Best home warranty companies in Florida 2024

What we like
Liberty Home Guard’s focus on customer service translates to favorable ratings on consumer review sites, and its 24-hour live chat feature provides additional convenience. Here’s what else we like about LHG:

• Provides a 60-day workmanship guarantee
• Covers two AC units and two air handlers with its midtier and upper-tier plans
• Offers 42 optional add-ons

What we don’t like
Liberty is not transparent about its service call fee structure. Most home warranty companies reveal their service fees before you purchase a plan, with some allowing you to choose from a range of fees that will raise or lower your monthly premium. Liberty’s service fees, $65–$125 per claim, are only revealed after you purchase a plan, and you can’t choose which fee you’re assigned.

Here are a few other downsides to LHG:

• Levies an 8% surcharge for administrative fees on monthly and annual premium payments
• Limits electrical and plumbing coverage to $250 in the first 90 days, increasing to $500 afterward
• Charges extra for pro-grade appliance coverage

Liberty’s plans cover what they say they’ll cover. The roster of optional add-ons is among the largest in the home warranty industry. Pricing also aligns with national averages. 

• Appliance Guard ($54 per month): Covers refrigerators, microwaves, ranges, garbage disposals, dishwashers, clothes washers and dryers, ceiling and exhaust fans, and garage door openers.
• Systems Guard ($60 per month): Covers major home systems such as AC, heating, ductwork, plumbing, electrical and water heaters.
• Total Home Guard ($65 per month): Provides comprehensive coverage for all home systems and appliances covered by the Appliance Guard and Systems Guard plans.

Add-on options: Liberty’s 42 add-ons include several options pertinent to Floridians, such as pool and spa coverage, lawn sprinkler coverage and limited roof-leak coverage. Liberty also offers coverage for an outdoor generator at $19.99 per month.

Other factors that influence coverage: Liberty’s 60-day workmanship guarantee doubles the industry standard of 30 days. Its standard dollar limit for covered items is $2,000, falling to $500 for electrical and plumbing systems.

Liberty Home Guard’s A rating on BBB was changed to N/R (“not rated”), but it holds a BBB customer review rating of 4.5 out of 5 stars. In March 2024, LHG responded to losing its A rating with a statement that the company’s customer satisfaction levels remain the highest relative to its scale. LHG also stated that in February 2024, it received the lowest number of cancellation requests in its history.

Several unfavorable reviews on BBB and third-party review site Trustpilot mentioned slow response times for claims. Customer Eric A. wrote that he waited three days for LHG to assign a technician to repair his furnace, then finally hired a technician himself. Because he did not use a technician appointed by LHG, the company would not pay the full price for the repair.

What we like
We rated 2-10 Home Buyers Warranty a 4.8 out of 5 based on our home warranty review standards, placing it at the top of our list overall. It earns a nod for Florida because of its HVAC coverage options. We like that 2-10 offers the following:

• An HVAC-specific coverage plan, ideal for Floridians who want to protect their air conditioners in the summer
• Generous coverage limits with its luxury package add-on
• Multiple HVAC-related optional add-ons

What we don’t like
While 2-10 stands out in a crowded field of home warranty providers, it falls short of the competition in a few areas.

• Charges a 9.5% processing fee for monthly premiums
• Excludes washers and dryers from its basic appliance plan
• Provides a limited number of in-network contractors

2-10 shows three main plans on its website, but the company also offers plans covering specific home components and HVAC systems. The cost and availability of those plans vary by geographical region and home size.

• Simply Kitchen ($27–$36 per month): Covers home appliances such as refrigerators, ranges/ovens, built-in microwaves and dishwashers.
• Simply HVAC ($40–$50 per month): Covers cooling and heating components and thermostats.
• Essential Home ($51–$62 per month): Covers all components in the Simply Kitchen and Simply HVAC plans.
• Complete Home ($47–$53 per month): Covers all components in the Essential Home plan, plus plumbing and electrical systems.
• Pinnacle Home ($61–$70 per month): Covers everything in the Complete Home plan, plus refrigerant recharges, filters, concealed plumbing and electric components, haul-away and crane costs, burglar and fire alarms, and additional home appliances.

Add-on options: 2-10 shines with its add-on coverage for Floridians. Its luxury package upgrade increases your aggregate coverage limit to $25,000 annually and covers freshwater pools and roof leaks. It also offers a preseason HVAC tune-up for $8 per month and an HVAC surplus package that covers additional units.

Other factors that influence coverage: 2-10 offers scaling premiums based on service fees of $65, $85 and $100. It also offers an “even if” guarantee, which stipulates you may be reimbursed your service fee if a technician determines the malfunctioning item is not eligible for repair or replacement.

2-10 holds accreditation and an A rating with the Better Business Bureau (BBB), but a customer review rating of 1.2 out of 5 stars. Customer complaints focus on poor communication or delayed service.

Many customer reviews also highlight the quick repairs 2-10’s in-network technicians performed. These customers experienced a seamless claims process, from submitting the claim online or over the phone to a completed repair by the assigned in-network provider.

What we like

American Home Shield (AHS) offers AC protection in its lowest-priced plan. It also offers HVAC tune-ups in its highest-priced plan and covers some preexisting conditions for appliances and systems. Here’s what else we like about AHS:

• Covers mismatched AC systems
• Offers a generous $5,000 coverage cap for HVAC systems
• Provides a convenient, easy-to-use online claims portal

What we don’t like

AHS does not offer an appliance-only coverage plan. It also offers only monthly premiums rather than annual payments. We also don’t like the following:

• Provides relatively few add-on options
• Charges one of the highest prices we’ve seen for its most comprehensive plan
• Requires you to file a claim as soon as you discover an issue

AHS’ inclusion of air conditioner coverage in its lowest-tier plan gives it an edge in Florida.

