service fees for pricing customization
Our Review
Choice Home Warranty offers some tempting perks for Alabama residents, including a full home coverage plan for around $67 per month, 10 add-on options, and $3,000 coverage limits for most appliances and home systems. This makes Choice one of the most affordable providers in the home warranty business, offering higher coverage limits and lower monthly rates than industry leaders such as Liberty Home Guard.
However, Choice is currently involved in a class-action lawsuit with the Arizona Attorney General alleging that the company misled customers and avoided paying for claims. Despite this, the company currently has plenty of positive reviews on third-party review sites such as Trustpilot and Google Reviews. Still, reliability matters, so it’s important potential buyers know about Choice’s legal standings.
Plan Details and Cost
Choice Home Warranty offers the following plans in Alabama:
- Basic Plan ($60 per month): This plan covers essential home systems and appliances but excludes refrigerators, air conditioning, washers, and dryers.
- Total Plan ($67 per month): This plan covers everything in the Basic Plan and adds coverage for refrigerators, air conditioning, washers, and dryers.
Choice Home Warranty offers $3,000 coverage limits for most appliances and home systems. Some items, including well pumps, roof leaks, septic systems, ice makers, sprinkler systems, and trash compactors, have limits of $500 or less. We recommend reading the Choice Home Warranty sample contract so you’re aware of coverage limits and exclusions.
- Additional spa
- Central vacuum
- Limited roof leak
- Pool and spa
- Second refrigerator
- Septic system
- Septic tank pumping
- Stand alone freezer
Elite Home Warranty
Coverage Overview
- Offers affordable comprehensive coverage for less than $60 per month
- Allows customers to customize their own plan
- Charges a flat-rate service fee of $70
Keep in Mind
- Customers must call the company to get a personalized quote
- Limits total coverage to $300 for the first 90 days of your contract term
Our Review
Elite Home Warranty is a unique option within the home warranty industry because of its customizable plan options and affordable service fees. While other companies may boast customizable add-on coverage, Elite is the only provider on this list that lets you hand-pick your own policy from scratch. That means you only pay for what you need and nothing more. Or, you can choose from one of the company’s three pre-set plan options, with systems-only, appliance-only, and comprehensive coverage available.
Likewise, Elite’s $70 service fee is less than what most competitors charge, and its comprehensive coverage starts at $60 per month, making it one of the more affordable options on our list. Plus, Elite charges a $70 flat-rate service fee for all members regardless of their chosen plan or location.
Plan Details and Cost
Elite Home Warranty offers the following plans in Alabama:
- Elite Appliances ($45 per month): This plan covers eight essential appliances, like ovens, washers, dryers, and more.
- Elite Systems ($50 per month): This plan covers eight major home systems, including heating systems, air conditioning, plumbing, and electrical.
- Elite Complete ($60 per month): This plan covers all the appliances and home systems in the previous two plans.
Elite Home Warranty has a lot of fine print in its sample contract, including details on coverage limits. For example, refrigerators have a limit of $3,000, but ovens have a limit of $2,000, and dishwashers have a limit of $1,500. Since coverage limits vary by item, it’s important to read an Elite sample contract so you’re aware of the different amounts. Elite also has a 30-day waiting period like most home warranty companies, but limits coverage to $300 for all claims within the first 90 days.
Elite has 30 add-on options, which is second on our list only to Liberty Home Guard. We’ve listed the most relevant options for Alabama homeowners below:
- Generator
- Guest house
- Hot tub
- Lawn sprinkler system
- Trash compactor
First American Home Warranty
Coverage Overview
- Includes no coverage caps on most major home systems
- Extends appliance coverage limits of up to $7,000, the highest amount on our list
- Covers appliances and systems of any age, as long as the item is in working condition
Keep in Mind
- No option to cover only appliances or home systems
- Charges higher prices than many competitors we’ve reviewed
Our Review
First American Home Warranty is one of the best home warranty companies when it comes to coverage limits, going above and beyond industry norms. Most providers offer around $2,000 per appliance and $5,000 for expensive systems like your HVAC, but First American offers $3,500–$7,000 per appliance depending on your plan and unlimited coverage for most home systems. Its plans cost more than most competitors, especially the highest-tier Premium Plan, but homeowners with expensive appliances may find the extra coverage worth it.
However, First American doesn’t cover cooling systems on its lowest-tier plan, which may not work for Alabama homeowners worried about air conditioning coverage in the state. However, you can buy one of the company’s other two plans for this important protection.
Plan Details and Cost
First American Home Warranty offers the following plans in Alabama:
- Starter Plan ($52–$57 per month): This plan covers basic appliances and home systems like plumbing systems, heating, electrical, ovens, and dishwashers.
