We picked American Home Shield as the best home warranty company in Maine because of its industry experience and comprehensive coverage with high limits. We also recommend Choice Home Warranty for homeowners looking for affordable protection for both systems and appliances, with combined coverage available for under $70 per month.
Maine’s tough winters and temperature swings can affect heating systems, plumbing, and appliances. A home warranty can make repair and replacement costs more manageable, saving you from unexpected expenses if systems and appliances break from normal use. Our team analyzed 13 top home warranty companies nationwide to find the best options for Maine homeowners.
Key Takeaways
- We selected American Home Shield as our top pick for Maine home warranty providers.
- The average cost of a home warranty in Maine ranges from $39–$81 per month, or $453–$951 per year.
- Our 2025 survey of 2,000 home warranty users nationwide found that 50% of Maine homeowners prioritized coverage for their heating or furnace systems when buying a plan.
Maine’s Top 5 Home Warranty Companies
The highest-rated Maine home warranty companies include these:
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- AFC Home Warranty: Best Technician Flexibility
- Liberty Home Guard: Best Customer Support
Comparing the Best Home Warranty Companies in Maine
The table below compares our top choices for Maine home warranty company based on key factors including cost, Better Business Bureau (BBB) ratings, and more.
| Company | Logo | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|---|
American Home ShieldGet Quote |  | B | $36–$100 | $100–$125 | |
Choice Home WarrantyGet Quote |  | B | $60–$68 | $100 | |
Elite Home WarrantyGet Quote |  | B | $45–$60 | $70 ($150 for after hours and weekends) | |
AFC Home WarrantyGet Quote |  | B | $44–$82 | $75–$125 | |
Liberty Home GuardGet Quote |  | NR | $57–$68 | $65–$125 |
Note: We calculated the pricing in this table using average costs from sample quotes for single-family homes under and over 5,000 square feet across all 50 U.S. states.. Your pricing may vary depending on your home’s location, size, type, and plan selections.
BBB ratings are accurate as of March 2025.
Reviews of the Best Home Warranties in Maine
American Home Shield
American Home Shield (AHS) offers comprehensive coverage for major systems and appliances and service call fee flexibility. The company also covers unique instances other providers typically don’t, such as rust, corrosion, or sediment damage.
Pros and Cons
Pros
- Offers a flexible service call fee model that allows customers to adjust monthly fees for their budget
- Provides coverage for unknown preexisting conditions and items damaged by rust and corrosion
- Offers up to $5,000 on built-in systems and $4,000 on appliances
Cons
- Doesn’t offer an appliance-only coverage plan
- Offers less coverage flexibility than most providers with only a few add-on options
Plans and Pricing
American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. We read through an American Home Shield sample contract and contacted the company for more information about its plans. The representative said covered systems include a $5,000 limit under the ShieldSilver plan, and ShieldGold adds coverage for appliances with $2,000 limits. ShieldPlatinum combines system and appliance coverage and increases the appliance limit to $4,000 along with adding roof-leak coverage, up to $1,000 in code upgrades, an HVAC tune-up, and air filter discounts.
American Home Shield allows you to get a quote by calling a representative or using its online tool. When we used the quote tool, it allowed us to choose a service call fee of $100 or $125. The company states that a higher service call fee will result in a lower monthly premium and vice versa. All plans come with a 30-day workmanship guarantee on any completed repairs covered by the plan.
While requesting our quote, we discovered that American Home Shield only offers monthly premium options. Unlike other providers on this list, it doesn’t include an annual premium discount.
Here are details on each of American Home Shield’s plans:
- ShieldSilver ($31 per month): Covers 14 systems, including HVAC, electrical, and plumbing
- ShieldGold ($41 per month): Covers 14 systems and nine home appliances, including dishwashers, built-in microwaves, and faucets
- ShieldPlatinum ($112 per month): Provides ShieldGold coverage, plus added perks including roof-leak coverage
- Optional add-ons: Up to six options, including electronics, pools/spas, roof leak guest units, septic pumps, and well pumps
Our Experience with American Home Shield
Our American Home Shield found filing a claim with the company quick and simple. After logging into his account, he submitted the claim via smartphone and received confirmation within minutes. A local contractor called promptly and arrived early the next day to complete the repair in two hours. Our tester was satisfied with the professional service and only paid the service call fee.
Choice Home Warranty
Choice Home Warranty is ideal for budget-conscious Maine homeowners who want solid coverage without a high premium. The company’s two plans, both of which cover systems and appliances, cost less than $70 per month but provide a generous $3,000 coverage cap per item—a good option for those looking for value.
