Best Home Warranty Companies in Arizona (2025)

If you have an older home, American Home Shield could be a good choice because it offers comprehensive coverage for appliances and systems, and it covers preexisting conditions (as long as they can’t be detected during a visual inspection or a test such as turning an appliance on and off). AHS offers a generous $5,000 coverage limit for standard air conditioning and heating systems. While its coverage limit for appliances is an industry-standard $2,000, that limit doubles with its top plan. 

AHS’ top plan, ShieldPlatinum, offers roof-leak protection. However, its top-tier plan has the highest premiums of any provider on our list. AHS also only offers a 30-day workmanship guarantee, meaning that if you have further issues with your claim, the company will arrange repairs at no additional cost.

American Home Shield offers three home warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum.

• ShieldSilver: This plan covers major systems—air conditioning, heating, electrical, and plumbing—but it doesn’t cover appliances or garage door openers. 
• ShieldGold: AHS’ middle plan covers 23 systems and appliances, including HVAC units, clothes washers and dryers, ranges, and water heaters. This plan also covers garage door openers. 
• ShieldPlatinum: The top-level plan includes all ShieldGold coverage plus benefits such as roof-leak repairs and yearly HVAC tuneups. It also doubles the appliance coverage limit to $4,000. 

AHS covers all parts of most systems and appliances included in each plan, offering some of the best coverage among our top providers in Arizona (see the AHS sample contract for more details of plan coverage). Some companies, such as Elite Home Warranty, don’t cover dishwasher doors or sensors, but AHS covers the entire appliance. The company also offers generous coverage for heating and air conditioning systems, with limits of up to $5,000 per year.

While the bottom two plans cap AC refrigerant costs at $10 per pound, the ShieldPlatinum plan covers all refrigerant costs.

We requested pricing on AHS’ website and received the quotes below for a sample home in Arizona. You can choose to pay premiums monthly—in three payments—or yearly, but you won’t receive free months of service if you pay yearly.

*The lower monthly cost corresponds to the higher service fee. If you choose the lower service fee, you’ll pay the higher monthly rate at each tier.

American Home Shield only offers six add-on customizations:

• Electronics
• Guest units (under 750 square feet)
• Pool and built-in spa
• Roof-leak repair (included at no additional cost in the ShieldPlatinum plan)
• Septic pump
• Well pump

We tested the American Home Shield claims process through one of our team members who has a home warranty plan. He filed a claim online for a leaky bathroom pipe and received text and email confirmations immediately after submission. A service technician reached out within an hour to schedule a next-day appointment. The technician took two hours to complete the repairs and only charged the service call fee.

Choice Home Warranty offers comprehensive coverage at an affordable price, which is especially ideal if cost is your main concern. CHW’s top plan covers 13 appliances and systems, including ceiling and attic fans, with standard garage door coverage on all plans, unlike AHS. Most appliances and systems are covered up to $3,000. But buyer beware: Its Basic Plan excludes air conditioning, refrigerator, and clothes washer and dryer coverage. The company has also gotten into legal troubles in several states, including Arizona, for alleged false promises to consumers—and its lawsuit in Arizona is ongoing.

CHW offers roof-leak protection as an add-on option for an additional $6 per month and pool and spa coverage for an additional $15 per month. However, coverage limits for roof-leak protection are capped at $500 per year. CHW previously offered a 60-day workmanship guarantee. Now, however, the company’s user agreement mentions a 30-day guarantee. We confirmed this with a phone representative.

Choice Home Warranty offers two comprehensive plans, the Basic Plan and the Total Plan. The company’s user agreement outlines its $3,000 coverage limit for most appliances and systems. Most add-ons have $500 coverage limits, except for these items:

• Central vacuums
• Pools and built-in spas
• Septic tank pumping (up to $250)
• Stand-alone freezers or second refrigerators
• Sump pumps

Here’s an overview of CHW’s service plans:

• Basic Plan: The lower-tier plan covers most appliances and systems, excluding ACs, washers, dryers, and refrigerators.
• Total Plan: The comprehensive plan includes everything in the Basic Plan and adds coverage for ACs, washers, dryers, and refrigerators.

CHW offers a monthly or yearly payment option but charges an additional $2.50 per month if you choose to make monthly payments. You’ll pay a flat $100 service fee for all claims.