- Essential Plan ($67–$72 per month): This plan covers everything in the Starter Plan, plus air conditioners, washers, dryers, water heaters, and garage door openers.
- Premium Plan ($87–$92 per month): This plan covers everything in the previous two plans but with added extras like luxury appliances, faucets, and full garage door systems.
First American’s coverage limits vary by item and plan, so it’s important to read a company sample contract to learn the specifics of your coverage. For example, most appliances have coverage limits of $3,500 in the Starter and Essential plans, but that limit jumps up to $7,000 on the Premium Plan. There are also some exclusions for geothermal, water-source heat pumps, and oil furnaces that bring the HVAC coverage limit down to $1,500.
Customers can pick from two service fee options of $100 or $125, which can change your monthly rate by $5, based on our quotes. First American has 11 different add-ons to choose from, and we listed relevant options for Alabama homeowners below:
- Central air conditioning
- Limited roof leak
- Septic system
- Water softener
- Well pump
AFC Home Warranty
Coverage Overview
- Lets customers choose their own technicians, a unique benefit in the industry
- Extends the longest workmanship guarantee in the industry with plan-length coverage
- Offers discounts if you pay for a year term in full
Keep in Mind
- Doesn’t offer as many add-ons as companies such as Elite Home Warranty
- Has low coverage limits for certain items, such as plumbing and electrical systems
Our Review
AFC Home Warranty may not sell plans with the highest coverage limits compared to other providers, but the company allows customers to choose their own technicians and extends a plan-length workmanship guarantee. Being able to choose a technician you trust is a major perk if you already have an established local service provider. Similarly, a lifetime workmanship guarantee offers peace of mind by covering repairs that fail to solve the issue. These factors make AFC Home Warranty one of our top picks in Alabama.
AFC Home Warranty has decent coverage limits overall, except for plumbing and electrical systems, which include $500 caps per term. Still, the company covers $3,000 for most appliances and has limitless coverage for HVAC systems, which can make up for lower limits on other items in Alabama.
Plan Details and Cost
AFC Home Warranty offers the following plans in Alabama:
- Gold Plan ($44 per month): This plan covers 15 home systems and appliances, including your HVAC, kitchen and laundry appliances, plumbing, and electrical.
- Platinum Plan ($51 per month): This plan covers everything in the Gold plan, but adds coverage for ceiling fans, exhaust, attic fans, and more.
- Diamond Plan ($82 per month): This plan covers everything listed under the previous two plans plus smartphones, home electronics, and exterior sewer and water lines.
AFC Home Warranty’s sample contract has a lot of fine print, so it’s important to read the document in its entirety. For example, under the HVAC coverage restrictions, the contract mentions that AFC Home Warranty doesn’t cover window units, portable units, non-ducted wall units, oil-based boiler systems, and more. It’s important to make sure your unit is covered before you sign up for a plan.
AFC has two service fee options of $75 or $125, which can make a $7–$8 difference in your monthly rate. The company only offers eight add-on options, including unique options like electronics coverage. We’ve listed relevant add-on options for Alabama residents below:
- Electronics
- In-ground pool
- Roof leak coverage
- Stand-alone freezer
- Sump pump
Our Experience Filing Claims
Our team decided to purchase policies and make claims ourselves to give readers a more accurate representation of what a home warranty is and how the claims process works. For example, our American Home Shield tester filed a claim for a leak in his bathroom and kitchen floor online. He filled out his information on his smartphone and got a call from a local contractor within minutes.
The contractor offered our tester several appointment times for the next day, and when they showed up to fix the issue, the contractor finished the job within two hours. Our tester filed several more claims over a six-year period with American Home Shield and never had to wait more than one day for repairs. His policy increased in price twice during that time, but aside from his monthly rate, our tester never had to pay more than a $75 service fee for repairs. While each customer’s experience may differ, this example is a representation of how top-rated home warranty companies work and the benefits offered to homeowners.
Home Warranty Costs in Alabama
Based on our quotes, the cost of a home warranty in Alabama ranges from $31–$73 per month, with an average rate of $48 per month. This is below the national average of $56 per month. Keep in mind that these figures represent estimates, and your individual rate may vary based on where you live, what plan you choose, and if you purchase any add-on coverage. Compare our top-rated companies based on average monthly pricing below:
| Provider | Average Monthly Cost* | Selected Service Fee |
|---|---|---|
| American Home Shield | $19–$87 | $100–$125 |
| Choice Home Warranty | $60–$67 | $100 |
| Elite Home Warranty | $45–$60 | $70 |
| First American Home Warranty | $52–$92 | $100–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
How We Determined Home Warranty Pricing
To estimate home warranty costs in Alabama and nationwide, we gathered over 4,000 quotes from 13 home warranty companies across all 50 U.S. states. Our samples included single-family homes, both under and over 5,000 square feet, in a mix of urban and rural areas in Alabama, including cities like Abbeville, Birmingham, Hoover, and Montgomery. We also collected data from similarly sized homes across the country. By averaging these costs, we determined state and national price ranges for home warranty coverage.
