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Best Home Warranty Companies in Idaho (2024)

Author Image Written by Dana Getz + 1 other Reviewed by Michael Mansueto Updated 06/24/2024

A home warranty company offers financial coverage for major home appliances and systems that stop working. Homeowners in rural Iowa can get coverage for home systems that are crucial in those areas, such as wells and septic tanks.

We researched home warranty companies across the country and determined that the following providers are best for Iowa residents.

We are here to help you during your home warranty search. We conducted research on the best home warranty providers nationwide and highlighted our recommendations for the Gem State.

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.

Idaho’s Top 5 Home Warranty Companies

The highest-rated Idaho home warranty companies include the following:

To find the best options for Idaho homeowners, our team looked at pricing, plans, add-on options, customer service, and other factors. Here’s a detailed look at our top four picks.


Summary of the Best Home Warranty Companies in Idaho

Liberty Home Guard
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American Home Shield
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Select Home Warranty
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Elite Home Warranty
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First American Home Warranty
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Overall Score

4.4 / 5 4.8 / 5 3.7 / 5 4.6 / 5 4.6 / 5

BBB Rating

NR B B- B+ B

Monthly Cost

$49–$59 $49–$109 $44–$47 $44–$59 $47–$87

Service Fees

$65–$125 $100–$125 $60–$75 $70 $75–$125

Customer Support Options

Email, Phone, Online Chat, Online Portal Phone, Online Portal Email, Phone, Online Portal Email, Phone, Online Portal Phone, Online Portal

Response Time

Up to 48 hours Up to 48 hours 48-84 hours Up to 48 hours 4–48 hours

Pros

  • Extensive add-on catalog
  • 60-day workmanship guarantee
  • Accessible customer support
  • High coverage caps
  • Preexisting coverage included
  • Bonus discounts on maintenance services
  • Low-cost plan options
  • High HVAC coverage
  • Free roof leak protection
  • Higher coverage for high-end appliances
  • 90-day workmanship guarantee
  • Service call fee rolled into annual premium
  • Unlimited system coverage
  • Solid add-on catalog
  • Optional upgrade for preexisting condition coverage

Cons

  • Reviews mention low claim payouts
  • Low coverage caps for electrical and plumbing
  • Higher costs for comprehensive coverage
  • Smallest add-on catalog
  • Low coverage caps for other items
  • No service call fee flexibility
  • Higher service fee for high-end appliance repairs
  • No workmanship guarantee on repairs by out-of-network technicians
  • No AC coverage in the lowest plan
  • Excludes essential appliances from its lowest plan

Summary

We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations.

We recommend American Home Shield for homeowners who need comprehensive coverage for older homes.

We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage.

We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options.

We recommend First American Home Warranty for homeowners who need robust plan options for HVAC and high-end appliances. 

Promotions

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Rating Categories

Liberty Home Guard American Home Shield Select Home Warranty Elite Home Warranty First American Home Warranty

Coverage

2.9 / 5
4.8 / 5
2.1 / 5
3.4 / 5
4.9 / 5

Value

4.8 / 5
3.3 / 5
4.8 / 5
4.3 / 5
3.3 / 5

Trustworthiness

4.3 / 5
3.7 / 5
3.7 / 5
4.7 / 5
4 / 5

Plan Transparency

2.5 / 5
5 / 5
2.5 / 5
3 / 5
2.5 / 5

Customer Support

4.5 / 5
4 / 5
3 / 5
3.5 / 5
2.8 / 5

Flexibility

3.5 / 5
2.5 / 5
2.5 / 5
4.5 / 5
3 / 5

Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 1,977-square-foot, single-family home in Boise, Idaho. Your pricing may vary depending on your home’s location, size, type, and plan selections.