Here’s an overview of CHW’s pricing for Arizona: 

CHW offers add-ons ranging in price from $3–$15 per month. Pool and spa coverage costs $15 per month, while a second refrigerator costs $3 per month.

Here’s a sample of CHW’s add-ons:

• Limited roof leak
• Pool and spa
• Second refrigerator
• Stand-alone ice maker
• Sump pump

Our team member purchased a five-year Choice Home Warranty plan for rental properties and her personal home two years ago. Overall, she has been unimpressed with the company. When she first moved into her home, her air conditioning, refrigerator, and freezer didn’t work. It took the company two weeks to send contractors out, despite her calling every day.

She has made several claims for her rental properties and gotten mixed results. Sometimes, contractors came out and fixed the issue promptly. But at other times, technicians collected their service fee, diagnosed the problem, and then left or refused to fix the issue (as was the case with a broken tub) because they said CHW wouldn’t pay them enough for the job to make it worth it.

We recommend the First American Home Warranty Premium Plan if you have high-end appliances, as it covers some appliances up to $7,000 each per year, with no limit for washers and dryers. The Premium Plan offers additional coverage, such as roof-leak protection and haul-away costs not found in many competitors’ plans. We don’t find the Starter Plan to be a good choice for Arizona residents, however, because it doesn’t cover AC or washers and dryers. 

FAHW offers roof-leak protection as part of its Premium Plan or as add-on coverage for the lower-tier plans. Its limits for roof-leak protection (available for $8 per month) are higher than Choice Home Warranty’s limits, capping out at $1,000 per year. Pool and spa coverage is available as an add-on for $21 per month, with coverage of up to $2,500, higher than some competitors. Like American Home Shield and CHW, FAHW also offers just a 30-day workmanship guarantee.

First American Home Warranty offers three plans: Starter, Essential, and Premium. The FAHW sample contract details coverage limits for major systems and appliances. Most major systems have an unlimited coverage cap, while appliances with the Starter and Essential plans have a $3,500 limit. The Premium Plan has a $7,000 coverage cap for appliances and adds coverage of up to $1,000 for ductwork and limited roof leaks.

Here’s an overview of the company’s service plans:

• Starter Plan: This plan covers some systems and appliances, including heating, but excludes ACs, water heaters, and washers and dryers. Given its lack of AC coverage, we don’t recommend it for homeowners in Arizona.
• Essential Plan: This plan covers additional appliances and systems, including washers and dryers and air conditioning.
• Premium Plan: The highest-tier plan provides everything in the Starter and Essential plans, plus higher limits for appliances and coverage for ductwork and roof leaks.

You can pay your premium monthly or annually, though paying annually saves you $2 per month in handling fees. Below is a look at FAHW’s service fees, monthly costs, and coverage limits in Arizona.

*The lower monthly cost corresponds to the higher service fee. If you choose the lower service fee, you’ll pay the higher monthly rate at each tier.

FAHW offers several add-on coverage options, including the following:

• Additional refrigerators
• HVAC tuneups
• Pool and spa equipment
• Roof leaks (included with the Premium Plan)
• Septic system
• Water softener
• Well pump

One of our team members submitted a claim to First American Home Warranty for a faulty garage door opener. He received a text confirmation with the technician’s information after just 30 minutes. The technician reached out 30 minutes after that to schedule a service appointment. The repairs were completed in less than half an hour, and the only out-of-pocket cost was the service call fee.

You may want to choose Elite Home Warranty if you need a customized plan. On top of three standard plans, Elite offers 30 additional coverage options. You’ll have to call or email for pricing, though, as Elite doesn’t offer internet quotes. Additionally, while Elite covers 18 appliances and systems, including ice makers and fridge water lines, it doesn’t cover exhaust or attic fans, unlike competitors American Home Shield and Choice Home Warranty. It also has a large exclusion list for appliance parts.

Elite’s roof-leak protection is only available as an add-on and has coverage limits of $1,000 per year. A unique feature of Elite’s is that you can choose just pool or pool and spa coverage as an add-on—both have coverage limits of $1,500 per year. Elite offers a 90-day workmanship guarantee on repairs and parts, the second-best guarantee on this list after AFC Home Warranty’s. 