Survey Insights from Alabama Homeowners
Our 2025 survey of 2,000 home warranty customers nationwide aimed to gain insights into their experiences filing claims and buying a plan. In Alabama, 40% of homeowners said they own new homes, while 60% own pre-owned homes. Among these residents, 44% received home warranty coverage with their new home purchase, while 36% purchased coverage to protect older systems and appliances. Additionally, 64% of Alabama homeowners with a warranty opted for comprehensive plans, highlighting a preference for system and appliance protection.
Regarding item protection, air conditioning was the most prioritized system for coverage, which is understandable given the state’s hot climate. For appliances, water heaters were the most commonly covered item, with 52% of homeowners buying protection. Roof leak coverage was the most popular add-on, with 60% of respondents adding it to their plans. Additional home system protection and septic tank pumping were also popular add-ons, each chosen by 28% of homeowners. As mentioned earlier, American Home Shield emerged as the most preferred provider in the state, matching its ranking as the top Alabama provider in our analysis.
Most Alabama homeowners reported being satisfied with their plans, with 44% saying they were very satisfied and 40% feeling satisfied. Regarding claims, 44% of homeowners requested appliance assistance, while 40% needed help with a home system. Ninety-two percent of claims were approved, and the outcomes were nearly evenly split, with 44% of customers receiving repairs and 40% receiving replacements. Given the high success rate with claims, it’s no surprise that 72% of respondents plan to extend their coverage after their current term ends.
How We Collected Our Survey Data
In 2025, we surveyed 2,000 homeowners across the U.S. to better understand their experiences with home warranties. The survey focused on factors such as why homeowners choose to purchase warranties, coverage satisfaction, and experiences with claims and customer service. Additionally, we looked at the cost of coverage in each state, the popularity of add-on options, and if homeowners want to renew their policies.
FAQs About Home Warranties in Alabama
What is the best home warranty in Alabama?
For most homeowners, the best home warranty provider in Alabama is American Home Shield. The company offers plans with comprehensive systems and appliance coverage backed by over 50 years of industry experience.
What is the New Home Warranty Act in Alabama?
The New Home Warranty Act in Alabama is essentially an implied warranty that protects home buyers in the event that something malfunctions in a newly built home. It covers any defects due to non-compliance with building standards for one year and major structural defects for six years.
How much is a home warranty in Alabama?
The average home warranty policy costs around $48 per month in Alabama but can range from $31–$73. Pricing may vary based on your chosen plan, add-ons, and location.
Is a home warranty worth it for Alabama homeowners?
A home warranty is worth it for Alabama homeowners if they secure a reasonable monthly rate and purchase coverage that suits their needs. Monthly premiums may seem expensive, but compared to the full cost of home repairs and replacements, it’s much more affordable than paying for system and appliance breakdowns out-of-pocket.
How We Evaluated Home Warranty Providers
We used a detailed rating methodology to rank Alabama home warranty providers across multiple factors. In order to gather accurate information, we purchased policies and filed claims ourselves to gain firsthand experience with each company. We also called representatives, requested free quotes, read sample contracts, and conducted focus groups and consumer surveys for additional insights and data.
Once we collected our data, we ranked each provider on a 5-point scale using the following factors:
- Coverage: A home warranty plan is a combination of which items your policy covers and how much money a company is willing to pay for repairs and replacements. We awarded the most points to companies that cover more items and have higher coverage limits.
- Cost: Each provider has a monthly rate and a service fee that contribute to your overall home warranty cost. We gave the most points to companies with lower monthly rates and flexible service fees under $100 per use.
- Trustworthiness: A company’s reputation can determine how likely it is to honor your policy and give you proper payouts for claims. For this category we considered BBB ratings, customer reviews, workmanship guarantees, and if companies have ongoing lawsuits.
- Plan transparency: There’s always red tape in the fine print, but not all providers make this information easy to find. We gave the most points to companies that offer online pricing and sample contracts with clear terms and conditions for the state of Alabama.
- Customer support: Filing a claim is one of the most important parts of having a home warranty policy, so we awarded the most points to companies offering multiple ways to submit claims, 24/7 chat availability, easy-to-use online portals, and fast response times.
- Flexibility: Not all homeowners in Alabama have the same needs, so we awarded the most points to companies that offer multiple plans, several add-on options, the ability to choose your own technician, and other coverage customization features.
