Home Warranty

7 best home warranty companies in Miami, Ohio

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 Miami. 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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Miami, OH

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

Did you know that the typical life span of an HVAC system is seven to 25 years? Other major systems, such as water heaters, only last an average of six to 12 years. Most appliances last just 20 years or fewer, according to the International Association of Certified Home Inspectors.

If your Miami home contains aging dishwashers, furnaces or the like, you'll likely encounter an unexpected breakdown. These top home warranty firms offer robust coverage at fair prices.

A standard homeowners insurance policy doesn't cover normal appliance wear and tear. With supplementary coverage from one of these home warranty companies, you'll have additional reassurance in case of a surprise malfunction.

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 Miami

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

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 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

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 Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

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

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional 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 has some unique home warranty offerings and coverage perks, including homeowners insurance deductible reimbursement. Just like many other companies, it also offers flexible service fees that give you a greater say in your 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 Miami

You'll generally pay $41-$70 per month for a home warranty in Miami, in line with the national average. Opting for annual payments means spending anywhere between $563.62-$927.48 for the year. To find the average home warranty plan cost, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

With a home warranty, you'll have extra coverage for major systems and home appliances. However, it's not a substitute for homeowners insurance, and there are some exclusions to coverage. Below, we'll summarize what's generally covered and what's not.

What are the typical items covered under a home warranty?

Clothes dryers
Cooktops
Refrigerators
Built-in microwaves
Washing machines
Dishwashers

Major appliances form the first category of items that home warranties protect. This includes the following items: The second category of protected 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:

Water heater
Central vacuum
Electrical
HVAC
Plumbing

What items are typically not covered under a home warranty?

Home warranties, similar to other service contracts, have coverage exclusions. Generally, home warranties won't cover item breakdowns caused by damage outside normal wear and tear. For example, if your air conditioner malfunctions due to a dirty air filter, home warranty companies probably won't cover the repairs since air filter replacement falls under routine maintenance.

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

Questions to ask home warranty providers in Miami

Before purchasing a home warranty coverage plan, we recommend asking providers the following questions.

What items does my policy cover?

Before asking a home warranty company for a quote, write down the specific systems and appliances that you need covered. Then, confirm the company has plans meeting your needs. Some companies separate appliance and system coverage into different plans. Also, many home warranty companies offer optional coverage, such as for swimming pools or roof leaks. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

A typical home warranty plan is good for one year from the coverage effective date, which is 30 days after the initial sign-up date. The 30-day waiting period is designed as a way to stop customers from filing claims for preexisting conditions. You can get coverage beyond 12 months with a multiyear plan.

What contractors do you work with?

When researching a home warranty company, ask which service contractors it partners with in your area. Many home warranty companies will let you select your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Miami to get repair approval from the home warranty provider. You can verify a contractor's license by searching the Ohio Construction Industry Licensing Board database.

How does your claims approval process work?

Each company's claims process is slightly different from the others. If a covered issue strikes, you could file a claim via their website or over the phone. Most companies try to address claims within 24 to 48 hours, though there might be processing delays when filing outside normal working hours. If the home warranty company grants initial approval to your claim, they'll match you with a service contractor from their network. The contractor will schedule a consultation with you to inspect and diagnose the problem. Once they get final approval from the warranty company, they'll do the repair work and handle billing on your behalf.

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

If you need to move, most home warranty contracts contain a clause permitting you to transfer the policy to the new homeowner. Some companies handle the transfer for free, though others will charge a transfer fee. Home warranty coverage can be reassuring to new homebuyers. Some companies offer sellers special coverage plans that are easily transferred to buyers.

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 be a better advocate for yourself if you need to file a claim. Look for these key terms and clauses in your research:

Workmanship guarantee: The workmanship guarantee is the period during which the home warranty company will not charge an additional service call fee for a repair if an in-network technician has recently tried to fix the item. The industry standard is 30 days, though some companies offer longer workmanship guarantees.
Exclusions: Be sure to learn more regarding component-specific exclusions in the home warranty company's sample contracts. Some parts of equipment may not be included even if the appliance itself is usually covered under the policy.
Service call fee: Each time you file a claim, the home warranty or repair company will charge a service call fee. These fees usually run from $75 to $125.
Cancellation: Companies typically outline how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
Coverage limit: Each home warranty has a coverage limit that limits the total dollar amount that the company will pay per claim. There might also be an annual coverage limit or other stipulations.

Facts about Miami

Average High in July

83°F

Miami

83°F

National Average

Average Low in January

21°F

Miami

17°F

National Average

Average Daily Sunlight

61%

Miami

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 Miami, Ohio

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