Our team recommends American Home Shield and Choice Home Warranty as the best home warranty companies in Utah. American Home Shield offers comprehensive plans with unique benefits such as preexisting conditions coverage, while Choice Home Warranty is a good option for homeowners on a budget.
A home warranty can help offset the cost of unexpected breakdowns in Utah—which can come in handy if you need HVAC repairs in the middle of winter, for example. The state’s climate changes from season to season, making it important to keep amenities such as heating and air conditioning running smoothly. If you don’t have money set aside for unexpected repair costs, a home warranty can give you peace of mind.
Key Takeaways
- American Home Shield is our top home warranty pick for Utah residents because of its affordable systems coverage, high coverage limits, and inclusion of unknown, preexisting issues.
- The average cost of a home warranty in Utah is $55–$92 a month and $646–$1,068 annually, based on quotes we collected from our top-rated companies.
- Among Utah home warranty owners we surveyed in 2025, 88% purchased a comprehensive coverage plan to protect both systems and appliances.
Top Home Warranty Companies in Utah
Here are our top-rated home warranty providers in Utah:
- American Home Shield: Best Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Comparing Top Providers
To help you learn more about the best home warranty providers in Utah, we requested quotes for sample homes throughout the state. We also rated each company on a 5-point scale and researched customer satisfaction through the Better Business Bureau (BBB). Here’s a side-by-side look at our top picks:
| Provider | Our Score (Out of 5) | Monthly Plan Cost* | Service Call Fee | BBB Rating** |
|---|---|---|---|---|
$36–$100 | $100–$125 | B | ||
$60–$68 | $100 | B | ||
$45–$60 | $70 ($150 for after hours and weekends) | B | ||
$77–$130 | $100–$125 | B | ||
$44–$82 | $75–$125 | B |
*Pricing may vary based on your location, add-ons, and selection plan.
**The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of February 2025.
Our Reviews of Top Providers in Utah
Utah has a dry climate and can get very hot in the summer, but also has plenty of mountainous areas, which can result in cold temperatures during the winter. When ranking the top providers, we paid close attention to home warranty plans that offer systems coverage and high coverage limits for heating and air conditioning systems.
American Home Shield
Coverage Overview
- Offers affordable systems coverage
- Extends high coverage limits on HVAC systems, a benefit considering Utah’s climate
- Covers unknown, pre-existing issues, unlike some other companies on our list
Keep in Mind
- Doesn’t offer many add-on options compared to competitors such as Liberty Home Guard
- Combination coverage under the ShieldPlatinum Plan is one of the priciest in the industry
Our Review
American Home Shield (AHS) offers rates in Utah around $45 a month for full systems coverage, which can benefit homeowners looking for a plan on a budget. Additionally, the company extends some of the highest HVAC coverage limits in the industry at $5,000 for most covered items. AHS also covers unknown, preexisting conditions, a benefit that many companies exclude and make customers pay out of pocket for repairs even if they didn’t know about the issue.
The Shield Platinum plan is one of the pricier options on the market at around $95 per month, but offers comprehensive coverage that includes roof leak repairs and a free HVAC tune-up. For budget-conscious homeowners, the ShieldSilver Plan is one of the best values for systems-only coverage in the industry. However, if you’re looking to upgrade to luxury home warranty coverage, notably for appliances, we recommend looking into First American Home Warranty instead.
Plan Details and Cost
AHS offers the following plans in Utah:
- ShieldSilver ($45 per month): This plan covers home systems such as your HVAC, plumbing, and electrical.
- ShieldGold ($65 per month): This plan covers everything in the ShieldSilver Plan and adds kitchen and laundry appliances.
- ShieldPlatinum ($95 per month): This plan covers everything in the previous two plans, as well as extras such as roof leak repairs, a free HVAC tune-up, unlimited air conditioning (AC) refrigerant refills, and code violations and permits.
AHS offers $5,000 coverage limits for HVAC systems and up to $4,000 for home appliances, depending on the plan you choose. We recommend reading an AHS sample contract for specific details on covered components and coverage limits.
Customers can choose between a $100 or $125 service call fee, which is what you owe each time a technician visits your home for a repair. AHS only offers six add-ons, but we recommend the following options for Utah homeowners specifically:
- Electronics protection plan
- Guest unit
- Roof leak repair (if not included)
- Septic pump
- Well pump
Choice Home Warranty
Coverage Overview
- Has a quick claim response time of four hours, according to the company
- Charges affordable rates for comprehensive coverage in Utah
- Offers high $3,000 coverage limits for most systems and appliances
Keep in Mind
- No appliances-only or systems-only plan options
- Doesn’t offer flexible service fees
Our Review
Choice Home Warranty offers Utah homeowners a good value for their dollar with $3,000 coverage limits for most items and full home coverage for as low as $61 per month. Plus, Choice has 10 add-on options and an impressive workmanship guarantee of 90 days for parts and 60 days for labor. This puts the company ahead of competitors that only offer 30 day coverage on repair work. While Choice doesn’t offer a systems-only or appliance-only plan, both its available policies include a combination of both. However, the lower-tier Basic Plan excludes some important items, such as air conditioners, clothes washers and dryers, and refrigerators.
