Best Home Warranty Companies in Utah (2024)
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Investing in a Utah home warranty plan can protect items such as your washers, dryers, air conditioning, and heating systems. A home warranty covers the costs of repairs or replacements when these systems and appliances fail.
We analyzed the best home warranty companies in the nation and then selected the top five providers in Utah based on plan options, coverage, pricing, and customer reviews. We recommend American Home Shield as our top choice due to its comprehensive coverage and generous limits.
Key Takeaways
- The best home warranty company in Utah is American Home Shield, based on our research of 13 home warranty providers.
- A Utah home warranty costs $652 annually on average, or $46-$62 per month, depending on your provider and coverage.
- Utah’s diverse climate means homeowners should seek out specific coverage and request quotes from at least three providers to save the most money.
The listings that appear are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This listing does not include all companies or all available offers and products.
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.
Utah’s Top 5 Home Warranty Companies
The highest-rated Utah home warranty companies include the following:
- Best for Comprehensive Coverage: American Home Shield
- Best for Customized Coverage: Elite Home Warranty
- Best for High-End Items: First American Home Warranty
- Best Customer Support: Liberty Home Guard
- Best Budget Plan: Select Home Warranty
Summary of the Best Home Warranty Companies in Utah
The table below summarizes our top providers’ key features. We listed each company’s monthly price range, service fee, response time, and Better Business Bureau (BBB) rating. The monthly cost figures are based on quotes we pulled to calculate a national average. We recommend requesting a quote directly from a provider for more accurate pricing.
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| #1 out of 16 companies | #2 out of 16 companies | #3 out of 16 companies | #4 out of 16 companies | #5 out of 16 companies | |
| NR | B | B- | B+ | B | |
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Monthly Cost |
$49–$59 | $49–$109 | $44–$47 | $44–$59 | $47–$87 |
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Service Fees |
$65–$125 | $100–$125 | $60–$75 | $70 | $75–$125 |
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Customer Support Options |
Email, Phone, Online Chat, Online Portal | Phone, Online Portal | Email, Phone, Online Portal | Email, Phone, Online Portal | Phone, Online Portal |
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Response Time |
Up to 48 hours | Up to 48 hours | 48-84 hours | Up to 48 hours | 4–48 hours |
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Cons |
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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. |
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Promotions |
$200 Off + 2 Months Free + Roof Leak Protection | Black Friday Savings: 50% OFF Select Plans | 40% Off Home Warranty Plans | Get 50% Off Any Plan Plus Your First Month Free! | $100 Off with Code “PROTECT” |
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Rating Categories |
Liberty Home Guard | American Home Shield | Select Home Warranty | Elite Home Warranty | First American Home Warranty |
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Coverage |
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Value |
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Trustworthiness |
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Plan Transparency |
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Customer Support |
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Flexibility |
Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,047-square-foot, single-family home in Salt Lake City, Utah. Your pricing may vary depending on your home’s location, size, type, and plan selections.
How Much Does a Home Warranty Cost in Utah?
The average home warranty coverage plan in Utah costs $54 per month. If you prefer to pay annually, expect to pay $546-$744 per year for a Utah home warranty.
Several factors affect home warranty costs. For example, the type of coverage plan you choose directly impacts your total cost. Generally, comprehensive plans featuring major appliance and system coverage tend to cost more than a basic appliance-only plan.
Some companies offer a flexible service call fee structure. These companies raise or lower your premium depending on which service call fee you choose. Typically, the higher service call fee lowers your premium. Carefully consider if a higher service call fee works for your situation. You may pay less monthly but will pay a hefty fee each time you file a claim.
If you have newer appliances, it may be best to opt for a higher fee since the probability of frequent or severe repairs is lower. If you have older systems or appliances, it may be more cost-effective to choose a lower service call fee, assuming you need service more frequently.
Are Home Warranty Plans Worth It in Utah?
For many homeowners, comprehensive coverage from a home warranty Utah provider is one of the best ways to ensure systems or appliances are protected from normal wear and tear. These service contracts are also ideal for homeowners who don’t have an emergency budget to spend on expensive repairs or replacement costs.
Factors To Consider Before Buying a Utah Home Warranty
A Utah home warranty is an investment. Based on our 2022 survey of 1,000 homeowners, 76% of those who own a home warranty said they were very likely or somewhat likely to renew their home warranty plan. Since many providers offer similar coverage, picking the right company for your needs is challenging.
