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People love Ohio for its slower pace of life, top-tier universities, and distance away from the noise of the big coastal cities, but the state isn’t immune from the reach of bitter Midwestern winters. The best-maintained home systems and major appliances will inevitably experience breakdowns due to normal wear and tear. A home warranty offers comprehensive service to help you pay for the repair and replacement costs of your home systems and appliances, like your heating unit and oven.
We’ve reviewed more than 30 home warranty providers across the industry and narrowed our list to the best home warranty companies for Ohio homeowners. All pricing information used in this article is based on a single-family home smaller than 5,000 square feet in Indian Hill, Ohio. Continue reading to discover the best features of each provider.
The Top 5 Home Warranty Companies in Ohio
Here are the best home warranty companies for Ohio residents:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- First American Home Warranty : Best for Home Systems Coverage
- America’s 1st Choice Home Club : Best Membership Perks
Compare Ohio’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
Benefits and Drawbacks
Benefits
➕ Generous system and appliance coverage: American Home Shield covers up to 27 systems and appliances.
➕ High coverage caps: AHS covers up to $4,000 per covered appliance and $5,000 per covered system in its ShieldPlatinum plan.
➕ Unique coverage: AHS covers preexisting conditions, improperly installed items, and rust, corrosion, and sediment damage.
Drawbacks
➖ High prices: The company charges higher monthly premiums compared to other home warranty companies.
➖ Limit add-ons: American Home Shield offers up to six coverage add-ons, which is less than other providers.
Plans and Pricing
American Home Shield (AHS) offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver covers built-in systems only, while ShieldGold and ShieldPlatinum cover a combination of systems and home appliances. All plans are eligible for flexible pricing by choosing your own service call fee. Generally, the higher the service call fee, the lower your monthly fees.
ShieldSilver ($34.99–$49.99 per month): This plan covers your home’s major systems, including your air conditioning, heating unit, ductwork, built-in exhaust fan, vent fan, attic fans, main breaker and fuse panel box, doorbells, chimes, interior electrical lines, ceiling fans, garage door openers, interior plumbing lines, toilets, faucets and valves, whirlpool tub motor and components, and water heaters.
ShieldGold ($44.99–$59.99 per month): This plan covers all items in the ShieldSilver plan, plus 10 essential appliances, including refrigerators, ranges, cooktops, ovens, dishwashers, built-in microwaves, garbage disposals, instant hot/cold water dispensers, washers, and dryers. All appliances are covered up to $3,000 with this plan.
ShieldPlatinum ($64.99–$79.99 per month): This comprehensive plan covers everything in the ShieldGold plan and expands coverage to include up to $1,500 for roof leaks. ShieldPlatinum also provides a discounted annual HVAC tune-up, unlimited AC refrigerant, and up to $1,000 in code upgrades. In addition, this plan raises the coverage for appliances to $6,000 per item.
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
Benefits and Drawbacks
Benefits
➕ Convenient customer service: The company includes a 24/7 online chat tool on its website that connects you to a representative in less than a minute.
➕ High customer ratings: Liberty Home Guard holds an average of 4-out-of-5-star customer ratings on multiple third-party review sites, such as Google Reviews and the Better Business Bureau.
➕ Unique coverage: Liberty Home Guard offers up to 38 add-on coverage options.
Drawbacks
➖ Low coverage limits: The company only covers up to $500 for electrical and plumbing system coverage.
➖ Service fee transparency: Liberty Home Guard doesn’t reveal its final service call fee rate until after you purchase a plan.
Plans and Pricing
Liberty Home Guard (LHG) offers three standard plan options: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard covers 11 essential appliances, such as your washing machine and oven, and Systems Guard covers six built-in systems, such as your electrical system. Total Home Guard combines those two plans into one comprehensive coverage package.
LHG’s standout feature is its impressive suite of optional coverage items, which you can add to any plan. These options include, but are not limited to, saltwater pools, reverse osmosis systems, wine coolers, plumbing fixtures, and more.
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 combines the coverage of the appliance and systems plans into one comprehensive package.