• ShieldSilver ($40–$50 per month): Covers HVAC, plumbing and electrical systems.
• Shield Gold ($60–$70 per month): Includes everything in the ShieldSilver Plan, plus clothes washers, dryers and kitchen appliances.
• ShieldPlatinum ($90-$100 per month): Includes everything in the ShieldSilver and ShieldGold plans, plus an annual HVAC tune-up, unlimited AC refrigerant and roof-leak repair.

Add-on options: AHS offers a limited range of only six add-ons, including pool and spa coverage and roof-leak coverage, which comes in handy for Floridians. AHS also offers coverage for electronics at $18 per month.

Other factors that influence coverage: The coverage limit for AC components is $5,000, but is $1,500 for certain types of HVAC systems, including glycol, hot water or steam heating systems. The coverage limit for appliances ranges from $2,000–$4,000, depending on the item and the plan.

AHS holds BBB accreditation and a B rating with the organization. Customers rate the provider 2.1 out of 5 stars. 

Customers on Trustpilot report that AHS’s in-network technicians repair their broken items efficiently and to their satisfaction. Several customers also noted that AHS quickly set them up with service appointments, with some stating that they received an appointment confirmation within several hours of filing a claim.

What we like

Cinch Home Services, based in Boca Raton, Florida, is one of the few providers that offer coverage for rust and corrosion damage. It also has a reputation for fast service. In some cases, technicians were assigned to jobs in as little as two hours. We also like the following:

• Extends a 180-day workmanship guarantee, among the longest in the industry
• Provides home insurance deductible reimbursement of $500 with its highest-priced plan
• Lets customers select their own technicians in some circumstances

What we don’t like

Although Cinch’s premiums are in line with the other providers, its service call fees eclipse the national average with a range of $100–$150. Here are a few other cons:

• Charges the highest service call fees in the industry
• Does not offer roof-leak coverage, a must for most Floridians 
• Has relatively few add-on options

Cinch’s coverage follows the standard structure — an appliances plan, a systems plan and a combo plan. None of the plans cover routine maintenance or failures caused by anything other than normal wear and tear.  

• Appliances ($31–$41 per month): Covers major appliances, including clothes washers and clothes dryers.
• Built-in Systems ($36–$48 per month): Includes major systems, including HVAC, plumbing and electrical.
• Complete Home ($45-$57 per month): Covers everything included in the Appliances and Built-in Systems plans. 

Add-on options: Cinch offers limit add-on options, but its Premier Upgrade at $12.50 per month includes coverage for code violations and increases your coverage limits. Cinch also offers optional pool heater protection for $22 per month.

Other factors that influence coverage: Cinch’s annual dollar limit for all claims is $10,000. As with most providers, the higher your service call fee, the lower your monthly premium.

Cinch holds BBB accreditation and a B+ rating from the organization. Its BBB customer rating of 1.1 out of 5 stars is among the lowest in the industry. However, its customer rating is 3.7 out of 5 stars on consumer review site Trustpilot, and 53% of 3,052 customers who left reviews rated it 5 stars.

Many poor reviews cited Cinch’s lack of communication or miscommunication, especially during the post-claims process.

What we like

First American Home Warranty coverage limits are among the most generous in the industry. This can significantly reduce your out-of-pocket expenses for appliance and systems repairs or replacements. Here’s what else we like:

• Has generous coverage limits of $3,500 per claim for lower-priced plans and $7,000 for the highest-priced plan
• Provides unlimited coverage for all covered items except water heaters
• Offers an annual HVAC tuneup as an add-on with its lower-priced plans and includes the tune-up in its most comprehensive plan

What we don’t like

Unless you choose the highest-priced coverage plan, you might find yourself paying more out-of-pocket for AC repairs and replacement costs. Here are some other drawbacks of this provider:

• Does not cover AC in its lowest-priced plan
• Charges higher premiums than many competitors
• Does not include clothes washers and dryers in its lowest-priced coverage plan

First American offers three coverage plans. Note that while heating systems, plumbing and ductwork are covered in its basic plan, AC is not. 

• Starter Plan ($47–$62 per month): Covers a combination of appliances and systems, including microwaves, dishwashers, ranges, refrigerators and heating and plumbing.
• Essential Plan ($57–$72 per month): Adds AC, water heaters, trash compactors and other appliances and systems to the Starter Plan.
• Premium Plan ($72–$87 per month): Covers everything in the Starter and Essential plans, plus additional plumbing components, garbage disposals and garage door springs. This plan also includes an annual HVAC tune-up.

Add-on options: First American offers eight optional add-ons, including central AC for $8.33 per month or $100 per year. The company also offers an annual AC system tune-up for $2.08 per month or $25 per year for its Starter and Essential plans.

Other factors that influence coverage: First American offers a tiered service fee structure of $75, $100 or $125. The higher your service fee, the lower your monthly premium.

First American holds BBB accreditation and a B rating. It holds a BBB customer rating of 1.8 stars out of 5 stars but a Trustpilot rating of 4.1 out of 5 stars based on more than 13,500 consumer reviews.

Many unfavorable reviews of First American third-party sites mention poor or slow customer service. In a 1-star review for Trustpilot, customer Stephen from New Jersey wrote that on three occasions, plumbers did not arrive on the days they were scheduled.