However, buyers should note that Choice is currently part of a class-action lawsuit filed by the Arizona Attorney General in 2019. The lawsuit is still active and claims that Choice intentionally avoided paying for repairs using contract loopholes and claim denials in bad faith. Although the company has racked up a good amount of positive reviews on sites like Trustpilot and Google Reviews, customers may still consider this looming legal trouble.
Plan Details and Cost
Choice Home Warranty offers the following plans in Utah:
- Basic Plan ($61 per month): This plan covers essential home systems and appliances, but excludes refrigerators, air conditioning, washers, and dryers.
- Total Plan ($69 per month): This plan covers everything in the Basic Plan and adds coverage for refrigerators, air conditioning, washers, and dryers.
Choice offers $3,000 coverage limits for most appliances and home systems, though exceptions apply for a number of specific items like well pumps, roof leaks, and septic tanks. We recommend reading a Choice Home Warranty sample contract for specific details on covered components and coverage limits.
Choice offers the following add-ons:
- Well pump
- Additional spa
- Central vacuum
- Limited roof leak protection
- Pool and spa
- Second refrigerator
- Septic system
- Septic tank pumping
- Stand alone freezer
- Sump pump
Elite Home Warranty
Coverage Overview
- Offers pre-set plans for appliances, systems, and a combination of both
- Allows customers to choose their own plan coverage from scratch
- Has affordable monthly rates of $60 or less
Keep in Mind
- Limits coverage for the first 90 days of your contract term
- Charges a $150 service call fee for off-hour, high-end appliance, and add-on repairs
Our Review
Elite Home Warranty stands out as one of the best home warranty providers in Utah because of its affordable plans and customization options. Elite offers comprehensive coverage for $60 a month, making it one of the cheapest home warranty companies we’ve reviewed. Elite is also the only provider on this list that lets you hand-pick your own plan from scratch, allowing customers to pay for the coverage they want without adding anything they don’t need.
However, one downside is you have to call the company in order to get an accurate quote. Elite lists general plan prices on its website, but the only way to get a personalized rate is to call an agent. No other company on our list requires a phone call to get a quote, which is a potential inconvenience for customers who prefer an entirely digital sign-up process.
Plan Details and Cost
Elite Home Warranty offers the following plans in Utah:
- Elite Appliances ($45 per month): This plan covers eight essential appliances, such as ovens, washers, dryers, and more.
- Elite Systems ($50 per month): This plan covers eight major home systems, including heating systems, air conditioning, plumbing, and electrical.
- Elite Complete ($60 per month): This plan covers all the appliances and home systems in the previous two plans.
The Elite Home Warranty sample contract is very long and has a lot of fine print, making it easy to miss crucial details if you don’t read it carefully. For example, Elite has a 30-day waiting period, which meets the industry average, but limits coverage to $300 for all claims within the first 90 days. Without knowing about this limitation, customers may find Elite’s 30-day waiting period misleading.
Elite charges a $70 flat-rate service fee for standard repairs, with the rate increasing to $150 for weekend and off-hour visits and high-end appliance and add-on repairs. Elite also offers 30 add-ons, of which we’ve listed the most relevant options for Utah homeowners below:
- Generator
- Guest house
- Hot tub
- Lawn sprinkler system
- Trash compactor
First American Home Warranty
Coverage Overview
- Offers high appliance coverage limits on all plans of up to $7,000
- Features limitless coverage for systems such as your HVAC, electrical, and plumbing
- Has flexible service fee options
Keep in Mind
- Charges higher rates for the comprehensive Premium Plan
- Doesn’t include your home’s water heater or air conditioning coverage in the lowest-tier Starter Plan
Our Review
First American Home Warranty is one of our top picks for service providers in Utah, mainly because of its high coverage limits. First American offers $3,500 per appliance on its Starter and Essential plans, and that limit jumps to $7,000 on its Premium Plan. The industry average for appliance coverage limits is roughly $2,000—$3,000, based on our research, putting First American ahead of the curve. The company also offers unlimited coverage for most home systems, which means you won’t have to pay out of pocket for covered repairs.
However, First American doesn’t offer separate plans for appliances and home systems, so you’ll have to pay to cover a mix of both. Also, the Starter Plan doesn’t include washer, dryer, or air conditioning coverage, so you’ll have to upgrade plans if you want to cover these essential items.
