Home Warranty

7 best home warranty companies in Horizon West, Florida

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Horizon West. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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Consider a home warranty to financially protect your home's essential items. These policies cover the replacement or repair of common household systems and appliances, such as air conditioners and refrigerators, for a monthly fee.

Many essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Horizon West home contains aging dishwashers, furnaces or the like, you'll likely encounter an unexpected breakdown. These best home warranty firms offer robust coverage at a fair price.

Appliance failures due to normal wear and tear aren't covered under homeowners insurance, so having a home warranty can provide you an additional safeguard against the unexpected. We've done the research to determine what home warranty companies have the best major appliance and system coverage.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Horizon West

Here's our list of the best home warranty companies in Horizon West:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite lets you fully customize a plan for your exact coverage needs. It also provides an exceptionally long 90-day workmanship guarantee.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

American Home Shield was one of the first home warranty companies, having been in business since 1971. It provides three base plans and six add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American is known for its comprehensive appliance coverage caps. With an Essential or Premium plan that has the First American Advantage upgrade, you could also get coverage for miscellaneous components, including appliance knobs and dials.

What we like

Allows you to choose your service call fee
Doesn’t have a coverage cap on heating, cooling, or ductwork
Accepts 24/7 service calls
Offers replacement of some covered items that are too damaged to repair

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch Home Services provides coverage perks other companies don’t, such as a homeowners insurance deductible reimbursement. Like most home warranty companies, Cinch offers flexible service fees that raise or lower your plan premium.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.

What we like

Provides low service fees compared to other home warranty providers
Includes two extra months of coverage in annual signup
Has an appliance-only, systems-only, and combo plan option

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Horizon West

The average cost of a home warranty in Horizon West is in line with the national average, ranging from $40.91 to $77.05 per month. If you prefer to pay an annual premium, expect to pay between $563.62 and $927.43 per year. To calculate national averages, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties protect various home appliances and major systems, but they're not a substitute for homeowners insurance. Below, we'll outline what's generally covered in a home warranty and what isn't.

What are the typical items covered under a home warranty?

Washing machines
Refrigerators
Built-in microwaves
Cooktops
Dishwashers
Clothes dryers

Kitchen items and outdoor appliances make up the first group of items that a home warranty covers. This includes the following items: The second category of covered items under a home warranty is major systems. Not every plan covers the same major systems. However, you can find coverage for any of these items:

Plumbing
Water heater
Electrical
HVAC
Central vacuum

What items are typically not covered under a home warranty?

Just like other service contracts, home warranties will not provide coverage for certain items or events. Your contract calls these exclusions. One common exclusion is breakdowns caused by damage outside normal wear and tear. For example, the warranty would probably not cover an air conditioner malfunctioning due to a dirty air filter, since replacing the filter is a part of routine maintenance.

Cosmetic damage
Improper system or appliance installation
Preexisting conditions
Hazardous waste
Rust or corrosion damage
Acts of nature

Questions to ask home warranty providers in Horizon West

Ask each home warranty provider these questions before you purchase a plan.

What items would my policy cover?

Make a list of the appliances and systems you need covered before getting home warranty quotes. This way, you can seek out a company that includes them. Some providers separate appliance and system coverage. Most home warranty companies also sell optional add-ons for things like well pumps and additional refrigeration. Evaluate what add-ons you might need and how much they'll add to the home warranty cost.

How long is my home warranty good for?

Generally, a home warranty plan lasts for 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies require a 30-day waiting period to prevent customers from filing claims for preexisting conditions. Purchasing a multiyear plan extends protection beyond the standard 12-month term.

What contractors do you work with?

When you're researching home warranty companies, be sure to ask about which service contractors they use. Each repair team must follow specific licensing requirements and standards to get repair approval from the warranty company. If there are no partner contractors in your area, the warranty terms might allow you to choose your own repair company. You can verify a contractor's license by searching the Florida Department of Business & Professional Regulation database.

How does your claims approval process work?

Knowing more about your warranty company's claims process boosts your chances of getting a claim approved. Most companies accept claims through the web or via a 24/7 phone line. Once you file, the company will aim to reply within 24 to 48 hours. Filing outside normal business hours may lead to a slower process. If the home warranty company initially approves your claim, they'll match you with a service contractor from their network. The contractor will schedule a consultation with you to examine the appliance firsthand. Once they get final approval from the warranty company, they'll proceed to make repairs and manage billing on your behalf.

Can I transfer my policy to the next owner of my home?

Most home warranty companies allow you to transfer your policy to a new homeowner if you need to move. Sometimes, transfers are free, and other times, the company will charge a transfer fee for the service. Some home warranty companies also offer special coverage plans that are easily transferred to prospective buyers. Home sellers buy these home warranty plans to enhance their home's appeal.

Home warranty contract fine print

Before committing to a home warranty, we strongly recommend reading a sample contract. Learning more about the company's terms and conditions will help you determine the best fit. It'll also help you advocate for yourself if you need to file a claim. Look for these key terms and clauses in your research:

Coverage limit: Your home warranty's coverage limit is the cap on how much the company will pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.
Service call fee: The service call fee is how much you'll pay the home warranty company or service provider for every claim. Fees typically vary between $75 and $125 per claim.
Workmanship guarantee: Workmanship guarantees help protect you from additional service call fees if an in-network technician doesn't adequately address a covered issue. Most guarantees are 30 days long, but some companies offer longer periods.
Exclusions: Be sure to familiarize yourself with component-specific exclusions in the home warranty company's sample contracts. Some parts of a device may be excluded even if the appliance itself is typically included under the policy.
Cancellation: Each home warranty company has a cancellation policy in its fine print. Many companies will refund your annual premium in full if you cancel within the first 30 days of enrollment.

Facts about Horizon West

Average High in July

90°F

Horizon West

83°F

National Average

Average Low in January

51°F

Horizon West

17°F

National Average

Average Daily Sunlight

78%

Horizon West

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

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. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Horizon West, Florida

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