Best Home Warranty Companies for Pool Coverage (2024)
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Your pool is your personal oasis. As delightful as owning a swimming pool can be, a level of upkeep is required to continue enjoying it. Over time, essential pool components can break down from wear and tear. A home warranty protects your pool and reduces downtime if an essential pool component fails.
Our team compared the best home warranty companies nationwide based on customer service, coverage limits, availability, and cost. We then selected our top picks for pool coverage.
Do Home Warranty Plans Cover Pools?
Most home warranty providers offer pool coverage as an add-on to a base plan. For an additional fee, a provider will protect various pool types and their components. Covered types of pools include concrete, vinyl liner, and fiberglass pools.
Covered Issues
Each provider varies in coverage per specific component. Therefore, we recommend reading sample contracts to understand the exact terms of coverage. Below is a list of typically covered pool items:
- Above-ground pool plumbing
- Blower motors
- Electrical wiring
- Heater components
- Pool pumps
- Pool sweep motors
Add-On Options
Many home warranty companies bundle pool and spa coverage together if the unit shares components. However, if your pool and spa unit have separate plumbing or electrical components, you must pay an additional fee to service both.
Exclusions
Below is a list of common exclusions for pool coverage:
- Cleaning components, such as pop-up heads and chlorinators
- Disposable filtration mediums
- Light fixtures
- Pool liners
- Pool maintenance
Best Home Warranty Providers for Pools
Here is our list of recommended home warranty providers for pool coverage:
Note: All pricing information in this article is based on a single-family home (smaller than 5,000 square feet) in Raleigh, North Carolina. Your pricing may vary depending on your home’s size and type, your location, and your chosen plan and add-on coverages.
American Home Shield
- State availability: 48 (all but Alaska and Hawaii)
- Service call fee: $100–$125
- Get a quick quote: Visit American Home Shield’s Site
Coverage Overview
American Home Shield (AHS) offers pool coverage as an add-on in each of its home warranty coverage plans. It provides a generous $3,000 coverage cap for covered pool equipment, such as pool pump motors and electrical wiring. American Home Shield charges roughly $24 per month for pool coverage.
In addition to pool coverage, American Home Shield provides comprehensive home systems and appliance coverage via three home protection plans. It pairs each plan with a $100 or $125 service call fee. The higher the service call fee you select, the lower your monthly premium.
Plans
Below is a coverage overview of American Home Shield’s plans.
- ShieldSilver ($29.99–$39.99 per month): This plan includes coverage for doorbells and chimes, garage-door openers, ceiling fans, ductwork, built-in exhaust and attic fans, heating units, and air conditioning and HVAC systems. It also covers interior electrical lines, main breakers, and fuse panel boxes. Additionally, coverage includes faucets, valves, interior plumbing lines, toilets, whirlpool tub motor components, and water heaters. AHS includes a $5,000 coverage limit per covered home system.
- ShieldGold ($49.99–$59.99 per month): This plan covers all ShieldSilver items plus major appliances. Covered appliances include built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, instant cold and hot water dispensers, ovens, cooktops, ranges, and refrigerators. It pairs a $2,000 limit per covered home appliance.
- ShieldPlatinum ($79.99–$89.99 per month): This plan covers ShieldGold items, roof-leak repair, and code violations. It includes an increased coverage cap of $4,000 per covered appliance.
American Home Shield
Read more: American Home Shield Review
Liberty Home Guard
- State availability: 49 (all but Wisconsin)
- Service call fee: $65–$125
- Get a quick quote: Visit Liberty Home Guard’s site
Coverage Overview
Liberty Home Guard (LHG) provides pool coverage as an optional add-on to its standard plans. It protects in-ground pools and essential components such as heating, pumping, and filtration systems. LHG charges an additional $20 per month for pool protection and extends a 60-day workmanship guarantee on all completed repairs for added value and peace of mind.
Liberty Home Guard has a $2,000 coverage limit per covered item, including pool coverage. It offers more than 30 unique add-ons, such as pest control and water softeners. Liberty Home Guard’s service call fees range from $65 to $125. The provider assigns your service call fee based on your home’s size, type, and location and your coverage and add-on selections.
Plans
Below is a coverage overview of Liberty Home Guard’s three plans:
- Appliance Guard ($49.99): This plan covers standard home appliances, including built-in microwave ovens, ceiling and exhaust fans, clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ranges, ovens, cooktops, and refrigerators with built-in ice makers.
- Systems Guard ($54.99): This plan covers your home’s water heater, ductwork, air conditioning, plumbing, and heating and electrical systems.
- Total Home Guard ($59.99): This plan bundles Appliance Guard and Systems Guard coverage into one comprehensive coverage plan.
Liberty Home Guard
Read more: Liberty Home Guard Review
AFC Home Warranty
- State availability: 49 (all but Hawaii)
- Service call fee: $75–$125
- Get a quick quote: Visit AFC Home Warranty’s site
Coverage Overview
AFC Home Warranty is our final recommendation for pool coverage. It charges $9 extra per month for pool protection, making it the most affordable pool coverage provider on this list. However, AFC limits pool coverage to $500 per claim.
Alongside pool coverage, AFC covers essential systems and appliances. AFC provides peace of mind by pairing a plan-length workmanship guarantee on all completed repairs, including pool repairs.