Pros and Cons
Pros
- Extends a 90-day guarantee on parts and 60 days for labor
- Offers two plans, both of which cover systems and appliances
- Provides a standard $3,000 coverage limit for most items
Cons
- Currently involved in an ongoing lawsuit with the Arizona Attorney General
- Excludes coverage for air conditioning and several key appliances from its lowest-tier plan
Plans and Pricing
Choice Home Warranty offers two plans: the Basic Plan and the Total Plan. After reading a Choice Home Warranty sample contract, we learned that the two plans offer varying coverage for systems and appliances. The Basic Plan doesn’t cover essential appliances like air conditioners, refrigerators, or washers and dryers. While Maine homeowners may not worry as much about cooling as they do heating systems, lacking washer and dryer coverage is a potential drawback regardless of the climate. You’ll need to choose the Total Plan to get coverage for these appliances.
Choice Home Warranty charges a flat $100 service fee for all its plans, whereas many competitors provide multiple rate options, allowing for more pricing flexibility. While having a flat rate fee can simplify your costs, it may not work if you prefer more customization to fit your budget.
Here’s an overview of Choice Home Warranty’s plans:
- Basic Plan ($59 per month): Covers seven systems and seven appliances, such as dishwashers, garbage disposals, and plumbing systems
- Total Plan ($67 per month): Covers eight systems and 10 appliances, such as air conditioning, clothes washers and dryers, and refrigerators
- Optional add-ons: Up to 10 options, including septic systems, central vacuums, limited roof-leak protection, and second refrigerators
Our Experience with Choice Home Warranty
Our Choice Home Warranty tester filed several claims and encountered mixed results with assigned contractors. Some issues were resolved after a single visit, while others required multiple appointments or technicians. Appointment timing varied, ranging from one day to one month, which caused our tester to feel frustrated. For example, the tester’s air conditioning repair was completed in one visit, while another refrigerator and freezer repair took three visits with three different technicians.
Elite Home Warranty
We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three specialized plans, one fully customizable plan option, and 30 add-on options to help tailor coverage to your home.
Pros and Cons
Pros
- Includes a 90-day workmanship guarantee for completed repairs
- Offers higher coverage limits for high-end appliances
- Provides a fully customizable coverage plan
Cons
- Charges a higher service call fee for high-end appliance repairs
- Excludes workmanship guarantee on repairs done with an out-of-network technician
Plans and Cost
When reading through an 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.
The company has a standard service call fee of $70. However, Elite charges a $150 fee for high-end appliance repairs and service calls after hours or on weekends.
Below are the details of Elite’s coverage plans:
- Elite Appliances ($45 per month): Covers eight essential appliances, including cooktops, clothes washers, and dishwashers
- Elite Systems ($50 per month): Covers eight home systems, such as air conditioning, heating, and electrical systems
- Elite Complete ($60 per month): Combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection
- Optional add-ons: Up to 30, including guest houses, HVAC annual maintenance, pool equipment, sump pumps, and wine coolers
Our Experience with Elite Home Warranty
Our Elite Home Warranty tester shared his experience with the claim process after his high-end dishwasher broke. He submitted the claim online and was contacted by an Elite claims specialist within 30 minutes. A repair appointment was scheduled for the next day. When the technician arrived, he found that the necessary parts were out of stock. After an initial visit on Tuesday evening, the technician returned the following Monday morning with the required parts and completed the repair within an hour.
AFC Home Warranty
AFC Home Warranty stands out for its flexibility. The company lets you choose your own service technician, a rare option in the industry. It also offers a workmanship guarantee that lasts the entire policy term, saving you money on repeat repairs. This is much longer than the industry average guarantee of around 30 days.
Pros and Cons
Pros
- Doesn’t cap coverage for HVAC systems or water heaters
- Includes a plan-length workmanship guarantee with its plans
- Offers technician flexibility by letting you choose a preferred service provider
Cons
- Has a depreciation policy that can lower claim payouts for items five years and older
- Offers lower coverage caps for certain systems compared to some competitors
Plans and Pricing
AFC Home Warranty four plan options: Silver Plan, Gold Plan, Platinum Plan, and Diamond Plan. After reviewing an AFC Home Warranty sample contract, we learned that while the Silver Plan offers appliance-only coverage, the other three plans include full system and appliance protection. Coverage limits for appliances ranges from $150–$3,000, while system caps fall between $150 and $500. The company provides unlimited coverage for heating, cooling, and water heaters. However, AFC Home Warranty has a depreciation policy on items older than five years that may reduce payouts, which is a potential drawback for homeowners with aging systems or appliances.
AFC Home Warranty lets you choose between monthly or annual payments, with annual plans offering more savings. For even more savings, you can opt for the 3-year plan, which locks in your rates and eliminates the need for yearly renewals. You can also select a $75 or $125 service fee, and choosing the $125 fee will lower your monthly or annual premium.
