If you’re looking for the best home warranty companies in Arizona, the This Old House team recommends American Home Shield (AHS) or Elite Home Warranty. Both providers offer three plans with options for systems-only coverage and comprehensive home protection. Below, we detail coverage and exclusions for our top four picks to assist you with your home warranty provider decision.
What You Need to Know
- Our top pick for Arizona is American Home Shield for its comprehensive appliance coverage, matching our 2025 survey results, in which 50% of homeowners also chose the provider.
- The average home warranty cost in Arizona is $37–$74 per month and $412–$868 annually.
- Our survey revealed that 54% of Arizona respondents chose coverage specifically for their air conditioning.
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.
Top Home Warranty Providers in Arizona
Here are our top-rated home warranty providers for Arizona:
- American Home Shield: Best Comprehensive Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Compare Home Warranty Companies in Arizona
Below, we compare key components of our top-rated Arizona providers, focusing on factors like cost and service call fees, which apply to each technician visit.
| Provider | Logo | Our Score (Out of 5) | Service Fee* | State Availability | BBB Rating** |
|---|---|---|---|---|---|
American Home ShieldGet Quote |  | $100–$125 | 49 states (ex. AK) | B | |
Elite Home WarrantyGet Quote |  | $70 ($150 for after hours and weekends) | 47 states (ex. CA, TX, & WI) | B | |
First American Home WarrantyGet Quote |  | $100–$125 | 35 states | B | |
AFC Home WarrantyGet Quote |  | $75–$125 | 48 states (ex. CA & HI) | B |
*Pricing may vary depending on your home’s location, size, type, and your plan choices.
**The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of February 2025.
Our Review of Top Arizona Home Warranties
We evaluated home warranty companies in the Grand Canyon State, prioritizing air conditioning coverage—essential in Arizona’s extreme heat—plumbing coverage to address the effects of hard water and appliance coverage, as repairs are a frequent concern for homeowners. We also considered add-on coverage for pool and spa equipment, given the high number of pools in Arizona homes and roof-leak repair due to potential damage from intense monsoon storms.
American Home Shield
Monthly Cost: $16–$80
Service Fee: $100–$125
BBB Rating: B
Workmanship Guarantee: 30 days
American Home Shield Overview
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.
Pros and Cons
Pros
- Has high coverage caps of up to $5,000 for AC and heating systems
- Covers preexisting conditions in some cases
- Offers discounts on maintenance and other services as part of member benefits
Cons
- Only offers a 30-day workmanship guarantee
- Only provides six add-on options
- Won’t let you use your own contractor in most cases
Plans and 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. 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.
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
Our Experience With American Home Shield
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.
Elite Home Warranty
Monthly Cost: $47–$60
Service Fee: $70 ($150 for high-end appliances and after-hour repairs)
BBB Rating: B
Workmanship Guarantee: 90 days
Elite Home Warranty Overview
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.
Pros and Cons
Pros
- Requires a low $70 service call fee
- Raises coverage limits to $1,000–$6,000 for high-end appliances (with add-on)
- Provides a 90-day workmanship guarantee
Cons
- Charges a $150 service fee for high-end or after-hour appliance repairs
- Doesn’t provide a workmanship guarantee on repairs by out-of-network technicians
- Must call or email for pricing
Plans and Cost
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.
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
Our Experience With Elite Home Warranty
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.
First American Home Warranty
Monthly Cost: $58–$111
Service Fee: $100–$125
BBB Rating: B
Workmanship Guarantee: 30 days
First American Overview
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.
First American 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 Choice, First American also offers just a 30-day workmanship guarantee.
Pros and Cons
Pros
- Provides unlimited coverage for washers and dryers with its top-tier plan
- Offers add-on options, including pool and spa and limited roof-leak coverage
- Doesn’t enforce age limits on covered systems and appliances
Cons
- Doesn’t cover AC or water heaters in its lowest-tier plan
- Won’t cover appliances with preexisting conditions unless you pay for an upgrade
- Charges $2 in processing fees if you pay monthly
Plans and Cost
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.
First American 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
Our Experience With First American Home Warranty
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.
AFC Home Warranty
Monthly Cost: $44–$82
Service Fee: $75–$125
BBB Rating: B
Workmanship Guarantee: Life of your plan
AFC Home Warranty Overview
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 Home Warranty 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 Home Warranty offers the best workmanship guarantee of any competitor on this page, with a guarantee that lasts for the life of your contract.
Pros and Cons
Pros
- Adds on roof-leak protection at no additional cost for all plans
- Allows you to choose your own technician
- Provides you with a dedicated account manager
Cons
- Doesn’t provide systems coverage with its bottom-tier plan
- Requires immediate claims submission
- Doesn’t provide coverage for items with unknown preexisting conditions
Plans and Cost
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 Home Warranty 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 Home Warranty’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.
AFC Home Warranty 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
Our Experience With AFC Home Warranty
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.
Home Warranty Cost in Arizona
The average cost of a home warranty in Arizona ranges from $37–$74 per month and $412–$868 annually, with a median price of about $56, which aligns with the national average.
