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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|
|Liberty Home Guard|
|Select Home Warranty|
Read More: HomeServe Review
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.