We’ve provided more details on AFC Home Warranty’s plans below:
- Silver Plan (call for a quote): Covers nine appliances, including clothes washers and dryers, dishwashers, and stoves
- Gold Plan ($44 per month): Covers nine appliances and six home systems, including air conditioning, heating, and electrical
- Platinum Plan ($51 per month): Covers 10 appliances and nine home systems, such as built-in microwaves, fans and plumbing stoppages
- Diamond Plan ($82 per month): Includes Platinum Plan coverage and adds coverage for electronics, exterior water, and sewer lines
- Optional add-ons: Up to eight options, including electronics, sump pumps, well pumps, in-ground pools, and in-ground spas
Our Experience with AFC Home Warranty
Our AFC Home Warranty tester filed a claim for a running toilet that wouldn’t fill and found the online claim process was easy to use. The company quickly found a contractor in our tester’s rural area. Although the first contractor didn’t resolve the issue, a second contractor promptly fixed it. Our tester was satisfied with the service and didn’t pay a service call fee for the second visit.
Liberty Home Guard
Liberty Home Guard (LHG) offers three coverage plans, a 60-day workmanship guarantee, and more than 40 add-ons. LHG also provides accessible customer service via its live-chat feature on its website.
Pros and Cons
Pros
- Extends a 60-day workmanship guarantee
- Offers 42 unique optional add-ons, including pest control and gutter cleaning
- Provides two additional months of coverage if you sign up for an annual plan
Cons
- Doesn’t allow plan price or service call fee customization
- Lacks transparency about service call fees during the quote process
Plans and Pricing
Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. We read through Liberty Home Guard’s sample contract to understand what is covered in their plans, along with associated service fees. Unlike providers with flexible service call fees, LHG assigns a service call fee to your account based on your plan, add-on selections, and location. According to the representative we spoke with, service fees range from $65 to $125.
All LHG’s covered items are subject to a $2,000 coverage cap, except for electrical and plumbing systems. LHG provides a lower $500 coverage limit for these systems. All covered repairs are subject to a 60-day workmanship guarantee, which is double the industry standard of 30 days.
Here are details on LHG’s plans and optional add-on coverage:
- Appliance Guard ($57 per month): Covers nine appliances, such as dishwashers, clothes washers, and dryers
- Systems Guard ($62 per month): Covers six built-in systems, such as air conditioning, heating, ductwork, and water heater
- Total Home Guard ($68 per month): Covers all the items in the Appliance Guard and Systems Guard plans
- Optional add-ons: Up to 42 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage
Our Experience with Liberty Home Guard
We tested the sign-up process for Liberty Home Guard through its online tool. To start, we entered basic information like name, phone number, email, and home details, including property size and type. Next, we compared plan options and selected coverage, with the option to choose between monthly or annual payments. After selecting add-ons, we confirmed the plan details and payment options before completing the sign-up process.
How Much Does a Home Warranty Cost in Maine?
The average cost of a home warranty in Maine ranges from $39–$81 per month, or $453–$951 per year. This is slightly lower than average home warranty costs nationwide, typically running between $47 and $82 per month or $564–$984 annually.
Several factors influence the price of a home warranty, including the level of coverage you choose, the size of your home, and any add-ons or optional coverage you select. Plans with more comprehensive coverage or additional services like pool or septic tank protection may have higher premiums.
What Does a Maine Home Warranty Cover?
A home warranty in Maine typically covers major home systems and appliances. You can choose a plan that covers just systems like HVAC, plumbing, and electrical, or just appliances such as refrigerators and dishwashers, or opt for a combo plan that includes both for broader coverage. If you have specialized items, like a septic system or standalone freezer, you may be able to add optional coverage for an additional cost. The specific items covered can vary by provider, so it’s important to review the details of your plan before signing up.
Do Home Warranties Cover Mobile Homes?
Yes, there are some home warranty providers that cover mobile homes. Each company in this review will protect your mobile home. We recommend Liberty Home Guard.
Other Resources for Residents of Maine
Our Rating Methodology
We used a rating methodology to assess each home warranty company. Our evaluation process involved conversations with company representatives, gathering quotes, analyzing sample contracts, and conducting surveys and focus groups with homeowners. We also tested the sign-up and claims processes for 11 leading home warranty companies and conducted secret shopping to assess the overall customer experience.
Based on the data gathered, we scored each provider across six key comparison categories that are crucial when selecting a home warranty. We converted each company’s score into a total out of 100 points, which was then used to determine a 5-star rating.
Here’s a breakdown of the weighted factors:
- Coverage: We assessed the extent of coverage offered by each company, giving higher scores to providers with comprehensive policies and higher annual limits. Points were deducted for having long waiting periods or depreciation clauses.
- Cost: We reviewed pricing and service call fees, giving the most points to providers with prices at or below industry averages and no additional fees.
- Trustworthiness: We reviewed customer ratings from sites like the BBB and Trustpilot, awarding higher scores to providers with strong ratings and no ongoing legal issues.
- Plan transparency: We examined the clarity of contract details, awarding points to providers with transparent and accessible terms.
- Customer support: We considered how responsive customer support was, favoring companies with efficient and helpful service.
- Flexibility: We awarded higher scores to companies offering a variety of plans, add-ons, technician choices, and customer-friendly cancellation policies.
