Best Home Warranty Companies for Pool Coverage (2024)

By Jesus Sanchez Garcia Updated January 29, 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:

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.


Below is a list of common exclusions for pool coverage:


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

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.


Below is a coverage overview of American Home Shield’s plans.

Read more: American Home Shield Review

Liberty Home Guard

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.


Below is a coverage overview of Liberty Home Guard’s three plans:

Read more: Liberty Home Guard Review

AFC Home Warranty

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.


Below is a coverage overview of AFC Home Warranty’s four plans:

Read more: AFC Home Warranty Review

First American Home Warranty

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.


Below is a coverage overview of First American’s home protection plans:

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.

CompanyCoverage Cap for Pool CoverageService Call Fee

American Home Shield



First American Home Warranty



Liberty Home Guard



AFC Home Warranty



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:

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.