Best home warranty companies in Ohio (2024)

What we like

Liberty Home Guard (LHG) is another practical choice for Ohio homeowners. The company offers 38 additional coverage options, allowing for ample customization. Additionally, LHG provides a 60-day workmanship guarantee, which is twice the industry standard of 30 days.

What we don’t like

We combed through LHG’s sample contract and found that during the first 90 days of coverage, the company’s coverage caps for plumbing and electrical systems are only $250 per claim. After 90 days, that cap doubles to $500 per claim, but it has a $2,000 limit per claim on all other covered items.

We also couldn’t find LHG’s service fee pricing on its website. When we called a representative for the information, they told us that the fee ranges from $65 to $125 per claim. Additionally, they assign it based on your home’s size and location.

Liberty Home Guard offers three warranty plans. One only covers appliances, one only covers systems, and one combines the two for comprehensive coverage.

• Appliance Guard ($50 per month): The Appliance Guard plan covers nine home appliances, such as cooktops and garage door openers.
• Systems Guard ($55 per month): The Systems Guard plan covers six home systems, including air conditioning and ductwork. 
• Total Home Guard ($60 per month): The Total Home Guard bundles both the Appliance and Systems Guard plans for comprehensive home warranty coverage.

Add-on options: Of all the warranty companies we’ve reviewed, LHG has the largest selection of optional coverage available. When getting a quote from the company’s website, we counted 42 add-on options, including gutter cleaning, sump pump and central vacuum coverage.

Other factors that influence coverage: LHG extends a 60-day workmanship guarantee on all covered repairs. The company’s annual cap is $2,000 per covered item. Plumbing and electrical items have a $250 cap for the first 90 days.

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. Most reviews cite helpful and knowledgeable customer service representatives. 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.

The company has high ratings on other review sites as well. On Trustpilot, consumers rate LHG 4.7 out of 5 stars. Many customers mention certain LHG representatives by name, praising their attentive and thorough service.

What we like

2-10 Home Buyers Warranty is our top pick for Ohio residents. The company offers perks you won’t find anywhere else, including replacement appliance color matching and an “Even If” Guarantee that refunds your service fee if the broken item isn’t covered under your warranty plan.

When reading through 2-10’s sample contract, we noticed the company also offers an Appliance Discounts program. If you purchase a 2-10 home warranty, you’re eligible to save up to 65% on GE and Whirlpool appliances.

Additionally, 2-10’s workmanship guarantee lasts the length of your warranty.

What we don’t like

There are a number of exclusions in 2-10’s warranty plans. For example, washers and dryers aren’t covered under the company’s basic appliances plan. If any items have preexisting conditions, they won’t be covered by a 2-10 plan.

Further, if you opt for monthly payments, the company charges a 9.5% processing fee.

2-10 Home Buyers Warranty offers three home warranty plans with service call fee options of $65, $85 or $100.

Below are summaries of 2-10’s warranty plans:

• Simply Kitchen ($27 per month): The Simply Kitchen plan covers six kitchen appliances, including your cooktop and dishwasher.
• Complete Home ($47 per month): The Complete Home plan covers kitchen appliances and major home systems, including plumbing and HVAC.
• Pinnacle Home ($61 per month): The Pinnacle Home plan covers everything in the Simply Kitchen and Complete Home plans, adding 2-10’s Supreme coverage, which protects items such as locks, faucets and alarm systems.

Add-on options: 2-10 offers a wide variety of add-ons — 16 options in total. These include well pumps, freestanding freezers, septic systems and more. The quote we requested listed roof-leak coverage for an additional $8 per month.

Other factors that influence coverage: The company’s workmanship guarantee lasts for the life of the warranty. 2-10 caps coverage for standard items at $2,000 per contract year. Adding the Supreme upgrade to your contract will extend the annual limit to $5,000 per item.

2-10 Home Buyers has an A rating with the Better Business Bureau (BBB). Despite its strong rating, customers give the provider an average of 1.2 out of 5 stars. Consumers frequently cite poor communication as a reason for low reviews. It’s important to note that many providers have low customer ratings on BBB, as it functions as a site to field customer complaints.

The company has strong ratings on other review sites, though. On Google Reviews, customers rate 2-10 Home Warranty 4.2 out of 5 stars on average. Jen M. highlights the company’s excellent customer service and prompt response time. Another Google Review from Taye K. also praises 2-10’s customer service and points out the technician’s skill.

What we like

American Home Shield (AHS) is another good choice for Ohio homeowners as it also scored very highly in our review standards. Its Electronic Protection Plan add-on covers items like laptops and only costs an additional $10 per month, according to our quote from the company. AHS plans also cover items with unknown preexisting conditions, which is rare in the home warranty industry.

What we don’t like

Unlike our other top picks for Ohio home warranties, AHS doesn’t offer many add-ons, making its warranty coverage much less customizable. Additionally, in order to get any appliance coverage, you’ll need to purchase the ShieldGold or ShieldPlatinum plans. AHS doesn’t offer a stand-alone appliances plan.

American Home Shield offers three home warranty protection plans. You can choose between a $100 or $125 service call fee. The higher the service fee, the lower your monthly payment will be.

• ShieldSilver ($30 per month): ShieldSilver is a basic plan that covers your home’s plumbing, HVAC and electrical systems.
• ShieldGold ($50 per month): The ShieldGold plan includes major systems covered by ShieldSilver and adds coverage for kitchen and laundry appliances.
• ShieldPlatinum ($80 per month): The ShieldPlatinum plan covers everything listed in the ShieldSilver and ShieldGold plans and adds coverage for code violations, roof-leak repair and a free HVAC tuneup.

