Best Home Warranty Companies in 2026: What Reviewers Say and How to Choose
The best home warranty is the one whose coverage matches what is most likely to break in your home, at a price and service fee you can live with. Here is how the 2026 lists compare and how to use them.
How reviewers decide
Each outlet judges on its own method, so a "best" label depends on what it weighs most.
| Review site | How it judged |
|---|---|
| NerdWallet (September 2026) | Six weighted categories: pricing 30%, coverage type 20%, coverage limits 15%, repair guarantee 15%, customer ratings 15%, technician choice 5%. |
| ConsumerAffairs (October 2026) | Verified customer reviews from September 2025 to August 2026, plus plan details such as starting cost, service fees, guarantee length, roof leak and electronics coverage. Scores are weighted differently for each award. |
| Money.com (October 2026) | Services offered, claims processing, cost, availability and legal actions. It says it vetted 22 companies. |
What the 2026 lists picked
| Review site | What it picked |
|---|---|
| ConsumerAffairs | Cinch Home Services best overall. American Home Shield best coverage variety. HomeSafe best claims handling. First American Home Warranty best for roof coverage. ARW Home best technicians. Liberty Home Guard best for quick service. Old Republic best value. |
| NerdWallet | Old Republic Home Protection best customer satisfaction reputation. 2-10 Home Buyers Warranty best prices for monthly budgeting. Cinch best value. Home Service Club best cost per claim. First American best payouts. American Home Shield best for specific situations. Liberty Home Guard best savings on repeated repairs. Home Warranty of America best replacements for eco-conscious homeowners. |
| Money.com | 2-10 Home Buyers Warranty best enhanced coverage. AFC Home Warranty best premiums. American Home Shield best for HVAC. Cinch best systems plan. First American best starter plan. Liberty Home Guard best for optional add-ons. Select Home Warranty best for roof coverage. |
Where the lists agree
Cinch, American Home Shield, First American and Liberty Home Guard appear on all three lists. Old Republic and 2-10 appear on two. The labels differ because the outlets weigh price, caps, claims and reputation differently. Some of these outlets say they earn commissions or have partner relationships, so check each disclosure.
Which kind of plan fits which home
- Older home with aging systems. Read the HVAC, electrical and plumbing caps first. Published HVAC limits in these lists run from $5,000 per system to no stated limit.
- A tight monthly budget. Starting prices in these lists run from about $20 to $35 a month for the smallest plans. The service fee decides the rest. See the most affordable home warranty plans.
- Roof worries. Roof leak coverage is often an add-on with a cap of about $1,000 in the lists above. Two outlets labeled different providers for roof coverage, so ask for the cap in writing.
- Repairs that keep coming back. Repair guarantees range from 30 days to 365 days in these lists. NerdWallet lists a 365-day guarantee on HVAC and appliances for one provider and 180 days for another.
- You want to pick your own technician. NerdWallet scores whether you can. Ask before you buy.
Before you choose
Use the same home details and the same service fee on every quote, then read the sample contract. Our twelve-question checklist walks through what to ask, and the top home warranty providers guide summarizes the leading names. Or request a quote.