Plan Details and Cost
First American Home Warranty offers the following plans in Utah:
- Starter Plan ($76 per month): This plan covers basic appliances and home systems such as your home’s plumbing, heating, electrical, ovens, and dishwashers.
- Essential Plan ($99 per month): This plan covers everything in the Starter Plan, as well as air conditioners, washers, dryers, water heaters, and garage door openers.
- Premium Plan ($129 per month): This plan covers everything in the previous two plans and adds extras such as luxury appliances, faucets, and full garage door systems.
First American Home Warranty has a straightforward, yet detailed sample contract that outlines everything you need to know about your policy. Each section clearly shows which items the company covers, the coverage limits, and component exclusions. As with any home warranty company, we recommend reading First American’s sample contract in full before purchasing a policy.
First American offers $3,500 per appliance on its Starter and Essential plans, and $7,000 on its Premium Plan. It also extends unlimited coverage for most home systems. Customers can choose either a $100 or $125 service fee, which is average for the industry. First American offers 11 add-ons to choose from, with the most relevant options for Utah homeowners including:
- Central air conditioning
- Limited roof leak
- Septic system
- Water softener
- Well pump
AFC Home Warranty
Coverage Overview
- Offers a longer workmanship guarantee than competitors with coverage for the duration of your plan
- Lets members pick their own technicians
- Offers service fee options as low as $75
Keep in Mind
- Doesn’t cover unknown, preexisting conditions
- Plan options may vary based on your location
Our Review
AFC Home Warranty is one of our top-rated providers in Utah because it allows members to choose their own technicians and extends a lifetime workmanship guarantee. These perks may not seem as flashy as low prices or limitless coverage limits, but both offer benefits for homeowners. Having the ability to choose a contractor you know and trust can offer peace of mind if you need repairs. And if you don’t have a local technician, AFC Home Warranty can source one for you.
On a similar note, the company’s lifetime workmanship guarantee helps ensure you don’t pay for additional repairs over the duration of your plan. If a component malfunctions after a technician has already fixed it at any point during your contract, AFC Home Warranty will cover additional repairs for free. However, AFC Home Warranty doesn’t cover unknown, preexisting conditions. This is a common exclusion with home warranties, but some companies such as AHS and First American Home Warranty offer this coverage.
Plan Details and Cost
AFC Home Warranty typically offers four plans, but our team was only offered the following options when we requested a sample quote for a home in Utah:
- Gold Plan ($44 per month): This plan covers 15 home systems and appliances, including your HVAC, kitchen and laundry appliances, plumbing, and electrical.
- Platinum Plan ($51 per month): This plan covers everything in the Gold plan and adds coverage for ceiling fans, exhaust, attic fans, and more.
- Diamond Plan ($82 per month): This plan covers everything listed above plus smartphones, home electronics, and exterior sewer and water lines.
AFC Home Warranty’s sample contract is only nine pages long, but has a lot of fine print when it comes to coverage caps. For example, the company offers $3,000 limits per appliance and unlimited coverage for HVAC systems, both higher than a lot of competitors. However, it only offers $500 for plumbing and electrical, and $1,000 for water heaters, both below the industry average.
AFC Home Warranty has service fee options of $75 and $125, which fall on either side of the industry average of $100. The company only offers a few add-on options, but its electronics coverage stands out as something other companies don’t always offer. We recommend the following add-on options for Utah residents:
- Electronics
- In-ground pool
- Roof leak coverage
- Stand-alone freezer
- Sump pump
Our Experience Filing Claims
Our team purchased policies with top-ranked home warranty companies and filed claims ourselves to give you a firsthand account of how the process works. For example, our AHS tester filed a claim for a leak in his bathroom and kitchen floor using his smartphone. He simply logged into his account, selected the “file a claim” option, clicked on the icons that described his problem, and hit submit. He got an email and text confirmation from AHS immediately after he filed his claim, followed by a call from a local contractor within five minutes.
He booked an appointment for the next day, at which the contractor showed up early and repaired the leak within two hours. The technician was friendly, knowledgeable, and went above and beyond to offer advice on how to fix the secondary damage from the leak. Our tester only had to pay his $75 service fee for the repairs. While customer reviews about claims filing and technicians can vary, our tester’s experience shows the overall value of a home warranty.
Home Warranty Costs in Utah
Based on our quotes, the cost of a home warranty in Utah ranges from $55–$92, with an average plan rate of $74. This is above the national average of $56 per month. You can find the average plan cost for each provider in the table below.
| Provider | Average Monthly Cost | Service Fee Options |
|---|---|---|
| American Home Shield | $45–$95 | $100–$125 |
| Choice Home Warranty | $61–$69 | $100 |
| Elite Home Warranty | $44–$60 | $70 |
| First American Home Warranty | $76–$129 | $100–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
Note: Individual pricing may vary based on your ZIP code, plan and add-on selections, and service fee rate.