Elite Home Warranty offers appliance-only, systems-only, or combination plans. You can also choose the Customize Your Own policy options and select the exact item coverage you need. The company’s sample contract details coverage limits, which vary widely, unlike others on this list. Elite has a $15,000 annual limit for all plans, a much higher annual limit than competitors like AFC Home Warranty. You receive a maximum of $8,000 for all systems claims and $7,000 for appliances.

Below is a summary of each plan tier: 

• Elite Appliances: Elite’s lowest-tier plan is an appliance-only plan covering eight home appliances, such as stovetops, washing machines, and dishwashers and excluding most cosmetic parts. 
• Elite Systems: Elite’s middle plan offers system-only protection for eight home systems, including air conditioning, heating, and electrical.
• Elite Complete: The highest-level plan combines Elite Appliances and Elite Systems plans for comprehensive protection.

Below is pricing and coverage information for each of Elite’s plans: 

Elite has an extensive list of 30 add-on options to customize your plan, which have coverage caps of $500–$1,500. Elite’s add-ons include the following:

• Drainage, sewer and water service lines
• HVAC or water heater annual maintenance
• Pool or pool and spa 
• Roof patching for roof leaks
• Septic system

One of our team members filed an online claim with Elite Home Warranty when his high-end dishwasher broke down. An Elite claims specialist called him to schedule a next-day repair appointment within 30 minutes. The technician arrived as promised on a Tuesday evening but didn’t have the necessary parts. He returned first thing the following Monday morning with the required parts and fixed the dishwasher in under an hour.

We also learned that Elite Home Warranty dispatches technicians from its approved network. These repairs come with a 90-day workmanship guarantee. However, if you use your own technician instead of one from Elite’s network, you won’t receive the workmanship coverage.

AFC Home Warranty offers extensive coverage options, especially with its top-tier Platinum Plan. Plus, you have the option to choose your own contractor to complete repairs. While the coverage limits for some systems are capped at a low $1,000, most HVAC repairs are unlimited.

AFC offers roof-leak protection at no cost for all plans but only covers up to $250 per leak. The company’s phone representative said this is a perk they’ve offered for the last two years. In-ground pool and spa coverage is $150 annually or $12.50 per month. AFC offers the best workmanship guarantee of any competitor on this page, with a guarantee that lasts for the life of your contract.

AFC Home Warranty offers four plans: Silver, Gold, Platinum, and Diamond. Each plan has its own sample contract with specific coverage details. The bottom-tier Silver Plan offers appliance coverage only. Systems coverage begins with the Gold Plan. The Platinum Plan offers additional appliance coverage, and the Diamond Plan offers smart-home electronics coverage for your phone, watch, or even gaming device, as well as exterior sewer and water lines. AFC is the only provider here to offer electronics coverage in one of its plans and not just as an add-on. 

Here are details for each of AFC’s plans: 

• Silver Plan: The basic plan covers your main appliances, including kitchen refrigerators, ranges, washers, and dryers, but excludes built-in microwaves, exhaust and attic fans, and ceiling fans.
• Gold Plan: The next tier adds coverage for major systems including electrical, plumbing, air conditioning, and heating. It also covers kitchen exhaust fans. 
• Platinum Plan: The platinum tier adds coverage for ceiling and attic fans, garage door openers, built-in microwaves, plumbing stoppages, faucet repairs or replacement, and ice makers.
• Diamond Plan: The highest tier adds coverage for any electronics in your home that connect to Wi-Fi, exterior sewer lines, and exterior water lines.

A phone representative told us that most customers choose the $75 service call fee, as it only increases monthly premiums $7.25 per month. You can pay premiums monthly, yearly for a savings of roughly 9%, or for three years of coverage to lock in your price.

Here are pricing options for AFC’s plans:

*The lower monthly cost corresponds to the higher service fee. If you choose the lower service fee, prices increase to the higher monthly cost for each tier.

AFC offers a few add-ons that range in cost from $25–$150 per year. Add-on coverage includes the following items:

• Additional appliances or electronics
• Pool and spa
• Septic system
• Sump pump
• Well pump

One of our team members recently filed a claim for a leaky toilet through AFC Home Warranty. She used the company’s straightforward online portal to file her claim. Afterward, she received multiple text messages that directed her to call the company, which it later verified was unnecessary as her claim had been processed correctly on the portal.

It took two separate contractors to fix her leaky toilet, but both scheduled their appointments promptly and completed the work in a professional manner. She was only charged for one service call fee and had no other out-of-pocket costs.