AFC Home Warranty provides a $3,000 coverage cap per covered appliance. System coverage limits vary per system. For example, AFC offers an unlimited coverage cap for heating systems. It limits water heaters to $1,000 per claim.
Plans
Below is a coverage overview of AFC Home Warranty’s four plans:
- Silver Plan ($38.17–$42.83): This plan covers major appliances such as clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ovens, ranges, stovetops, and refrigerators.
- Systems Plan ($41.00–$45.75): This plan includes coverage for major systems, including ductwork, air conditioning, water heaters, and electrical, plumbing, and heating systems.
- Gold Plan ($52.25–$57.00): This plan includes all items covered in the Silver Plan and Systems Plan.
- Platinum Plan ($57.00–$61.67): This plan covers all Gold Plan items plus additional coverage for built-in microwaves, faucets, ice makers, and plumbing stoppages.
AFC Home Warranty
Read more: AFC Home Warranty Review
First American Home Warranty
- State availability: 35 (not available in Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, or Wisconsin)
- Service call fee: $75–$125
- Get a quick quote: Visit First American’s site
Coverage Overview
First American Home Warranty covers pools in addition to a variety of major systems and appliances. First American provides pool coverage for an extra $21 per month. First American offers additional pool protection for those with more than one pool. It covers up to $2,500 per claim for pool coverage.
Like American Home Shield, First American provides generous appliance and home systems coverage via three plans. It allows you to choose a $75, $100, or $125 service call fee. Selecting a higher service call fee lowers your monthly premium and vice versa.
Plans
Below is a coverage overview of First American’s home protection plans:
- Starter Plan ($47–$62 per month): This plan covers a mix of home systems and appliances such as built-in microwaves, dishwashers, ductwork, electrical, heating, plumbing, kitchen range hoods, ovens, cooktops, plumbing stoppages, refrigerators, and toilet tanks.
- Essential Plan ($57–$72 per month): This plan covers all items listed in the Starter Plan plus air conditioning, ceiling fans, attic fans, exhaust fans, clothes washers and dryers, the First American Advantage upgrade, garage-door openers, trash compactors, and water heaters.
- Premium Plan ($72–$87 per month): This plan includes everything in the Essential Plan plus central vacuum and full garage-door systems, faucets, garbage disposals, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units.
First American Home Warranty
Read more: First American Home Warranty Review
Compare the Top Home Warranties for Pool Coverage
Compare each provider’s pool coverage and service call fees in the table below.
| Company | Coverage Cap for Pool Coverage | Service Call Fee |
|---|---|---|
|
American Home Shield |
$3,000 |
$100–$125 |
|
First American Home Warranty |
$2,500 |
$75–$125 |
|
Liberty Home Guard |
$2,000 |
$65–$125 |
|
AFC Home Warranty |
$500 |
$75–$125 |
Our Recommendation
Whether you just got a new pool or you’ve owned one for years, a home warranty will ensure it remains in pristine condition. In addition, a home warranty connects you to a verified service technician who can fix major breakdowns quickly.
American Home Shield is our top pick for pool protection due to its generous $3,000 pool coverage cap per claim. First American Home Warranty provides additional pool component protection, and Liberty Home Guard offers a lengthy workmanship guarantee. Before signing up for a home warranty, we recommend reading through provider sample contracts to understand coverage limits and exclusions.
How to Take Care of Your Pool
Performing routine maintenance on your pool increases its longevity. Plus, a properly maintained pool ensures your home warranty provider will cover a component breakdown. Here are some pointers on maintaining your pool:
- Skim off debris: Skim your pool’s surface daily to prevent debris from clogging your filtration system or staining your pool shell.
- Run your pool pump: Run your pump daily to ensure your pool’s filtration system, chemicals, and circulation system work properly.
- Check your pool filter: Weekly inspections of your pool’s filter help keep your pool surface clean. Remove any debris that builds up in the filter.
- Test pool water: Regularly test your pool’s water per the manufacturer’s instructions. Doing so prevents unwanted bacteria and algae growth.
Home Warranties for Pools FAQ
How long is my pool repair guaranteed?
A reputable home warranty company typically guarantees completed pool repairs for 30 days, the industry standard for a workmanship guarantee. Some providers, such as Liberty Home Guard and AFC Home Warranty, offer extended workmanship guarantees on completed repairs.
Do pools have a manufacturer warranty?
Typically, newly constructed pools have a manufacturer warranty lasting anywhere from 20 years to a lifetime. The pool manufacturer is responsible for the warranty if you own a fiberglass pool. If you own a concrete pool, the pool builder guarantees its workmanship rather than the pool itself.
Does a home warranty cover the wear and tear of my pool?
Home warranties cover the wear and tear of your pool’s main components. However, most home warranty providers offer pool coverage as an add-on, meaning you must opt in for coverage before receiving pool protection. Home warranties do not cover regular pool maintenance.
Does a homeowners insurance policy cover pools?
A homeowners insurance policy covers your pool if a covered peril occurs, such as vandalism. It will not cover a component breakdown due to normal wear and tear. A home warranty can fill the coverage gaps left by a homeowners insurance policy.
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.
