Best Home Warranty Companies in Idaho (2024)

By Jesus Sanchez Garcia | April 16, 2024

All products and services featured are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

Idaho experiences all four seasons throughout the year. If you own a home in the Gem State, you know the importance of keeping your air conditioner and furnace in working condition year-round. A home warranty helps reduce the downtime you experience when a system or appliance breaks down due to normal wear and tear. We compared the best home warranty companies nationwide and chose the top providers available in Idaho.


The Top 5 Home Warranty Companies in Idaho

Our team reviewed each provider using our in-depth review standards and determined the following companies offer the best Idaho home warranties.

The cost data displayed in this article is a national average based on the 120 sample quotes we requested for a 2,000-square-foot, single-family home. Your cost may vary based on your coverage and your home’s size, type, and location.


Compare Idaho’s Top Home Warranty Companies

Providers
Best For
BBB Rating
Monthly Cost
Service Fee
Best for Extensive Coverage
B
$39.99–$79.99
$100–$125
Best Add-On Variety
NR
$49–$60
$65–$125
Flexible Coverage
A+
$55–$75
$70
Best Budget Coverage
B
$44–$48
$65–$75
Best for Systems Coverage
B
$45–$70
$75–$125
Star Rating Monthly Cost Service Fee BBB Rating Link
American Home Shield American Home Shield
$39.99–$79.99 $100–$125 B VISIT SITE
Liberty Home Guard Liberty Home Guard
$49–$60 $65–$125 NR VISIT SITE
Elite Home Warranty Elite Home Warranty
$55–$75 $70 A+ VISIT SITE
Select Home Warranty Select Home Warranty
$44–$48 $65–$75 B VISIT SITE
First American Home Warranty First American Home Warranty
$45–$70 $75–$125 B VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost $39.99–$79.99
Service Fee $100–$125
BBB Rating B
VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost $49–$60
Service Fee $65–$125
BBB Rating NR
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost $55–$75
Service Fee $70
BBB Rating A+
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost $44–$48
Service Fee $65–$75
BBB Rating B
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost $45–$70
Service Fee $75–$125
BBB Rating B
VISIT SITE

American Home Shield

Best for Extensive Coverage
4.9
Monthly Cost : $39.99–$79.99 Service Fee : $100–$125 BBB Rating : B

American Home Shield (AHS) offers Idaho homeowners comprehensive coverage for both systems and appliances. It’s one of the few providers to include preexisting conditions in its standard coverage, making it a good option for older homes and systems. The company also provides higher coverage caps for better protection and flexible service fees for pricing customization. AHS offers limited add-on options compared to other providers, which may not suit homeowners looking for more unique coverage.

Benefits and Drawbacks

Benefits

Comprehensive protection: AHS offers coverage for items with corrosion and rust damage, issues from improper installation and modification, and unknown preexisting conditions

Customizable pricing: It offers a customizable service call fee, offering more control over your final pricing

Solid roof-leak coverage: AHS includes $1,500 roof-leak coverage under its highest plan

Drawbacks

Limited contractor option: AHS assigns its own service technicians for service appointments, limiting your contractor options

Small add-on catalog: It only offers six add-on options, which is less than other providers in this review

Higher-than-average premiums: AHS charges slightly higher for its comprehensive plans than other providers

Plans, Pricing, and Availability

AHS provides three plans for Idaho residents: ShieldSilver, ShieldGold, and ShieldPlatinum. You’ll pay $360 to $894 annually for coverage and can choose from a $100 or $125 service call fee.

Here’s an overview of its plans and costs:

  • ShieldSilver ($29.99–$39.99 per month): This plan includes 14 major systems, such as air conditioning, attic fans, built-in exhaust, ceiling fans, ductwork, doorbells and chimes, as well as faucets, fuse panel boxes, garage door openers, heating units, interior electrical lines, plumbing lines, and more.
  • ShieldGold ($49.99–$64.50 per month): This next plan includes ShieldSilver coverage and adds major appliances such as built-in microwaves, cooktops, dishwashers, dryers, garbage disposals, instant hot/cold water dispensers, ovens, ranges, refrigerators, and washers.
  • ShieldPlatinum ($68.99–$74.50 per month): The highest plan includes ShieldGold protections but increases appliance caps to $4,000. Additional benefits include $1,500 roof-leak coverage, up to $1,000 in code upgrades, a discounted annual HVAC tune-up, and unlimited AC refrigerant. 
  • Add-ons: AHS only has six add-on options for electronics, a guest unit, a pool or spa, a septic system and pump, and a well pump.