Read More
Read More: Liberty Home Guard Review
Select Home Warranty
Select Home Warranty
Best Budget CoverageFast Facts
- Number of Plans: Three
- Service Fee: $60–$75
- Get a Quick Quote: Visit Site
Benefits and Drawbacks
Benefits
➕ Additional perks: Select includes roof-leak coverage in all protection plans.
➕ HVAC protection: Select provides generous coverage caps for heating and cooling systems.
➕ Reasonable rates: The company prices its coverage plans and service call fees at a competitive rate.
Drawbacks
➖ Low coverage caps: It limits coverage for most systems and home appliances to $500 per claim.
➖ Multiple service call fees: Select charges a separate service fee if you file a claim for multiple issues.
Plans and Pricing
Select Home Warranty offers three home protection plans paired with low service call fees that range from $60 to $75 per filed claim. According to a representative we spoke with, Select offers its $60 service fee if you sign up for a plan over the phone.
Select pairs HVAC systems, such as air conditioners and heating, with a $3,000 coverage limit. It reduces its coverage limit to $500 per claim for other covered systems and major appliances. As a bonus, Select adds roof-leak repair coverage of up to $400 per claim in each plan
Bronze Care ($44.42 per month): The Bronze Care Plan covers major appliances, such as built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, ovens, refrigerators, and stovetops.
Gold Care ($44.42 per month): The Gold Care plan covers ductwork, water heaters, cooling and heating systems, plumbing, and electrical systems.
Platinum Care ($47.75 per month): The Platinum Care plan bundles everything listed in the Bronze Care and Gold Care plans.
Read More
Read More: Select Home Warranty Review
Fast Facts
- Number of Plans: Three
- Service Fee: $75–$125
- Get a Quick Quote: Visit Site
Benefits and Drawbacks
Benefits:
➕ Comprehensive coverage: First American pairs generous coverage caps with each covered system and appliance.
➕ Flexible service fees: The company allows you to choose from three service call fees. Your fee selection will raise or lower your monthly premium.
➕ Plan upgrade available: First American provides its First American Advantage upgrade, which adds additional coverage for miscellaneous components and fees.
Drawbacks:
➖ Excludes air conditioning coverage: First American doesn’t include air conditioning coverage in its Starter Plan. However, it includes it in its Essential and Premium plans.
➖ High monthly premiums: First American charges more per coverage plan than most home warranty providers.
Plans and Pricing
First American Home Warranty is a solid choice for homeowners who value comprehensive coverage. In addition to home protection, First American offers discounts for select new appliance purchases. The company allows you to choose your service call fee, which can be $75, $100, or $125.
Regarding coverage caps, First American pairs home appliances with a $3,500 limit in its Starter Plan and Essential Plan. It doubles its appliance limit to $7,000 in its Premium Plan. First American provides an unlimited coverage cap for all built-in systems except water heaters. The company covers up to $1,000 per covered water heater.
Starter Plan ($47.00–$67.00 per month): The Starter Plan protects a mix of appliances and systems, including built-in microwaves, dishwashers, ductwork, electrical systems, heating systems, kitchen range hoods, plumbing systems, ovens and cooktops, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms.
Essential Plan ($57.00–$72.00 per month): The Essential Plan covers everything in the Starter Plan plus air conditioning, ceiling, attic, and exhaust fans, clothes washers, clothes dryers, the First American Advantage upgrade, garage-door openers, trash compactors, and water heaters.
Premium Plan ($62.00–$87.00 per month): The Premium Plan covers everything in the Essential Plan, plus a central vacuum, full garage-door systems, instant hot water dispensers, luxury appliance coverage, shower heads and shower arms, and window air conditioning units.
Read More
Read More: First American 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
Benefits and Drawbacks
Benefits
➕ Flexible coverage: The company provides four coverage plans that you can tailor to your budget.
➕ Extensive workmanship guarantee: AFC Home Club offers an unlimited workmanship guarantee that lasts for the life of your plan.
➕ Service provider flexibility: AFC Home Club allows you to choose your own service technician if you have a preferred provider.
Drawbacks
➖ Depreciation coverage limits: The company offers a depreciated coverage cap for items that are more than five years old.
➖ High cancellation fee: AFC Home Club charges a $75 cancellation fee, which is higher than other providers.