Why Trust Us? Our review and rating process for the best home warranty companies
13
Companies Considered We carefully considered 13 companies to find the best home warranty providers available.
2000
Homeowners Surveyed We surveyed 2,000 home owners to see what they care about most for home protection.
5700
Reviews Analyzed We went through 5,700 customer reviews of home warranty companies to see what people had to say about each provider.
31
Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

Reviews of the Best Home Warranty Companies in Idaho

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) offers generous home protection plans, each with a high coverage limit per covered system and appliance. AHS also offers coverage for rust, corrosion, and sediment damage, making it a great choice for homeowners with older homes.

Why We Chose American Home Shield

We consider AHS to be the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. The company is our top pick because it covers several things other companies don’t, such as rust damage and improper installations.

We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per covered item in the ShieldPlatinum plan.

AHS coverage plans provide extensive coverage; even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.

Pros and Cons

Pros Doesn’t exclude commercial-grade appliances Provides generous coverage caps per covered item Covers well pump and septic system pumping in ShieldGold plan, which are add-ons for other providers Cons Doesn’t offer many optional add-ons

Plans and Pricing

AHS offers three plans—the ShieldSilver™, ShieldGold™, and ShieldPlatinum™. The ShieldSilver covers home systems, such as your electrical and plumbing. The ShieldGold also covers systems and appliances, bringing the total number of items covered to 23. The ShieldPlatinum is among the most comprehensive in the industry, covering everything in the  ShieldGold and increasing coverage caps.

AHS also provides coverage for the following optional add-ons: Electronics extended warranty, pool and spa, well pump, septic pump, guest unit under 750 square feet

AHS allows you to pull a quote by calling a representative or using its online tool. When we used AHS’s quote tool, it allowed us to choose a service call fee of $100 or $125. AHS states that a higher service call fee will result in a lower monthly premium and vice versa. All AHS plans come with a 30-day workmanship guarantee.

While pulling our quote, we discovered that AHS only offers monthly premium options. It doesn’t include an annual premium like other providers on this list.

Here are details on each of American Home Shield’s plans:

  • ShieldSilver ($29.99–$39.99 per month): Covers home systems, such as heating, cooling, and electrical
  • ShieldGold ($49.99–$59.99 per month): Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
  • ShieldPlatinum ($79.99–$89.99 per month): Covers systems and appliances and adds additional benefits, such as $1,500 for roof-leak repairs
  • Optional add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps. Based on the quote we pulled, we found that AHS offers competitively priced add-ons. For example, septic pump coverage costs an extra $5 per month.

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$29.99–$39.99

$100–$125

$5000

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

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 (LHG) is one of the newer home warranty companies in the industry, but its compelling suite of add-on options and responsive customer service team make it our top pick. LHG also provides coverage for second heating and cooling system units within standard plans.

Why We Chose Liberty Home Guard

It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.

Our team spoke with multiple customer representatives to learn how LHG handles customer inquiries. Based on our experiences, it holds up to its stellar ratings, with each representative picking up the phone in under one minute and answering all of our questions thoroughly.

Pros and Cons

Pros Offers over 30 unique add-on options Includes a live-chat feature on its website to ease communication with a representative Extends a 60-day workmanship guarantee Cons Lacks transparency with service call fee pricing options Doesn’t let you choose your own service provider

Plans and Pricing

Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard covers nine essential appliances, such as your laundry machines and built-in microwave. Systems Guard covers your built-in systems, such as electrical and plumbing. Total Home Guard covers all the items in the two basic plans.

Liberty Home Guard also offers an impressive suite of add-on options: Pool and spa, sump pump, well pump, central vacuum, additional spa, septic system plumbing, stand-alone freezer, limited roof leak, lighting fixtures, re-key, gutter cleaning, pest control, floor/carpet cleaning, water softener, lawn sprinkler system, electronics protection, swamp cooler, ejector pump, second refrigerator, trash compactor, in-fridge ice maker, freestanding ice maker, wine cooler/fridge, saltwater pool, generator, plumbing fixtures, grinder pump, water dispenser water line, instant hot water dispenser, reverse osmosis system

Based on our quote, Liberty Home Guard plans will cost between $49 and $60 a month. LHG assigns its $65–$125 service call fee to your account based on your plan selection, add-on options, and the location of your home.