Coverage Caps and Exclusions

Although AHS offers comprehensive coverage, it’s important for Idaho homeowners to note that there are some limits to their coverage. Below are details we pulled from the AHS sample contract, including coverage caps and exclusions.

  • Appliances: AHS offers a $2,000 cap with the ShieldGold plan and $4,000 with the ShieldPlatinum option.
  • Air conditioning, heating, HVAC: The company offers a $5,000 coverage cap for units up to a 5-ton capacity. You also receive a $1,500 limit for geothermal, water source heat pumps, glycol, hot water, or steam circulating systems.
  • Plumbing: AHS will pay up to $5,000 for accessible plumbing systems but limits coverage for systems in obstructed walls, ceilings, and floors to $1,000.
  • Roof leaks: The company will cover up to $1,500 for roof leaks, but it doesn’t include metal roofs and items that penetrate the roof, such as skylights and roof-mounted installations, such as solar panels, gutters, and downspouts.
  • General exclusions: Similar to other providers, AHS covers routine maintenance, cosmetic defect repair, malfunctions due to missing components and parts, lack of capacity, and improperly sized systems.

American Home Shield Reviews

AHS is accredited with the Better Business Bureau (BBB) and holds a B rating*. We analyzed hundreds of third-party customer reviews to better understand the company’s customer service practices. Overall, customers were pleased with the high-quality repairs and complemented the customer support team. Negative reviews mentioned delayed response times and miscommunication with the technicians.

A member of our team also tested the AHS claims process using his own plan. After submitting his online claim, AHS contacted him within an hour and set him up with a local technician. He stated that his other AHS claims were also completed very quickly. Typically, his claims were processed within 24 hours, technicians were dispatched within one to two days, and he only paid the service call fee for his repairs.

Liberty Home Guard

Best Add-On Variety
4.5
Monthly Cost : $49–$60 Service Fee : $65–$125

Liberty Home Guard (LHG) provides Idaho homeowners with more unique coverage options than other providers. The company offers 42 add-ons for better coverage customization. Additional coverage options include high-end appliances and home services such as pest control and gutter cleaning.

Benefits and Drawbacks

Benefits

Accessible chat option: LHG provides a 24/7 live chat for quicker connections to customer support

Lengthy workmanship guarantee: It includes a 60-day workmanship guarantee, which is double the industry standard of 30 days

More coverage options: LHG offers 42 add-on options, which is more than any other provider in this review

Drawbacks

Technician exclusions: LHG doesn’t include its workmanship guarantee for repair completed by out-of-network technicians

No service call fee flexibility: It assigns its service call fees based on your location, plan, and add-on options

Unclear service call fees policy: LHG doesn’t disclose your service call fee during the quote process

Plans, Pricing, and Availability

LHG offers three plans in Idaho: Appliance Guard, Systems Guard, and Total Home Guard. Plans typically cost $600 to $720 annually. Your service fee will be between $65 and $125, depending on your location, plan, and add-ons. Service call fees are disclosed at the end of the sign-up process.

Below is a breakdown of LHG’s plans and costs:

  • Appliance Guard ($49.99 per month): This plan offers appliance-only coverage and includes a built-in microwave oven, ceiling and exhaust fans, clothes dryer, clothes washer, cooktop, dishwasher, garbage disposal, garage door openers, oven, range, and refrigerator with ice maker and display.
  • Systems Guard ($54.99 per month): This system-focused plan includes air conditioning, ductwork, electrical system, heating system, plumbing system, and water heater.
  • Total Home Guard ($59.99 per month): The comprehensive plan offers system and appliance protection.
  • Add-ons: LHG boasts 42 add-on options, including carpet cleaning, guest unit coverage, gutter cleaning, pro-series appliances coverage, and saltwater pool coverage.

Coverage Caps and Exclusions

We identified coverage caps and exclusions in the sample contract. Here’s what you need to know:

  • Appliances: You receive up to $2,000 per item.
  • Major systems: Systems include a $2,000 coverage cap.
  • Electrical and plumbing: These systems are limited to $500 per item and only $250 for 90 days after sign-up. 
  • Add-ons: Each add-on item receives a $250 cap for the first 90 days of signing up, then increases to $500 per item. 
  • General exclusions: LHG excludes coverage for items with preexisting conditions or damage from improper installation or modification.