Plans and Pricing
America’s 1st Choice Home Club (AFC Home Club) is an excellent option for frequent travelers or people who own a second home. With other home warranty policies, you may be limited to a short workmanship guarantee of 30 days, but with AFC Home Club your workmanship guarantee is valid for the entire length of your plan. A workmanship guarantee gives you peace of mind that if a previously serviced item breaks down again, the company will send another technician at no charge to you.
AFC Home Club offers two basic plans—the Silver Plan and the Systems Plan—that cover appliances and built-in systems, respectively, and two combination plans, the Gold Plan and the Platinum Plan. Like AHS, AFC Home Club offers a flexible service call fee model.
Silver Plan ($36.50–$41.67 per month): This plan covers a suite of appliances, including your clothes washer and dryer, kitchen refrigerator, oven, range, cooktop, stove, dishwasher, garbage disposal, and garage door opener.
Systems Plan ($44.25–$49.50 per month): This plan covers your water heater, air conditioner, heating system, electrical system, plumbing system, and ductwork.
Gold Plan ($52.08–$54.58 per month): This plan combines the Silver and Systems plans into one comprehensive package.
Platinum Plan ($54.58–$59.17 per month): This plan covers all the items in the Gold Plan, plus additional coverage for plumbing stoppages, faucets, ice makers, and built-in microwaves.
Read More
Read More: AFC Home Club Review
Home Warranty Regulations in Ohio
The Ohio Department of Insurance (ODI) oversees home warranty regulation. Ohio Statute § 3905.423 requires companies selling service contracts to be licensed and registered with the state. The ODI provides an online form where you can file a complaint if you own a home warranty and believe your provider has neglected its contractual obligations.
In addition to government regulation, industry associations oversee home warranty companies. The National Home Service Contract Association (NHSCA) is an organization of member companies that follow a code of ethics. This code of ethics centers on keeping consumers’ best interests in mind. Arthur Chartrand, who is of counsel to the NHSCA, confirms that the organization communicates regularly with member companies’ management to uphold its policies.
Our Recommendation
The home warranty that works best for you will always depend on your home’s unique needs. Suppose you’re most focused on high coverage caps (the total amount a provider will pay for a covered item). In that case, American Home Shield’s no-limit coverage on built-in systems and coverage up to $6,000 per appliance is incredibly generous by industry standards.
If a long workmanship guarantee helps you rest easier, then AFC Home Club’s plan-length guarantee is unbeatable by any other provider on this list. If you want to have your pick from a long list of specialized add-ons, Liberty Home Guard may be the choice for you.
Before selecting a home warranty company in Ohio, we recommend requesting a quote from all of the providers on this list (or at least three), comparing the fine print, and asking clarifying questions when you speak to a sales representative. This initial research will help you avoid future misunderstandings and unexpectedly denied claims.
Frequently Asked Questions
How much does a home warranty in Ohio cost?
Our quotes for a home warranty on a single-family home in Indian Hill, Ohio, ranged from as low as $4.99 per month for HomeServe’s Gas Line Plus plan to as high as $80 for American Home Shield’s ShieldPlatinum Plan. Our research of 39 home warranty providers across the industry discovered that an average monthly fee falls between $39 and $63.
Are home warranties worth it?
Home warranties are worth it for many homeowners, especially if you’re a busy individual with a lot on your plate. Without a home warranty, every repair and replacement your home needs is your responsibility. If you don’t have the tools or skills to do it yourself, you’ll need to find a contractor to complete the repairs.It’s no secret that service providers can be of varying quality, and it can be time-consuming and laborious to vet the right one for your specific needs. With a home warranty, you can request service 24/7 by filing a claim and paying the service fee. From here, your provider will pair you with a local and licensed technician to diagnose and repair your covered item as needed.
How long does a home warranty last?
A home warranty plan is typically valid for one year from the purchase date, but you can renew it annually at the end of your policy. Some providers, like AFC Home Club, offer three-year plans.
Who should pay for a home warranty?
In some cases, homebuyers may ask a seller to include a home warranty as a vote of confidence when purchasing a new home. In other cases, a homeowner may purchase a plan after making home improvements, such as installing a new sump pump or upgrading a septic tank. You can choose to pay for a home warranty as a lump sum at the start of your plan or you can pay a monthly fee spread out over the plan term.
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.
