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Florida homeowners have different priorities than homeowners in other states. Whether you’re focused on keeping your HVAC system in top shape to survive the humid summers or ensuring your pool is functional throughout the year, a home warranty can help. A home warranty is a service contract that covers home systems and major appliance breakdowns caused by normal wear and tear.
We have reviewed more than 30 individual home warranty providers, passed their contracts through our rigorous review standards, and determined the below companies offer the best home warranties in Florida.
The Top 5 Home Warranty Companies in Florida
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- America’s 1st Choice Home Club : Best Membership Perks
- HomeServe : Best for Specific Needs
Note: All pricing information in this article is based on quotes we requested for a single-family home smaller than 5,000 square feet in Miami Beach. Because home warranty coverage plans and pricing can vary from home to home, even within the same zip code, we recommend requesting a personalized quote from any service provider that interests you.
Compare Florida’s Top Home Warranty Companies
| Star Rating | Monthly Cost | Service Fee | BBB Rating | Link | ||
|---|---|---|---|---|---|---|
| American Home Shield | | $65–$76 | $100–$125 | B | VISIT SITE | |
| Liberty Home Guard |  | $49-$60 | $65–$125 | A+ | VISIT SITE | |
| Select Home Warranty |  | $44–$48 | $65–$75 | B- | VISIT SITE | |
| First American Home Warranty |  | $59–$77 | $75–$125 | B | VISIT SITE |
| American Home Shield | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost | $65–$76 |
| Service Fee | $100–$125 |
| BBB Rating | B |
| Liberty Home Guard | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost | $49-$60 |
| Service Fee | $65–$125 |
| BBB Rating | A+ |
| Select Home Warranty | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost | $44–$48 |
| Service Fee | $65–$75 |
| BBB Rating | B- |
| First American Home Warranty | |
|---|---|
| Logo |
 |
| Star Rating | |
| Monthly Cost | $59–$77 |
| Service Fee | $75–$125 |
| BBB Rating | B |
American Home Shield
American Home Shield
Best for Extensive CoverageFast Facts
- Number of Plans: Three
- Service Fee: $75–$125
- Get a Quick Quote: Visit site
Plans and Pricing
American Home Shield (AHS) offers three home warranty plans for Florida homeowners. The ShieldSilver plan covers built-in systems exclusively, while the ShieldGold and ShieldPlatinum plans offer combination coverage for built-in systems and home appliances. With AHS’s flexible service call fee model, you can select a $100 or $125 fee, which customizes your monthly fees.
The company does not stipulate a coverage limit (the total amount the provider will pay for a covered item) on built-in systems in any of its plans. For example, its appliance coverage limit is $3,000 per item with the ShieldSilver and ShieldGold plans and $6,000 for the ShieldPlatinum plan.
ShieldSilver ($34.99–$49.99 per month): This plan covers major home systems, including your air conditioning, heating unit, ductwork, built-in exhaust, vent, attic fans, main breaker and fuse panel box, doorbells and chimes, interior electrical lines, ceiling fans, garage door openers, interior plumbing lines, toilets, faucets and valves, whirlpool tub motor and components, and water heater.
ShieldGold ($44.99–$59.99 per month): This plan covers all of the items in the ShieldSilver plan plus essential kitchen appliances including refrigerators, ranges, cooktops, ovens, dishwashers, built-in microwaves, garbage disposals, instant cold/hot water dispensers, clothes washers, and dryers.
ShieldPlatinum ($64.99–$79.99 per month): This plan includes all the items in the ShieldGold plan plus up to $1,500 for roof leaks, a discounted annual HVAC tune-up, unlimited AC refrigerant, and up to $1,000 in code upgrades.
Read More
Read More: American Home Shield Review
Liberty Home Guard
Liberty Home Guard
Best Add-On VarietyFast Facts
- Number of Plans: Three
- Service Fee: $65–$125
- Get a Quick Quote: Visit site
Plans and Pricing
Liberty Home Guard (LHG) offers three standard plan options and more than 37 additional coverage options. You can customize your coverage to include wine coolers, pro-series appliances, saltwater pools, and more. Appliance and Systems Guard are the two basic plan options covering appliances and systems respectively. The Total Home Guard plan combines the coverage of the two basic plans.