Liberty Home Guard Reviews

LHG currently holds an NR rating from the BBB. This means the company is currently under review and will receive an updated rating soon. LHG also received a BBB alert in March 2024 for complaints surrounding its claims process and customer service.

We contacted LHG regarding the BBB alert, and it shared the following statement: 

“Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”

Despite the rating and BBB alert, LHG maintains some of the highest customer review scores across multiple third-party sites, including the BBB, Trustpilot, and Best Company. Positive customer reviewers mention its excellent customer support and prompt claims process.

Elite Home Warranty

Flexible Coverage
4.5
Monthly Cost : $55–$75 Service Fee : $70 BBB Rating : A+

Elite Home Warranty provides Idaho residents more flexibility with their coverage, including a fully customizable plan. Along with its three standard plan options, the company also includes 27 add-ons, giving you more ways to shape your plan to meet your needs.

Benefits and Drawbacks

Benefits

Better plan flexibility: Along with three standard coverage plans, Elite also offers a completely customizable plan option

Extensive add-ons catalog: Elite offers 27 add-on options for better coverage customization

Longer repair protections: The company includes a 90-day workmanship guarantee, which is longer than many of its competitors

Drawbacks

Higher service call fees: Although Elite charges $70 for its standard service call fee, it charges a higher $150 fee for high-end appliance repairs and after-hours calls

Limited online resources: Elite doesn’t offer an online quote tool, requiring your to call in for sample quotes

Workmanship exclusions: The company excludes repairs completed by out-of-network technicians from its workmanship guarantee

Plans, Pricing, and Availability

Idaho homeowners can choose from three standard plans: Elite Appliances, Elite Systems, and Elite Complete. The company also offers a Customize Your Own Plan that lets you choose your specific systems and appliances. However, plan pricing varies based on your selections. Elite charges between $528 and $696 annually for its plans and includes a standard $70 service call fee. The company also charges a $150 service call fee for high-end appliance repairs and for service calls that occur after hours and on the weekend.

Here’s an overview of Elite’s standard plans and pricing:

  • Elite Appliances ($44.49 per month): This plan covers eight appliances, including a built-in microwave, ceiling fans, clothes dryer, clothes washer, dishwasher, garbage disposal, range/oven/cooktop, and refrigerator with ice maker and water dispenser.
  • Elite Systems ($49.99 per month): This systems-only plan includes eight systems, such as your air conditioning system, electrical system, garage door opener, heating system, plumbing fixtures, plumbing stoppage, plumbing system, and water heater.
  • Elite Complete ($58.99): The comprehensive plan includes coverage of all 16 appliances and systems. 
  • Add-ons: Elite offers up to 27 additional coverage options, including HVAC annual maintenance, premium coverage upgrades, pool and spa equipment coverage, and water heater annual maintenance.

Coverage Caps and Exclusions

After reading through the Elite sample contract, we found these key details about its coverage and exclusions:

  • Annual aggregate limit: Elite sets a $15,000 annual limit for its plans. 
  • Appliances: You can claim up to $7,000 total for appliances. Individual appliance caps vary between $500 and $3,000.
  • Systems: Elite offers up to $8,000 for annual system claims. Individual system limits range between $750 and $4,000.
  • Add-ons: Elite imposes a $5,000 annual claim limit for add-on coverage. Individual add-on item caps vary from $500 to $5,000.
  • General exclusions: Elite doesn’t cover items with unknown preexisting conditions or damages caused by improper installation or modification.

Elite Home Warranty Reviews

Elite holds an A+ rating with the BBB and maintains high third-party customer review scores across multiple sites. After analyzing dozens of reviews, we learned that customers appreciated the efficient claims and sign-up processes. However, dissatisfied customers experienced notable delays in their repair process.

Our team member tested the Elite claims process by submitting a claim for a broken dishwasher. An Elite representative contacted him within 30 minutes for a next-day appointment. However, repairs were delayed due to out-of-stock items. The technician rescheduled the appointment four business days later. Despite the delay, our team member was pleased with the repair process.

Select Home Warranty

Best Budget Coverage
3.9
Monthly Cost : $44–$48 Service Fee : $65–$75 BBB Rating : B

Select Home Warranty provides simplified home warranty options for Idaho homeowners who don’t need high coverage caps. The company offers three cost-effective plans that include free roof-leak coverage, a rare benefit from a home warranty provider. Its baseline coverage services are an excellent fit for homeowners with newer appliances and systems.