Here are details on LHG’s plans and optional add-on coverage:

  • Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
  • Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
  • Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
  • Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, a representative informed us that pest control coverage costs an extra $15 monthly.

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing & electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

First American Home Warranty

Best for High-End Items
4.6 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.

*(excluding AlaskaConnecticutDelawareHawaiiIllinois, Louisiana, MaineMassachusettsMinnesotaNew HampshireNew YorkNorth DakotaRhode IslandVermont, and Wisconsin)

Like American Home Shield, First American Home Warranty (FAHW) is a veteran in the home warranty industry with more than 30 years of experience. The provider is also the cheapest of the three home warranty providers recommended for Idaho homeowners.

Why We Chose First American Home Warranty

If you own high-end appliances, First American is a solid choice due to its high appliance coverage caps. After reading its sample contract, we found First American pairs each appliance with a $3,500 limit in the Starter and Essential plans, which is higher than other providers. Its Essential and Premium plans offer the First American Advantage upgrade, which protects systems and improperly maintained, modified, or installed appliances—a rarity in the home warranty business.

Pros and Cons

Pros Customer service available 24 hours a day, seven days a week A risk-free, 30-day money-back guarantee Option of a First Class Upgrade, which protects improperly installed or maintained systems and appliances Cons Customers can’t build their own plan Coverage cap of $1,500 is low compared to the $3,000 offered by American Home Shield

Plans and Pricing

First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. It offers customers the choice of a $75, $100, or $125 service call fee. The provider sets the coverage limit for appliances at $3,500 per item in its Starter and Essential plans and increases coverage limits to $7,000 per covered appliance in its Premium Plan. Upon speaking with a representative, we discovered the company doesn’t outline hard limits for built-in systems coverage except for water heaters. First American covers all repairs for 30 days.

First American Home Warranty also offers an annual premium. Annual plan costs range from $540 to $1,040. Unlike other providers that offer annual premiums, First American doesn’t include extra months of coverage or a discount if you choose an annual premium. First American provides an online quote tool or a sales phone line to pull a free quote.

Here are more details about First American’s plan coverage:

  • Starter Plan: Covers built-in microwaves, dishwashers, ductwork, electrical system, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms
  • Essential Plan: Includes everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, First American Advantage upgrade, garage door openers, trash compactors, and water heaters
  • Premium Plan: Covers all items in the Essential Plan plus full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units
  • Optional add-ons: Additional refrigeration, air conditioning for Starter Plan, HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps. First American offers limited roof-leak coverage for less than $9 per month.

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$42–$62

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$57–$72

$75–$125

Systems: Unlimited (Water heaters: $1,000)

Appliances: $3,500

Premium Plan

$72–$82

$75–$125

Systems: Remain the same Appliances: $7,000

Elite Home Warranty

Best for Customized Coverage
4.6 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.

We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee (a lower service call fee than many providers) and 27 add-on options.

Monthly cost: $44–$58

Pros and Cons

Pros Includes a 90-day workmanship guarantee for completed repairs Offers higher coverage limits for high-end appliances Rolls your service call fee into your annual premium, avoiding a per-claim charge Cons Charges a higher service call fee for high-end appliance repairs Excludes workmanship guarantee on repairs done with an out-of-network technician Requires you to call for a quote

Plans and Cost

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.

We recommend reading through the sample contract or getting a quote for full details on coverage caps. 

Below are the details of Elite’s coverage plans:

  • Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit. 
  • Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.  
  • Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection. 

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.

More details on Elite’s plans and pricing can be found in the table below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Elite Appliances

$44.49

$70

Varies per Item

Elite Systems

$49.99

$70

Varies per Item

Elite Complete

$58.99

$70

Varies per Item

Elite offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term. 

