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Best 6 Home Warranty Companies in Phoenix, AZ

  1. Home
  2. Local Pros
  3. Home Warranty
  4. AZ
  5. Phoenix
Written By Jessica Hurtault|Last Updated: April 18, 2024

When Arizona temperatures climb to a scorching 100 degrees Fahrenheit or higher, you don't want to be left without air conditioning. With one of the top home warranty companies in Phoenix, Arizona, you can save on HVAC replacement and other home system costs.

Best Customer Ratings
4.5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best for Comprehensive Coverage
4.4
  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
Best Value
4.3
  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

6 Best Home Warranty Companies in Phoenix

Best for Comprehensive Coverage

American Home Shield

Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options
Plan Name ShieldSilver
Monthly Cost $29.99 – $39.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Doorbell, Ductwork, Electrical, Faucets and Valves, Garage door, Heating system, Main breaker fuse box, Plumbing, Plumbing stoppages, Rekey services, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Roof-leak, Spa, Septic pump, Well pump

Plan Name ShieldGold
Monthly Cost $49.99 – $59.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Built-in microwave, Ceiling fans, Cooktop, Cooktop exhaust, Dishwasher, Doorbell, Ductwork, Electrical, Faucets and Valves, Garbage disposal, Garage door, Heating system, Instant hot and cold water dispenser, Main breaker fuse box, Plumbing, Plumbing stoppages, Refrigerator, Rekey services, Range, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Roof-leak, Spa, Septic pump, Well pump

Plan Name ShieldPlatinum
Monthly Cost $79.99 – $89.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Built-in microwave, Ceiling fans, Cooktop, Cooktop exhaust, Dishwasher, Doorbell, Ductwork, Electrical, Faucets and Valves, Garbage disposal, Garage door, Heating system, Instant hot and cold water dispenser, Main breaker fuse box, Plumbing, Plumbing stoppages, Range, Refrigerator, Rekey services, Roof-leak, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Spa, Septic pump, Well pump

52 Years in BusinessBBB Rating: B
Best Customer Ratings

Liberty Home Guard

Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions
Plan Name Appliance Guard
Monthly Cost $49.99
Service Fee $65.00 - $125.00
Items Covered

Ceiling fan, Cooktop, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Range, Refrigerator, Washer

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

Plan Name Systems Guard
Monthly Cost $54.99
Service Fee $65.00 - $125.00
Items Covered

Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

Plan Name Total Home Guard
Monthly Cost $59.99
Service Fee $65.00 - $125.00
Items Covered

Air conditioner, Ceiling fan, Cooktop, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Toilet, Washer, Water heater

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

6 Years in BusinessBBB Rating: A+
Best Value

Select Home Warranty

Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps
Plan Name Bronze Care Plan
Monthly Cost $44.42
Service Fee $75.00
Items Covered

Cooktop, Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Stove, Washer

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

Plan Name Gold Care Plan
Monthly Cost $44.42
Service Fee $75.00
Items Covered

Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

Plan Name Platinum Care Plan
Monthly Cost $47.75
Service Fee $75.00
Items Covered

Air conditioner, Cooktop, Disposal, Dishwasher, Dryer, Ductwork, Electrical, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Stove, Washer, Water heater

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

11 Years in BusinessBBB Rating: B-
Best for Customization

AFC Home Warranty

Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue
Plan Name Silver Plan
Monthly Cost $42.17 – $47.00
Service Fee $75.00 - $125.00
Items Covered

Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Garage door opener, Kitchen refrigerator, Oven, Range, Stove

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Systems Plan
Monthly Cost $49.42 – $54.25
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Electrical, Heating system, Plumbing, Water heater

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Gold Plan
Monthly Cost $56.67 – $61.05
Service Fee $75.00 - $125.00
Items Covered

Air conditioner, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Ductwork, Electrical, Garbage disposal, Garage door opener, Heating system, Kitchen refrigerator, Oven, Plumbing, Range, Stove, Water heater

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Platinum Plan
Monthly Cost $61.05 – $66.33
Service Fee $75.00 - $125.00
Items Covered

Air conditioner, Attic fan, Built-in microwave, Ceiling fan, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Ductwork, Electrical, Exhaust fan, Faucets, Garbage disposal, Garage door opener, Heating system, Ice maker, Kitchen refrigerator, Oven, Plumbing, Plumbing stoppages, Range, Stove, Water heater

Add-on Items

Central vacuum, Double oven, Electonics coverage, Hot water dispenser, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

14 Years in BusinessBBB Rating: B
Best Appliance Coverage

First American Home Warranty

Pros

  • Allows you to choose your service call fee
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • Accepts 24/7 service calls

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers
Plan Name Starter Plan
Monthly Cost $47.00 – $67.00
Service Fee $75.00 - $125.00
Items Covered

Built-in microwave, Dishwasher, Ductwork, Electrical system, Heating system, Kitchen range hood, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Toilet tanks/bowls/mechanisms

Add-on Items

Additional refrigeration, Central air conditioning, First American Advantage, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

Plan Name Essential Plan
Monthly Cost $52.00 – $72.00
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Built-in microwave, Ceiling/attic/exhaust fans, Clothes washer, Clothes dryer, Dishwasher, Ductwork, Electrical system, First American Advantage, Garage door opener, Heating system, Kitchen range hood, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Toilet tanks/bowls/mechanisms, Trash compactor, Water heater