Several factors affect the final cost of a home warranty, including your chosen coverage level, provider, service call fees, and add-ons. Comprehensive plans and lower service call fees generally lead to higher monthly premiums, while basic coverage helps keep costs down. Home size, age, and location can also influence pricing.
| Provider | Average Monthly Cost Range in Arizona | Median Cost | Service Fees |
|---|---|---|---|
| American Home Shield | $15–$80 | $41 | $100–$125 |
| Elite Home Warranty | $47–$60 | $52 | $70 |
| First American Home Warranty | $58–$111 | $83 | $100–$125 |
| AFC Home Warranty | $44–$82 | $52 | $75–$125 |
How We Determined Home Warranty Pricing
To estimate home warranty costs in Arizona and nationwide, we gathered over 4,000 quotes from 13 companies across the U.S. We used sample addresses for single-family homes both under and over 5,000 square feet. The homes included in the sample were from urban and rural areas of Arizona, such as Fredonia, Gilbert, Phoenix, and Tucson. National pricing was based on similar-sized homes across the country. We then averaged these costs to determine the price ranges for both the state and the nation.
Survey Insights from Arizona Homeowners
Our 2025 survey included 2,000 current home warranty users nationwide to gather insights into their shopping journey, coverage needs, and claims experiences. We found that nearly 61% of Arizona homeowners purchased a home warranty to protect older appliances and systems, while another 28% received coverage as part of their home purchase. This underscores the importance of coverage for aging systems, especially in homes with more pronounced wear and tear.
Fifty-seven percent of respondents cited coverage as the most important feature when choosing a home warranty plan. Commonly covered items included water heaters (28%) and air conditioning systems (54%). Given Arizona’s extreme heat, air conditioning is essential for comfort, while water heaters are critical for daily tasks in the dry climate. Nearly 72% of respondents opted for comprehensive plans to protect these systems and appliances. Many homeowners also extended their coverage with add-ons, with roof leak and pool protection being the most popular.
Regarding claims submissions, appliance repairs or replacements were the most common reason, with 65% of respondents selecting that option. Fifty-two percent of Arizona homeowners had their claims resolved with a repair, while nearly 33% received a replacement appliance or system. An impressive 98% of respondents had their claims approved. Of those, 50% were very satisfied with the outcome, while 30% were satisfied. Nearly 70% of Arizona home warranty users plan to renew their contracts when they expire.
How We Collected Our Survey Data
In 2025, our team surveyed 2,000 homeowners nationwide to gain insights into their experiences with home warranty plans. The survey delved into reasons for purchasing warranties, satisfaction with coverage, and experiences with claims and customer service. In addition, we looked at factors such as add-on coverage options, pricing, and homeowners’ plans for renewing their policies.
Should I Buy a Home Warranty in Arizona?
Home warranties can help you manage the cost of routine appliance and systems maintenance in your home. While repairs and replacement costs can vary widely, here are some rough average costs that we sourced from sites such as Home Depot, Lowe’s, Angi, and HomeAdvisor:
- Air conditioner repair: $100–$2,300
- Air conditioner replacement: $3,900–$8,000 or more
- Appliance repair: $50–$650
- Appliance replacement: $250–$2,000
With a home warranty, you’ll pay a monthly premium and every time you file a claim, you’ll pay a service fee. If your item is covered, then you’ll just be responsible for the service fee for the repair or replacement cost, up to your plan’s coverage limits.
If your plan covers your issue, a home warranty plan could save you money as opposed to paying for a repair or replacement out of pocket. Another benefit of a home warranty is that it helps you better budget, as you know what you’ll be paying monthly to protect your appliances and systems.
FAQs About Home Warranties in Arizona
What does a home warranty cover in Arizona?
A home warranty usually covers repairs and replacements from standard wear and tear for appliances such as refrigerators, dishwashers, and garbage disposals, as well as systems such as air conditioners, plumbing, and electrical in your home.
How do I choose a reliable home warranty provider in Arizona?
The most reliable home warranty providers are transparent, clearly disclosing what they will and won’t cover in your contract. They should also have a large network of technicians they work with who are available for repairs. If you’re worried about exclusions, you may be better off with a higher-tier plan. Many higher-tier plans offer more comprehensive coverage than the lowest-tier plans.
Can I purchase a home warranty after closing on a house in Arizona?
Yes, you can purchase a home warranty after closing on a house in Arizona, or anytime after you purchase your home. Normally, if your home warranty is not part of your home closing, you’ll need to wait 30 days after you purchase the plan for coverage to kick in.
Methodology: How We Evaluated Home Warranty Providers
We back up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. Our research includes speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. To bring you first-hand experience of the claims process, we’ve purchased home warranty plans and filed claims.
To find the top Arizona home warranty companies, we also speak with industry professionals to identify common repairs and replacements throughout the state. We then score each provider against our review standards to arrive at an overall score on a 5-point scale:
- Coverage: In Arizona, you want a provider with high coverage caps and full coverage, especially for hardworking HVAC systems. The best providers cover a range of appliances and systems, and they start coverage within 30 days of when you sign up.
- Cost: We rate providers on their service fees, monthly premiums, and extra fees. Some of our highest-rated providers have average monthly costs around $60 and service fees of $100 or less.
- Trustworthiness: Providers that rank highest in this category have high BBB ratings, have no current government lawsuits, and belong to the National Home Service Contract Association.
- Plan transparency: Our highest-ranked companies offer transparent online pricing along with sample contracts that clearly spell out coverage limits and specifics for the state of Arizona.
- Customer support: Our top-ranked home warranty companies provide fast, easy-to-use portals for filing claims. Along with quick response times, they offer multiple customer service options.
- Flexibility: The best ratings in this category go to companies that offer three or more warranty plans and plenty of add-on options—and let you choose your own technicians for repairs.
- First-hand experience submitting claims: We’ve purchased plans and filed claims with all of our top-ranked providers in order to bring you first-hand experience of the claims process.
