4 Best Home Warranty Companies for Condos (2025)
Learn about the importance of condo protection and our favorite providers for coverage.
Owning a condominium or townhouse varies slightly from owning a single-family home. However, just like with single-family houses, condo home insurance only covers certain types of catastrophic damage, which means your condo’s systems and appliances won’t be protected from issues that occur from a lifetime of use. A condo home warranty safeguards your budget from repair costs due to normal wear and tear.
After reviewing dozens of trusted home warranty companies with condo warranties, we picked four companies we believe offer the best coverage. Lear about our picks and the benefits of this type of warranty in the guide below.
Key Takeaways
- The average condo warranty costs about $53 per month or $636 annually.
- We recommend Liberty Home Guard and American Home Shield as top choices for condo home warranties.
- Condo warranties offer less comprehensive protection than a single-home plan, resulting in lower monthly premiums.
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 4 Home Warranty Companies for Condos
Here are our top picks for home warranty providers that cover condominiums and townhouses:
- Liberty Home Guard: Best Customer Support
- American Home Shield: Best Comprehensive Coverage
- Select Home Warranty: Best Budget Plan Option
- First American Home Warranty: Best for High-End Items
Comparing the Best Home Warranty Companies for Condos
The table below compares the best condo home warranty companies based on some of the key factors from our in-depth rating methodology, including BBB ratings, service fees, and monthly cost.
How Do Home Warranties for Condos Work?
Condo home warranties offer financial protection for unexpected system and appliance breakdowns, similar to warranties for single-family homes. However, condos have slightly different repair needs than most single-family houses. Condo warranties cover appliances and systems within individual residences, while the condo association maintains shared amenities, such as HVAC and plumbing.
Many home warranty companies offer either condo-specific coverage or customized plans that protect home appliances. They may also offer add-on items for additional systems, appliances, or home services.
How Much Does a Condo Home Warranty Cost?
Based on our research, the average condo home warranty costs $53 per month or $636 annually. This is significantly lower than coverage for a traditional home. Our team sent a home warranty survey to 1,000 homeowners in February 2024 to help us determine typical home warranty costs. We learned that the average single-family home warranty costs $89 per month, 68% higher than condo coverage. The lower costs are a result of the more specific coverage that condo home warranties provide.
Service call fees remain consistent across all home warranty types despite the reduced coverage. Our survey revealed most homeowners pay between $58 and $150 per service technician visit. Additional cost factors may include your location, add-on coverage options, and included coverage. We recommend getting quotes from multiple providers and comparing their services to find the best pricing.
Reviews of the Best Home Warranty Companies for Condos
Liberty Home Guard’s reasonable prices, 60-day workmanship guarantee, and high customer ratings make it our top recommended provider on our list despite it being new to the industry. The company has a basic Appliance Guard plan that covers a variety of major appliances and one of the lowest service call fees out of the providers in this review.
Plans and Prices
Liberty Home Guard has a 60-day workmanship guarantee, placing it slightly above the industry average of 30 days. The company also has a long list of add-on options to customize your plan and availability in 48 states, excluding Washington and Wisconsin.
Here is a table comparing Liberty Home Guard’s pricing and plans:
| Plan | Monthly Cost | Service Fee | Coverage Cap |
| Appliance Guard | $39.99 | $65–$125 | $2,000 |
| Systems Guard | $44.99 | $65–$125 | $2,000 (Plumbing & electrical: $500) |
| Total Home Guard | $49.99 | $65–$125 | Coverage caps remain the same |
American Home Shield provides extensive home warranty coverage for condo owners. Since the company’s sample contract clearly states that it doesn’t cover shared systems, the ShieldGold plan that covers items like your dishwasher, refrigerator, and built-in microwave might be your best bet.
Plans and Prices
American Home Shield offers a choose-your-own service fee policy that allows you to choose a higher service fee in exchange for a lower monthly premium and vice versa. American Home Shield is also available to condo owners in every state except Alaska and Hawaii, making it one of the most accessible options on our list.