Benefits and Drawbacks

Benefits

Bonus service months: Select provides two free months of coverage with its annual plans

Free roof-leak coverage: It includes $400 of roof-leak coverage with every plan

High HVAC coverage: Select includes a $3,000 coverage cap for cooling and heating systems

Drawbacks

Below-average coverage caps: Select offers $500 coverage caps, which fall below other reviewed providers

No service call fee flexibility: It assigns its service call fees, eliminating pricing flexibility

Service call fee charging issues: Select charges a service call fee for each filed claim, which could result in multiple charges for the same service repair visit

Plans, Pricing, and Availability

Select provides three plan options in Idaho: Bronze Care, Gold Care, and Platinum Care. The company includes limited roof-leak protection at every plan level. Most companies that offer roof-leak coverage require additional fees for the same protection. Select charges between $533 and $573 annually for its plans.

The company also charges a service fee of $60 to $75 per claim. However, these fees are assigned to your account automatically. While pulling sample quotes, we learned that you can receive the lowest service call fee over the phone.

Here’s its available plans and pricing:

  • Bronze Care ($44.42 per month): This plan offers appliance coverage for essential home items, including a built-in microwave oven, clothes dryer, clothes washer, cooktop, dishwasher, garbage disposal, oven, refrigerator, and stove.
  • Gold Care ($44.42 per month): This built-in system plan includes your air conditioning, ductwork, electrical system, heating system, plumbing system, and water heater.
  • Platinum Care ($47.75 per month): The highest plan includes the Bronze Care and Gold Care coverage and adds garage door openers and ceiling fans.
  • Add-ons: Select offers eight add-on options, which include a central vacuum, lawn sprinkler system, pool, septic system, spa, stand-alone freezer, sump pump, and well pump.

Coverage Caps and Exclusions

Select’s coverage caps fall slightly lower than other home warranty companies, as outlined below:

  • Appliances: You receive up to $500 per item.
  • Air conditioning, heating, and HVAC: Select offers a generous $3,000 cap for HVAC systems.
  • Electrical and plumbing: These have a $500 limit.
  • Roof-leak coverage and other add-ons: You receive a $400 limit per item.
  • General exclusions: Select offers coverage for items in a single-family dwelling, individual condominium units, townhouses, and modular homes. Coverage is limited to systems and appliances that are properly and permanently installed and located within the home’s living area. Select excludes coverage for items in commercial properties or residential properties used for business purposes. The company also excludes items with preexisting conditions.

Select Home Warranty Reviews

Select has a B- rating with the BBB and has relatively lower review scores across multiple third-party review sites. Positive reviews highlighted the company’s helpful staff and simplified claims process. However, several reviews spoke to Select’s poor communication with customers. Homeowners found it challenging to reach representatives over the phone and experienced long wait times. They also noted frequent claim denials despite having coverage for the item in question.

AFC Home Warranty

Best Membership Perks
4.4
Monthly Cost : $44–$97 Service Fee : $75–$125 BBB Rating : B

AFC Home Warranty offers Idaho homeowners the best plan variety in this review. The company provides four plans and three service call fees to choose from. AFC Home Warranty also offers exclusive membership benefits that other providers don’t offer.

Benefits and Drawbacks

Benefits

Excellent plan variety: AFC Home Warranty offers four standard coverage plans and three service call fees, the best coverage variety in this review

Membership benefits: The company includes exclusive membership benefits, such as free credit monitoring and emergency alert services

Plan-length protections: AFC Home Warranty extends a plan-length workmanship guarantee, which is longer than other reviewed providers

Drawbacks

Claims submissions: AFC Home Warranty requires claims submissions to be done within 24 hours of noticing item issues

Depreciation coverage caps: It offers reduced payments for items five years or older

Plan exclusions: AFC Home Warranty doesn’t offer coverage for unknown preexisting conditions

Plans, Pricing, and Availability

AFC Home Warranty offers four plan options in Idaho: the Silver Plan, the Gold Plan, the Platinum Plan, and the Diamond Plan. Plan costs vary between $408 and $1,104 annually, with service fee options of $75 to $125 per claim. Every AFC Home Warranty plan includes an unlimited workmanship guarantee and membership perks.