LHG assigns a service fee to each account based on the location of the home, any add-ons you select, and your plan. When we spoke to a representative for the company, we were informed that this fee would fall between $65 and $125. Unlike other providers’ flexible service call fee models, this amount will not increase or lower your monthly fee.
Appliance Guard ($69.99 per month): This plan covers your clothes washer, clothes dryer, refrigerator with ice maker and display, built-in microwave oven, dishwasher, garbage disposal, range, oven, cooktop, ceiling and exhaust fans, and garage door openers.
Systems Guard ($74.99 per month): This plan covers your air conditioning system, heating system, ductwork, plumbing system, electrical system, and water heater.
Total Home Guard ($79.99 per month): This plan covers all items in the Appliance and Systems Guard plans.
Read More
Read More: Liberty Home Guard Review
Select Home Warranty
Select Home Warranty
Best Budget CoverageFast Facts
- Number of Plans: 3
- Service Fee: $60–$75
- Get a Quick Quote: Visit site
Plans and Pricing
Select Home Warranty offers three home protection plans for Florida residents that cover systems and appliances. The company pairs each plan with up to $400 in roof-leak repair coverage. It charges a low service call fee and competitive monthly prices. Select allows you to file a claim within three days of noticing a breakdown. Other providers require you to file a claim immediately. We spoke with a Select representative and discovered it offers a lower service call fee when you sign up over the phone.
Bronze Care Plan ($44.42 per month): This plan covers built-in microwaves, cooktops, clothes washers and dryers, dishwashers, garbage disposals, ovens, refrigerators, and stoves.
Gold Care Plan ($44.42 per month): This plan covers air conditioning, ductwork, electrical, heating, plumbing systems, and water heaters.
Platinum Care Plan ($47.75 per month): This plan covers every item listed in the Bronze Care and Gold Care plans, plus garage door openers and plumbing stoppages.
Read More
Read More: Select Home Warranty Review
AFC Home Club
AFC Home Club
Best Membership PerksFast Facts
- Number of Plans: Four
- Service Fee: $75–$125
- Get a Quick Quote: Visit site
Plans and Pricing
America’s 1st Choice Home Club (AFC Home Club) offers four plan options, all accompanied by a plan-length workmanship guarantee. A workmanship guarantee is a promise from the company to re-service and repair any item that malfunctions after the company’s contracted technician has serviced it. Typical workmanship guarantees are 30 days. However, AFC Home Club extends a workmanship guarantee for as long as your plan is active. AFC Home Club offers one-year plans and three-year plans.
Silver Plan ($51.08–$58.33 per month): This plan covers appliances, such as your clothes washer and dryer, kitchen refrigerator, oven, range, cooktop, stove, dishwasher, garbage disposal, and garage door opener.
Systems Plan ($62–$69.25 per month): This plan covers your water heater, air conditioning system, heating system, electrical system, plumbing system, and ductwork.
Gold Plan ($72.92–$80.25 per month): This plan combines the coverage of the Silver and Systems plans into one comprehensive coverage package.
Platinum Plan ($80.25–$87.50 per month): This plan covers all of the items in the Gold Plan as well as plumbing stoppages, faucets, ice makers, and built-in microwaves.
Read More
Read More: AFC Home Club Review
HomeServe
HomeServe
Best for Specific NeedsFast Facts
- Number of Plans: 11
- Service Fee: $100
Plans and Pricing
HomeServe offers highly specialized coverage options based on your zip code and utility provider. You can choose from plans that specifically cover your gas line, water heater, and other aspects of your home or a plan that bundles several items together.
When our team pulled a quote, HomeServe didn’t provide us with a plan that covers appliances, but it is an option in some locations. We recommend requesting a personalized quote to confirm the plans available for your home.