Add-on options: AHS only provides six additional coverage options, which is much fewer than our other top picks. Included in the six add-ons are guest units and septic pump coverage. Our quote listed roof-leak repair at an additional $10 per month.

Other factors that influence coverage: AHS provides a 30-day workmanship guarantee, which is about the average for warranty companies. While looking through state-specific sample contracts in the AHS’ sample contract directory, we found that most systems have an unlimited annual coverage cap, and HVAC systems have a cap of $5,000 per contract year. In its ShieldSilver and ShieldGold plans, AHS caps appliance coverage at $2,000 per claim but increases it to $4,000 per claim in its ShieldPlatinum plan.

American Home Shield has mixed reviews across most customer review sites. The company has a B rating from BBB but a 2.1-star rating out of 5 from customers. AHS has a 2.2-star rating out of 5 on Trustpilot. However, customers on Google Reviews give the provider 4.5 out of 5 stars.
Customers with negative experiences often cite poor service from AHS technicians. A review from Angelo B. on Trustpilot mentions one technician unwilling to fix a ceiling fan and another failing to inspect a sump pump properly. But this positive review on Google from Michelle Q. applauds AHS for its swift response and helpful technician.

What we like

There’s a lot to like about the robust coverage First American Home Warranty offers. There are three coverage plans to choose from, all of which have coverage for systems and appliances. First American doesn’t put a cap on coverage for water heaters, HVAC and electrical systems or garage doors. If you opt for the First American Advantage upgrade, you’ll find coverage for preexisting conditions, smaller items like appliance knobs and dials, and repair fees.

What we don’t like

Air conditioner coverage is only available as an add-on if you choose the Starter Plan, which bumps up the cost of First American’s most basic contract. When it comes time to address systems or appliance breakdowns, you’ll only have access to approved technicians — you can’t choose your own. In comparing First American to other home warranty companies, we found the provider’s rates to be slightly higher than most.

Additionally, if you choose to pay for your warranty in monthly installments, First American charges a $2 processing fee. First American won’t charge the additional fee if you pay annually.

First American Home Warranty has three straightforward warranty plans. You can choose from a $75, $100 or $125 service call fee.

• Starter Plan ($44 per month): The Starter Plan covers major systems and appliances, including heating systems, plumbing stoppages, refrigerators and built-in microwaves.
• Essential Plan ($54 per month): The Essential Plan covers all Starter Plan items and adds coverage for laundry appliances, water heaters and garage door openers.
• Premium Plan ($69 per month): The Premium Plan combines the Essential and Starter Plans and expands coverage to include faucets, garbage disposals and luxury appliances.

Add-on options:

First American offers 12 add-on items, including water softeners and pool equipment. You can also add an HVAC tune-up for an extra $2 per month.

Other factors that influence coverage: 

When speaking with a First American service representative, we discovered that the company offers unlimited coverage caps for all systems besides water heaters. A scan through the company’s sample contract shows that First American puts a $1,000 annual cap on water heater repair in the Essential Plan but removes that cap in the Premium Plan. 

First American caps appliances at $3,500 per claim within its Starter and Essential plans. It raises its appliance limit to $7,000 per claim in its Premium Plan.

First American is another warranty provider with mixed reviews. It holds a B rating from BBB, but 1.8 out of 5 stars from customers. On Trustpilot, however, customers give First American a solid rating of 4.1 out of 5 stars.

Some customers complain about a circuitous claims process, with poor communication and constant phone tag. Reviewers with positive experiences cite stellar customer service. A Trustpilot review from Ralph O. hails FAHW’s diligent communication and detail-oriented technician.

What we like

Cinch Home Services has carved a niche by covering items other home warranty providers don’t, such as ice makers and trash compactors. The company also offers interesting perks, including a $25 credit for replacement refrigerator or air conditioner filters and a homeowners insurance deductible reimbursement.

The company also offers a 180-day workmanship guarantee, which is six times longer than the industry average of 30 days.

What we don’t like

Cinch’s service fees start at $100, which is just higher than the industry average of $99. Cinch doesn’t offer many add-on options, so your warranty coverage won’t be as customizable as with some other providers. And, like First American Home Warranty, you can’t choose your own technician for repairs and replacements.

Cinch offers three coverage plans with service call fees of $100, $125 or $150.
Below are descriptions of Cinch’s warranty plans:

• Appliances Plan ($31 per month): The Appliances Plan only covers kitchen and laundry appliances, including cooktops and clothes washers.
• Built-in Systems Plan ($36 per month): The Built-In Systems Plan covers major systems, including your home’s electrical, heating and plumbing systems.
• Complete Home Plan ($45 per month): The Complete Home Plan combines the items in the Appliances and Built-in Systems Plans and adds a homeowners insurance deductible reimbursement.

Add-on options: Cinch only provides six add-on coverage options. If you choose the Premium Upgrade Package for an additional $12.50 per month, you can get coverage for code upgrades, permits and more.

Other factors that influence coverage: One standout aspect of Cinch’s service is its 180-day workmanship guarantee, one of the longest in the industry. The company’s coverage limits are a whopping $10,000 per year, also one of the highest among home warranty providers.

Cinch Home Services has a B+ rating on BBB. Customers on the organization’s site give the company 1.1 out of 5 stars, one of the lowest ratings we’ve come across. Customer reviews on Trustpilot and Google Reviews are a bit stronger, however. Trustpilot reviewers rate Cinch 3.7 out of 5 stars, while those on Google Reviews give Cinch 3 out of 5 stars.

Poor reviews, like this one from Amanda R., cite long waits for service to be completed. Positive reviews typically mention speedy and knowledgeable service technicians.