Here’s a breakdown of AFC protection plans:

  • Silver Plan ($34.33–$39.08 per month): This appliance-only plan covers a clothes dryer, clothes washer, refrigerator, oven/range, cooktop, stove, dishwasher, garbage disposal, and garage door opener.
  • Gold Plan ($48.50–$53.17 per month): This comprehensive plan includes 15 appliances and home systems and adds coverage for air conditioning, ductwork, electrical systems, heating systems, and plumbing systems.
  • Platinum Plan ($53.17–$57.92 per month): The next plan offers protection for 20 appliances and systems and adds coverage for a built-in microwave, fans (attic, exhaust, ceiling), faucets, ice makers, and plumbing stoppages.
  • Diamond Plan ($87.75–$92.50 per month): The highest comprehensive plan includes all the items in the Platinum Plan plus coverage for electronics, exterior sewer lines, and exterior water lines.
  • Add-ons: AFC provides add-on protection for a built-in microwave, central vacuum, double oven, electronic coverage, hot water dispenser, ice maker, in-ground pool, septic system, stand-alone freezer, sump pump, tankless water heater, and well pump.

Coverage Caps and Exclusions

We’ve listed some key exclusions and coverage caps for AFC Home Warranty below:

  • Appliances: Appliances receive up to $3,000 per covered item.
  • Systems: Coverage varies depending on the age of your items. Items five years or older receive a cap based on their depreciated value.
  • Add-ons: Coverage varies between items.
  • General exclusions: Idaho residents won’t receive coverage for rust or corrosion damage, collapsed ductwork, or preexisting conditions. The company also excludes coverage for cosmetic defects, routine maintenance, and secondary damage caused by an uncovered item.

AFC Home Warranty Reviews

AFC Home Warranty currently holds a B rating with the BBB. We reviewed hundreds of testimonials to gauge how the company treats its customers. Positive reviews mentioned the company’s knowledgeable staff and relatively short hold times. However, several customers mentioned a high number of denied claims due to “loopholes” and technicalities. They also mentioned lower-than-expected payouts due to the depreciation policy.


Home Warranty Regulations in Idaho

The state of Idaho doesn’t have a clear governmental body that regulates home warranties. However, the state includes service contracts under the Idaho Consumer Protection Act’s jurisdiction. The act outlines consumer protections that companies must adhere to before conducting business within the state.

Idaho allows you to submit a complaint with the Department of Insurance if you have a dispute with your home warranty provider. 

Although Idaho’s government bodies don’t directly oversee home warranties, industry associations do. For example, the National Home Service Contract Association (NHSCA) is an industry organization of member companies that follow fair business practices. The NHSCA oversees member companies to keep the consumer’s best interests in mind.


Do Home Warranties Cover Plumbing?

Reputable home warranty companies cover plumbing systems. Generally, home warranties cover the essential components of your home’s plumbing system. Examples of covered components include the following:

Plumbing system coverage also includes leak damage, pipe blockages, and ruptured lines. However, most providers don’t cover pipe breaks or stoppages caused by frozen pipes or root damage.


Our Recommendation

Whether you purchased a new home or currently live in the Gem State, a home warranty could give you greater peace of mind by protecting your essential systems and appliances. Our team recommends Liberty Home Guard for those who want a lengthy workmanship guarantee per completed repair. American Home Shield is a solid choice due to its generous coverage caps. Finally, Select Home Warranty is worth considering for affordable HVAC protection. We suggest reading provider sample contracts to confirm exact terms, exclusions, and limitations.


Idaho Home Warranty Companies FAQ

Is there a difference between home insurance and home warranties?

The biggest difference between home insurance and home warranties is the type of coverage offered. Home insurance protects your home’s structural components from damage caused by accidents outside of your control. Home warranties protect your home’s systems and appliances from breakdowns caused by normal wear and tear.

Can I transfer my home warranty to another home?

Yes, most home warranty providers allow you to transfer your policy to another home. Some providers allow you to transfer your policy free of charge. However, you must contact your provider before moving into your new home to process the policy transfer correctly.

How quickly do home warranties process claims?

Typically, home warranties process claims within 24 to 48 hours of receiving them. However, the date and time of day you file a claim affects how quickly a provider can process it. For instance, expect a delay if you file a claim during a holiday or after hours.

What is a preexisting condition?

A preexisting condition is a previous breakdown or issue that a home system or appliance experienced before coverage began. Many providers do not cover preexisting conditions; therefore, it’s important to purchase a home warranty policy while all your systems and appliances work for complete protection.


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.