Gas Line Plus ($4.99 per month): This plan covers up to $8,000 for your interior gas line, interior gas restoration, exterior gas line, and exterior gas line restoration.
Exterior Electrical Line Coverage ($5.49 per month): This plan covers up to $2,000 for your exterior electrical line.
Water Heater Repair ($6.99 per month): This plan covers up to $850 in water heater repairs.
Exterior Water Service Line Coverage ($7.95 per month): This plan covers up to $7,000 for your exterior water service line and exterior water service line restoration.
Exterior Sewer/Septic Line Coverage ($12.99 per month): This plan covers up to $10,000 for your exterior sewer/septic line and exterior sewer/septic line restoration.
Interior Plumbing and Drainage Coverage ($18.99 per month): This plan covers interior plumbing and interior drainage up to $3,000.
Home Plumbing and Drainage Coverage ($21.98 per month): This plan covers up to $12,000 for your exterior sewer/septic line, exterior sewer/septic line restoration, interior plumbing, interior drainage, and drain cleaning.
Home Comfort Plan ($29.99 per month): This plan covers up to $10,000 for your interior gas line, exterior gas line, cooling system, heating system, and water heater repair.
Complete Plumbing Repair Plan ($41.99 per month): This plan covers up to $10,000 for your exterior water service line, exterior sewer/septic line, exterior sewer/septic line restoration, interior plumbing, interior drainage, drain cleaning, interior gas line, exterior gas line, and water heater repair.
Interior Protection Plan ($55.99 per month): This plan covers up to $10,000 for your interior plumbing, interior drainage, interior gas line, exterior gas line, interior electrical line, cooling system, heating system, and water heater repair.
Premium Home Protection Plan ($69.99 per month): This plan covers up to $10,000 for your exterior water service line, exterior sewer/septic line, interior plumbing, interior drainage, drain cleaning, interior gas line, exterior gas line, exterior electrical line, interior electrical line, cooling system, heating system, and water heater repair.
Read More
Read More: HomeServe Review
Read More: HomeServe Review
Our Recommendation
If your air conditioner is one of your most important items, American Home Shield’s unlimited built-in systems coverage may appeal to you. If you want to prioritize a company that offers a long list of add-on options to customize your plan, consider Liberty Home Guard.
We thoroughly vetted all of the home warranty providers in this article. Each provides responsive customer service, comprehensive plan options, and a thoughtful suite of optional coverage items. To find the best home warranty provider for your home, request quotes from at least three companies and compare their coverage options, exclusions, and other terms and conditions.
Frequently Asked Questions
Will a home warranty company replace my AC unit in Florida?
Home warranty providers will repair or replace your air conditioning unit as long as it doesn’t have pre-existing conditions or excluding factors such as insufficient maintenance. If you suspect your AC is on the fritz, file a claim as soon as you notice trouble to ensure timely service. However, many providers require you to wait at least 30 days from the start of your policy to file a claim.If the total replacement cost of your AC unit is less than the coverage limit outlined in your policy, you will only pay the service call fee. However, if the total cost exceeds your coverage cap, you may be issued a check for the total amount of coverage in your policy minus the cost to diagnose the issue. Your system’s depreciated value determines your total coverage. In these cases, you will be responsible for the cost difference and scheduling with a local and licensed contractor. Related: Best Home Warranty Companies for HVAC
What is the best home warranty company in Florida?
Liberty Home Guard is our top choice for home warranty companies in Florida due to its 60-day workmanship guarantee, vast selection of add-ons, and solid customer service.
How are home warranties regulated?
Home warranties are regulated by state government bodies and industry associations. Both entities work together to create laws that oversee providers and provide consumers with resources to improve their home warranty experiences.
Does the Florida Insurance Commission handle home warranties?
Florida’s regulation of the home warranty industry is particularly stringent. The Florida Office of Insurance Regulation handles all licensure, complaints, and vetting of companies that serve the state.
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.
We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.