Add-on Items

Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

Plan Name Premium Plan
Monthly Cost $67.00 – $87.00
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Built-in microwave, Ceiling/attic/exhaust fans, Central vacuum system, Clothes washer, Clothes dryer, Dishwasher, Ductwork, Electrical system, Faucets, First American Advantage, Full garage door system, Garbage disposal, Heating system, Instant hot water dispenser, Kitchen range hood, Luxury appliance coverage, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Shower head/shower arm, Toilet tanks/bowls/mechanisms, Trash compactor, Water heater, Window AC unit

Add-on Items

Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

39 Years in BusinessBBB Rating: B
Cheapest Appliances Plan

2-10 Home Buyers Warranty

Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans
Plan Name Simply HVAC
Monthly Cost $39.70 – $50.20
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Heat pumps, Heating system, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Simply Kitchen
Monthly Cost $22.00 – $31.00
Service Fee $65.00 - $100.00
Items Covered

Built-in microwaves, Cooktops, Dishwashers, Ovens, Ranges, Refrigerators

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Essential Home
Monthly Cost $51.37 – $61.81
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Cooktops, Dishwashers, Heat pumps, Heating system, Ovens, Ranges, Refrigerators, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Complete Home
Monthly Cost $51.00 – $60.00
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Cooktops, Dishwashers, Electrical, Heat pumps, Heating system, Ovens, Plumbing, Ranges, Refrigerators, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Pinnacle Home
Monthly Cost $71.00 – $80.00
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Clothes Dryer, Clothes Washer, Cooktops, Dishwashers, Electrical, Heat pumps, Heating system, Ovens, Plumbing, Ranges, Refrigerators, Supreme Package, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Water softener, Well pump

39 Years in BusinessBBB Rating: A-

*BBB ratings are accurate as of August 2023.

**Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Phoenix
Average Max Temp:82°F
Average Min Temp:62°F
Average Annual Snowfall:0.1"
Homeownership Rate:62%
Median Home Size:1986 sqft
Median Home Price:$415,258

Expert Tips By

This Old House empowers homeowners with the knowledge and tools they need to tackle various projects and navigate the complexities of homeownership.

Are Home Warranties Worth It for Phoenix Residents?

Home warranties are worth it for Phoenix residents. Phoenix summers are very hot, which makes it extremely important that your air conditioner works well. However, this system can malfunction over time from heavy use.

Phoenix has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.

Even Phoenix's irregular rain can affect your home's roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Finally, home warranties connect you with reliable service providers.

Reputable home warranty companies vet every service provider they use. If life keeps you busy, investing in a home warranty ensures you have access to trustworthy technicians.

What To Consider Before Choosing a Home Warranty Company

These key factors can help you choose the right home warranty plan for your needs.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. There are also service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.

Coverage

You can look for a home warranty plan that covers specific appliances and systems. Decide whether you need coverage for major systems (such as air conditioning), specific appliances, or for both. Then ask your provider what its options are for customized coverage. The following is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Companies' coverage limits are also important. Our research indicates that providers with higher coverage limits often charge higher premiums. These providers may still be the right choice for houses with older appliances or systems.

Exclusions

Most home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers will outline exclusions and limitations in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.

Provider Reputation

Also, consider a provider's reputation when making a decision. You can read customer reviews on sites like Google Reviews, Trustpilot, and Best Company or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to see how providers handle claims and customer service. Check with the Arizona Attorney General to verify the status of a provider's state license.

Contractor Network

Take into account a home warranty company's service provider network. Make sure you ask your company where and how it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. Choose a provider that mentions service contractors you're familiar with. Those who live in rural areas should consider a home warranty policy that lets them choose their technician. You may not have any in-network service providers in your area, so you want the option to source your own.

Frequently Asked Questions About Home Warranty in Phoenix

Is a home warranty required in Phoenix?

No, Phoenix doesn't require homeowners to have a home warranty. However, we still recommend purchasing one because it helps you maintain a budget to cover expensive system and appliance breakdowns. It'll also save you time that would be otherwise spent searching for a reputable service technician.

What are preexisting conditions?

A preexisting condition is a breakdown or issue experienced by a home appliance or system before your warranty coverage begins. Providers typically don't cover preexisting conditions. Make sure you purchase a home warranty policy while all your appliances and systems are still in working order to ensure complete protection.

What is Phoenix's best home warranty provider?

Phoenix's best home warranty provider depends on your specific needs. Liberty Home Guard is an excellent choice if you need unique coverage. Consider American Home Shield for comprehensive coverage limits.

Can I get a home warranty that covers other types of home items?

Yes, you can find a home warranty that covers household items besides common appliances and systems. For instance, some policies may cover sump pumps, pools and spas, septic systems, well pumps, or stand-alone freezers. These are typically considered add-ons. Check with your provider to determine what add-ons are available.

Why is there a waiting period before my home warranty coverage begins?

Home warranty policies typically don't cover already broken items. Therefore, most home warranty companies have a waiting period of 30 days before the start of coverage to ensure appliance and system breakdowns are from normal wear and tear, not preexisting conditions.

How is a home warranty different from homeowners insurance?

A home warranty plan only covers home systems and appliances that need to be repaired or replaced due to normal wear and tear. Homeowners insurance, on the other hand, provides coverage for homes for damage from disasters like fires, accidents, and property losses.

How can I maximize the value of my home warranty?

To get the most value from your home warranty in Phoenix, read the contract carefully to know what is and isn't covered. In addition, keep up with regular maintenance for your home appliances and systems. This helps ensure they're covered if one has an issue.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

More Home Warranty Resources

Sources