How We Determined Home Warranty Pricing
To better estimate home warranty costs in Utah and across the U.S., we collected over 4,000 quotes from 13 providers in all 50 states. Our pricing analysis included single-family homes both under and over 5,000 square feet. For Utah, we gathered quotes for homes in Escalante, Provo, Salt Lake City, and Sandy. To determine a national price range, we averaged home warranty costs from each state, considering both urban and rural areas.
Survey Insights from Utah Homeowners
In 2025, we conducted a nationwide survey of 2,000 homeowners with home warranty coverage to learn more about their shopping journeys and experiences. For 63% of Utah homeowners, home warranty protection was included with their new home purchase.
Coverage was a key motivator for Utah homeowners when shopping for a home warranty, with comprehensive protection being the most popular choice among respondents. In terms of item coverage, Utah residents prioritized protecting their heating or furnace systems (38%) and water heaters (44%). About 56% of homeowners chose not to buy additional coverage. Of those who did purchase add-ons, roof leak coverage was the most common selection.
Regarding claims, most Utah homeowners requested system repairs or replacements, with an average service call fee of $85. Overall, 94% of respondents reported having their claims approved, and those denied typically faced issues over lack of item coverage. Of the homeowners with approved claims, 44% of respondents received repairs and 38% were offered a full replacement. Overall, Utah homeowners reported being satisfied with their home warranty plans, as reflected by the 75% of respondents who plan to renew their coverage.
How We Collected Our Survey Data
We conducted a nationwide survey of 2,000 homeowners in 2025 to better understand their experiences with home warranties. The survey looked at motivations for purchasing coverage, overall service satisfaction, and interactions with claims and customer support. Additionally, we looked into plan pricing, available add-on options, and the frequency of contract renewals.
FAQs About Home Warranties in Utah
How much does a home warranty cost in Utah?
A home warranty policy costs between $55–$92 in Utah, based on quotes gathered by our team, with an average of $74 per month. However, this could vary depending on your ZIP code, chosen plan, service fee, and if you purchase any add-on coverage.
What is the best home warranty in Utah?
While multiple home warranty providers service Utah, our top pick in the state is American Home Shield because of its affordable rates for systems protection, high plan limits, and coverage of unknown, pre-existing issues.
Is a home warranty required in Utah?
The state of Utah doesn’t require home warranty policies by law, which aligns with other U.S. states. However, home warranties can still benefit homeowners looking to cover essential items in the event of a breakdown, such as your HVAC or refrigerator.
What is a red flag when looking for a home warranty company?
Some red flags to watch for when comparing home warranty companies include excessive coverage exclusions, poor customer service or communication, aggressive sales tactics, low coverage limits on essential items, ongoing lawsuits, and customer complaints about late response times or denied claims.
How We Evaluated Home Warranty Providers
Our detailed rating methodology helped us rank home warranty providers in Utah based on factors most important to consumers like you. We also conducted research to gain firsthand experience with each company, such as purchasing policies and filing claims ourselves, calling representatives, requesting quotes, and reading sample contracts.
Once we finished our research, we ranked each provider on a 5-point scale based on the following metrics:
- Coverage: In Utah, having a home warranty plan with systems coverage can help keep your heating and air conditioning functioning during the state’s warm summers and cold winters. Our top-rated providers offer plans for appliances, systems, and total home coverage.
- Cost: Home warranty costs vary widely and depend on your monthly rate, service fees, and additional expenses. We gave the most points to providers offering comprehensive plans for $60 or less, which is below the state average, and service fee options under $100.
- Trustworthiness: Choosing a reliable provider can make the difference between having a policy that covers you when you need it most and getting stuck with denied claims until your contract is over. We gave the most points to companies with good customer reviews and BBB ratings, workmanship guarantees, and no ongoing lawsuits.
- Plan transparency: Knowing what your plan covers—and what it doesn’t—can help you avoid denied claims and out-of-pocket repair costs. We gave the most points to companies that offer online pricing and sample contracts with clear terms and conditions for the state of Utah.
- Customer support: Without proper communication with your home warranty company, you could end up handling breakdowns yourself. For this reason, we awarded the most points to companies offering multiple ways to submit claims, 24/7 chat availability, easy-to-use online portals, and fast response times.
- Flexibility: Utah homeowners will have varying coverage needs based on their unique home, which is why plan flexibility is important. We gave the most points to companies that offer more than three plans, several add-on options, the ability to choose your own technician, and options to customize coverage.