We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:

  • Annual maintenance
  • Drainage, sewer, and water service lines
  • Pool and spa equipment
  • Geothermal heating and cooling systems
  • Guest house
  • Septic system

Our Experience with Elite Home Warranty

One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Here’s a summary of his experience:

  • He submitted his claim online and received an Elite claims specialist call within 30 minutes. 
  • He received a next-day appointment for his repair. 
  • The technician arrived on the assigned day but realized the repair would require out-of-stock parts. 
  • After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
  • The technician completed the repairs within an hour.

Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. If you choose your own repair technician, Elite will pay them for labor at an hourly rate not to exceed the standard hourly rate in your area. You won’t receive any workmanship coverage from Elite if you choose your own technician. However, the local technician should provide their own workmanship guarantee, likely around 30 days.

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 (SHW) stands out for its overall affordability and quick claim response time. All SHW’s plans are priced less than $50 per month, and they all include roof-leak coverage, which most providers only include as an add-on.

Why We Chose Select Home Warranty

It’s an affordable home warranty with all plans costing less than $50 per month. Select stands out by offering roof-leak repair coverage in each protection plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.

Pros and Cons

Pros Offers affordably priced plans for less than $50 per month Responds to claims within 12 business hours Includes roof-leak coverage with all plans Cons Does not outline workmanship guarantee in service contract Limits coverage more than other providers (for example, appliances are limited to $500 per item)

Plans and Pricing

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Bronze Care covers major appliances, such as your laundry machines and dishwasher. Gold Care covers home systems, such as your heating and cooling. Platinum Care combines the coverage of the two earlier plans, plus garage door openers and plumbing stoppages.

You can also add the following add-ons to your plan: Central vacuum, lawn sprinkler system, pool, septic system, spa, stand-alone freezer, sump pump, and well pump

You can expect to pay between $44.42 and $47.75 per month for a Select Home Warranty plan. It charges a $75 service call fee each time you file a claim.

Here are more details about Select Home Warranty’s plans:

  • Bronze Care ($44.42 per month): Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
  • Gold Care ($44.42 per month): Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
  • Platinum Care ($47.75 per month): Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage door openers and ceiling fans
  • Optional add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges less than $4 monthly for central vacuum coverage.

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


How Much Does a Home Warranty Cost in Idaho?

An Idaho home warranty costs $54 per month on average, or $546-$744 annually, based on the quotes we pulled. Pricing will depend on whether you want basic or comprehensive coverage for your home systems and appliances and where you live. In addition to a monthly premium, you’ll also have to pay a service call fee between $75–$125 whenever you submit a service request during the contract period.


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.

ApplianceAverage Repair CostAverage Replacement Cost

Dehumidifier

$50–$200

$1,300–$2,800

Microwave

$50–$400

$60–$2,000

Dishwasher

$50–$500

$400–$3,000

Exhaust Fans

$16–$300

$250–$950

Electric Range

$100–$500

$230–$3,000

Gas Range

$100–$500

$230–$3,000

Dryer

$100–$400

$450–$2,300

Oven

$100–$430

$400–$3,000

Washer

$50–$450

$400–$2,300

Freezer

$90–$500

$160–$2,900

Refrigerator

$40–$350

$200–$5,000

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.


Do Home Warranties Cover Preexisting Conditions?

Most home warranties will not cover preexisting conditions for poorly installed or maintained systems and appliances. However, American Home Shield and First American Home Warranty do include coverage for items with preexisting conditions.


What Other Home Warranty Companies Are Available In Idaho?

While American Home Shield, Liberty Home Guard, and First American Home Warranty are our top picks for home warranty coverage, there are some honorable mentions that also protect homes in Idaho. These include The Home Service Club and Landmark Home Warranty.


Our Conclusion

We recommend these home warranty providers for Idaho homeowners because of their ability to accommodate a wide range of customers in terms of budget and coverage. American Home Shield is our top choice due to its generous coverage caps and comprehensive plans. Liberty Home Guard is a close second for its responsive customer service team and extensive list of add-ons. Select Home Warranty is a good choice for homeowners who want affordable plan prices.

You should get a quote from at least three plans to compare coverage and costs since plan pricing will vary by region, type of plan, and square footage of your home.


Other Resources for Residents in Idaho


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.