Here is a table comparing American Home Shield’s pricing and plans:
| Plan | Monthly Cost | Service Fee | Coverage Cap |
| ShieldSilver | $24.99–$39.99 | $75–$125 | $5000 |
| ShieldGold | $34.99–$49.99 | $75–$125 | Systems: $5,000 Appliances: $2,000 |
| ShieldPlatinum | $49.99–$64.99 | $75–$125 | Systems: $5,000 Appliances: $4,000 |
Select Home Warranty is available across the country with coverage in 46 states. Its Bronze Care Plan offers coverage for appliances, including refrigerators, washers, and dryers, at a rate that’s lower than similar plans from competitors. You also get a low deductible between $60 and $75.
Plans and Prices
Select Home Warranty plans come with two months of free coverage for a total of 14 months of protection. You can also get a discount for purchasing several years of coverage at once instead of just a single year.
Here is a table comparing Select Home Warranty’s prices and plans:
| Plan | Monthly Cost | Service Fee | Coverage Cap |
| Bronze Care | $41 | $60–$75 | $500 |
| Gold Care | $41 | $60–$75 | $500 (HVAC: $3,000) |
| Platinum Care | $47 | $60–$75 | Coverage caps remain the same |
First American Home Warranty has been in business for 37 years and provides clear documentation of the coverage you will receive from each of its plans. Additionally, its premiums for condos tend to be $50-$70 cheaper per year than those for single-family homes in the same area.
- Read more: Detailed First American Home Warranty Review
Plans and Prices
First American’s Basic Plan is the cheapest policy in our review, making it a good option for condo owners on a budget. The company also offers the First Class Upgrade as an option add-on, which covers unique areas of your home like improperly installed or maintained appliances and permit fees.
Here is a table comparing First American Home Warranty’s pricing:
| Plan | Monthly Cost | Service Fee | Coverage Cap |
| Basic Plan | $25 | $75–$125 | Systems: Unlimited Appliances: $3,500 |
| Premier Plan | $39.50 | $75–$125 | Systems: Unlimited (Water heaters: $1,000) Appliances: $3,500 |
Does Your Condo Need a Home Warranty?
A home warranty is a worthwhile investment for a condo owner as it protects individual appliances not covered by the condo association. The condo association’s master insurance policy will cover shared spaces and the overall structure of a building, but you’re responsible for coverage inside your unit.
Condos tend to have slightly different repair needs than most single-family houses. For one, some of a building’s amenities and systems may be shared with other units. If two or more units share an appliance or system in your condo, a technician may find it more difficult to assess fault for the damage. Unless a multiunit dwelling has a single home warranty for the entire building, damage to shared systems nearly always falls outside of coverage.
Condo home warranties cover any items not covered by the condo association’s protections. The level of protection offered by condo associations can vary, so it’s best to check with yours to understand which shared systems and amenities are covered. Then, you can choose a condo home warranty covering any gaps their protection leaves.
Our Final Take on Condo Home Warranties
The process for purchasing a condo home warranty is similar to the process for purchasing coverage for a single-family home. However, since condo estimates aren’t as readily available, we recommend contacting each company directly to see how much your unit would cost to cover.
FAQ About Home Warranties for Condos
What is typically included in a condo home warranty?
Condo home warranties typically include protection for your unit’s individual appliances and systems. This type of home warranty plan doesn’t cover shared systems or amenities maintained by your condo association.
Is a condo home warranty still worth it if shared items aren’t covered?
It’s still worth getting a condo home warranty since not all items in the condo are shared. The appliances in your unit, such as the refrigerator or clothes washer, may still require coverage if they fail due to normal wear and tear. Condo plans are typically a little cheaper to make up for the fact that not everything is covered.
Is a condo home warranty different from a home warranty?
No, a condo home warranty offers the same item coverage as a home warranty for a traditional home. Home warranty companies offer access to the same plans as single-family homeowners despite lower prices for condo coverage.
Related Resources
- Best Home Warranties for Mobile Homes
- Best Home Warranties for Rental Properties
- Liberty Home Guard Review
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 team at reviews@thisoldhousereviews.com.
