We recommend Liberty Home Guard (LHG) and American Home Shield (AHS) based on their depth of HVAC coverage, pricing and available add-ons. LHG better suits homeowners with limited budgets, while AHS has higher coverage caps, making it a better option if you own older items.
If your air conditioner breaks down during an Arizona heat wave, you’ll want the peace of mind that comes with a home warranty company that provides fast and reliable AC repairs or replacements. According to our November 2023 home warranty survey of 750 homeowners, 46% paid between $5,000 and $14,999 for HVAC replacement.
The Homefront team analyzed and compared dozens of top home warranty companies nationwide using our proprietary methodology. From those, we chose our top providers for Arizona.
In the know
Over 150 homeowners have bought a home warranty plan from one of the above companies in the last 30 days.
Top Arizona home warranty companies
- Liberty Home Guard: Our top pick
- 2-10 Home Buyers Warranty
- American Home Shield
- Elite Home Warranty
- First American Home Warranty
Compare top home warranties
We gathered pricing information for the comparison table below by requesting quotes across all 50 states and calculating a national average for all featured companies. We used a 2,000-square-foot, single-family home in each state to obtain our quotes. Your pricing will vary based on your home’s size, location and coverage needs.
What do you need to know about Arizona home warranties?
A home warranty company’s reputation is based largely on its timely response and level of customer service. Not all home warranty claims are automatically approved, though you can increase the chances that a claim will be approved by regularly maintaining your appliances and systems.
For example, be sure to replace your central AC filter as directed and invest in annual HVAC inspections to ensure the ducts and other components remain in good repair.
“Keep your appliances and other home systems and units in good condition,” said Dottie Herman, vice chair of Douglas Elliman Real Estate in New York. “The warranty companies can tell if something has been mishandled or not properly cared for.”
The warranty companies can tell if something has been mishandled or not properly cared for.
Dottie Herman
Home warranty cost in Arizona
Our research shows that the nationwide average cost for a home warranty is $59 per month and $703 per year. In Arizona, expect to pay an average of $54 monthly and $647 annually. These costs are an average of quotes we requested from various leading home warranty providers. Your price will vary depending on your coverage level and covered items, the billing practices of the warranty company and your geographic location. Below are the average monthly and annual premiums of nine popular home warranty companies.
Company | Average monthly premium | Average annual premium |
---|---|---|
2-10 Home Buyers Warranty | $41 | $492 |
AFC Home Warranty | $76 | $911 |
American Home Shield | $59 | $713 |
ARW Home | $64 | $764 |
Choice Home Warranty | $51 | $609 |
Cinch Home Services | $40 | $481 |
First American Home Warranty | $54 | $644 |
Liberty Home Guard | $55 | $650 |
Select Home Warranty | $46 | $546 |
Arizona Average | $54 | $647 |
In addition to considering monthly or annual premiums, you should take into account the cost of service visit fees. According to our research, service call fees range from $75–$125, depending on the company you choose.
For this article, our team acquired quotes for a 2,021-square-foot home in Mesa, Arizona, from the five home warranty companies featured below. They ranged from $30–$90 (without add-ons).
Arizona-specific coverage needs
Arizona’s extreme summer heat, especially in and around southern population centers such as Phoenix and Tucson, can wreak havoc on HVAC systems. The heat wave of July 2023 produced daily low temperatures in the 90s for 16 consecutive days, and maximum temperatures reached 119 degrees Fahrenheit on three separate occasions.
The Arizona Department of Health Services recommends staying indoors as much as possible during extreme heat events. Therefore, a well-maintained, reliable air conditioning system is vital. According to the International Association of Certified Home Inspectors, window AC units last for five to seven years, while central air conditioners last for seven to 15 years. In parts of Arizona, a broken AC system could lead to health risks such as heatstroke.
Common red flags
As you research Arizona home warranty companies, keep an eye out for potential red flags. For example, you might find a lot of poor reviews on consumer sites such as Trustpilot.
Common complaints include unexpected costs related to service calls, rejected claims for needed home repairs, slower-than-expected service, unreturned phone calls or emails and slow response times for service calls.
Home warranty sample contracts
To truly understand the depth of home warranty coverage, it helps to read a sample service contract before you commit to a home services agreement. You can find these on most home warranty company websites — some companies, such as American Home Shield, even provide sample contracts specific to Arizona and every state they serve.
In addition to listing monthly fees and service call fees, a home warranty sample contract may include sections on the following:
- Cancellation policies: How you can end your contract and if there are any associated cancellation fees.
- Consumer obligations: What you must do to maintain coverage, such as making payments on time, updating your contact information when needed and notifying the home warranty company if you no longer own the property.
- Coverage limits and options: Which items and systems are covered along with payout limits for repairs and replacements.
- Coverage dates: When your contract begins and ends, in addition to any potential waiting periods for filing claims.
Are home warranties regulated in Arizona?
Home warranties in Arizona are regulated by statute and enforced by the state’s Department of Insurance and Financial Institutions (DIFI). The department issued a document that provides an overview of home warranty information, including consumer protections, potential red flags, coverage costs and tips for home warranty shopping.
Consumers can file complaints with the state through DIFI’s complaint form or through the Arizona Attorney General’s consumer complaints division.
Our rating methodology for home warranty companies
We research and rate home warranty providers to help you choose the right one for your budget and home. Our research includes gathering customer insights via consumer surveys, interviewing industry experts, secret shopping all of the companies we review and analyzing customer reviews from third-party review sites such as Trustpilot and BBB.
We compare home warranty providers across the following five categories:
- Coverage plans and extra features
- Coverage limits
- Price
- Reputation
- Customer service
Read our full home warranty company methodology for more information.
Our home warranty company reviews
Because of the extreme summer heat in Arizona, you need a home warranty company that covers systems that help keep you cool in the summer. These three home warranty companies scored well on overall coverage and service, as well as vital HVAC coverage.
For this Arizona article, we pulled quotes from each company below based on a 2,021-square-foot, single-family home in Mesa, Arizona. Our research shows that companies don’t vary their plan prices for homes that are under 4,000 square feet. This means that a provider will typically charge the same plan premium for a 2,000-square-foot home and a 3,000-square-foot home within the same ZIP code. However, pricing will vary based on your home’s location and coverage needs.
Best of the rest
These two reputable companies also serve Arizona and offer comprehensive coverage through their home warranty plans but just missed making our top three.
Final take: AC coverage helps Liberty Home Guard stand out in Arizona
Air conditioning breakdowns aren’t the only factor to consider as you shop for the right home warranty, but it’s important in Arizona. Several of the home warranty providers we reviewed offer good AC coverage, but LHG’s combination of HVAC coverage options, pricing and reputation gives it the edge.
As you do your research and request multiple quotes, make sure your plan options include home warranties that specifically cover ACs.
Best home warranty companies in major Arizona cities
BBB and Trustpilot reviews are accurate as of February 2024.
Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics.
Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information.
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