Residents in Utah face a unique climate year-round that can cause wear and tear on home systems and appliances.
Here are several factors to consider before signing up for a home warranty plan:
- Budget: The cost to own a home warranty can increase if you choose coverage you don’t need. We developed a cost calculator that estimates how much a home warranty will cost you annually. We recommend choosing a company that covers the items you need at a price you can afford.
- Coverage: To avoid overspending on a plan or a denied claim, consider your coverage needs carefully. Think about the items you use frequently. Since Utah has a hot and dry climate, you should prioritize a company offering solid air conditioning coverage and maintenance.
- Reputation: A company’s reputation is another factor you should consider before signing up. Check its BBB page and verify if the company has a C- rating or higher. Avoid companies with a lower rating.
Reviews of Home Warranty Companies in Utah
American Home Shield
Best for Comprehensive Coverage
Elite Home Warranty
Best for Customized Coverage
First American Home Warranty
Liberty Home Guard
Best Customer Support
Select Home Warranty
Best Budget Plan
How Are Home Warranties Regulated in Utah?
Utah classifies home warranties as insurance. Therefore, the state’s Department of Insurance oversees the licensing and regulation of home warranty companies. Specifically, the Department of Insurance’s Property and Casualty Division handles consumer questions and complaints about home warranties. You can file a complaint online if your home warranty company refuses to resolve your dispute.
Alongside government oversight, industry associations also regulate home warranty companies. For instance, the Service Contract Industry Council (SCIC) works with state lawmakers nationwide to develop regulations home warranty companies must follow. These regulations incorporate consumer protections that limit unethical business practices.
Expert Takes on Home Warranties
We contacted experts in fields such as real estate and appliance repair to learn more about home warranties. Here’s what they had to say:
- Are Utah home warranties worth it for older homes? According to Dave Bringer, head technician of Bringer Appliance Repair, home warranties provide peace of mind for those with older systems and appliances. “Older homes need home warranties because their appliances and systems have most likely used their manufacturer’s warranty coverage.”
- How can I tell if a Utah home warranty company is trustworthy? Peter Evering, a Business Development Manager for Utopia Property Management, recommends homeowners to research a company’s customer reviews. “Reading customer reviews and ratings can provide insights into the experiences of other homeowners and help you gauge the level of customer satisfaction.”
- What should I know about a company’s claims process? David Tully, founder of LPT Realty, suggests the following: “You need to understand how to file a claim to your provider and how quickly you can expect a response from them. Also, get to know the turnaround time they would take for the repairs and replacements.”
Annual Home Warranty Cost Calculator
We 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.
| Appliance | Average Repair Cost | Average Replacement Cost |
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Dehumidifier |
$50–$200 |
$1,300–$2,800 |
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Microwave |
$50–$400 |
$60–$2,000 |
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Dishwasher |
$50–$500 |
$400–$3,000 |
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Exhaust Fans |
$16–$300 |
$250–$950 |
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Electric Range |
$100–$500 |
$230–$3,000 |
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Gas Range |
$100–$500 |
$230–$3,000 |
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Dryer |
$100–$400 |
$450–$2,300 |
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Oven |
$100–$430 |
$400–$3,000 |
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Washer |
$50–$450 |
$400–$2,300 |
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Freezer |
$90–$500 |
$160–$2,900 |
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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 Pre-Existing Conditions?
Home warranty service contracts almost always exclude pre-existing conditions. However, companies like First American Home Warranty cover items that were improperly installed, modified, or maintained.
Our Conclusion
Liberty Home Guard, American Home Shield, Select Home Warranty, First American Home Warranty, and AFC Home Warranty are five of the best providers in Utah that protect major systems and appliances in your home. We recommend getting a quote from all five companies so you can compare coverage options and choose a plan that best fits your budget and home protection needs.
Other Resources for Residents in Utah
Frequently Asked Questions
Will home warranty plans replace the HVAC system?
When an air conditioning system or central heating unit fails, a home warranty can cover some of the costs to replace an inoperable system. Check your sample contract to determine how much your home warranty company will pay for a replacement.
When should I buy a home warranty?
Consider signing up for a home warranty when buying a home. In some instances, a real estate agent will include a home warranty in the sale to offer you protection for your first year of homeownership. Even if you don’t invest in a home warranty when you purchase a house, you can purchase one at any point during homeownership.
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.
