We may be compensated if you purchase through links on our website. Our Reviews Team is committed to delivering honest, objective, and independent reviews on home products and services.More

5 Best Home Warranty Companies in Georgia (2024)

We recommend Liberty Home Guard and American Home Shield as the best home warranty companies in Georgia. Our guide outlines our top picks and research process.

Author Image Written by Dana Getz + 1 other Reviewer Icon Reviewed by Michael Mansueto Updated 04/24/2024

Living without air conditioning in the middle of a Georgia summer is uncomfortable, to put it mildly. A home warranty can help protect your air conditioning unit and your other major home systems and appliances from unexpected breakdowns. These service agreements cover repair and replacement costs when your systems and appliances break down. It can also save you the time and hassle of locating a qualified AC repair technician.

Key Takeaways

We reviewed more than 50 leadingย home warranty companiesย and chose the best options for Georgia residents.
Liberty Home Guardย (LHG) was our top choice for its extensive add-on catalog and coverage for multiple cooling systems.
Did You Know?

In the last 30 days, more than 2,500 people bought home warranties from the above providers.


What Are Top Home Warranty Companies in Georgia?

Liberty Home Guard offers excellent add-on coverage plus protection for up to two AC units. American Home Shield provides comprehensive appliance and system coverage, including generous cooling and heating caps. We share our complete list of Georgia home warranty companies below: 

Liberty Home Guard: Best Customer Ratings
American Home Shield: Best for Comprehensive Coverage
Elite Home Warranty: Best Flexible Coverage
First American Home Warranty: Best Appliance Coverage

Compare Home Warranty Companies In Georgia

The following table compares the best home warranty companies in Georgia:

Star Rating Monthly Cost in GA Service Fee Response Time Link
Liberty Home Guard Liberty Home Guard
$49โ€“$59 $65โ€“$125 Up to 48 hours VISIT SITE
American Home Shield American Home Shield
$29โ€“$89 $100โ€“$125 Up to 48 hours VISIT SITE
Elite Home Warranty Elite Home Warranty
$44โ€“$58 $70 Up to 48 hours VISIT SITE
Select Home Warranty Select Home Warranty
$44โ€“$47 $60โ€“$75 48-84 hours VISIT SITE
First American Home Warranty First American Home Warranty
$47โ€“$87 $75โ€“$125 4-48 hours VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost in GA $49โ€“$59
Service Fee $65โ€“$125
Response Time Up to 48 hours
VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost in GA $29โ€“$89
Service Fee $100โ€“$125
Response Time Up to 48 hours
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost in GA $44โ€“$58
Service Fee $70
Response Time Up to 48 hours
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost in GA $44โ€“$47
Service Fee $60โ€“$75
Response Time 48-84 hours
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost in GA $47โ€“$87
Service Fee $75โ€“$125
Response Time 4-48 hours
VISIT SITE
Company BBB Rating Monthly Cost in GA Service Fee Visit Site
NR $49โ€“$59 $65โ€“$125 VISIT SITE
B $29โ€“$89 $100โ€“$125 VISIT SITE
A+ $44โ€“$58 $70 VISIT SITE
B- $44โ€“$47 $60โ€“$75 VISIT SITE
B $47โ€“$87 $75โ€“$125 VISIT SITE
No results were found.

The pricing information in this article uses a 2,180-square-foot, single-family home in Atlanta, Georgia. Your monthly premium may vary based on your homeโ€™s location, size, type, plan, and add-on choices.


Do I Need a Home Warranty in Georgia?

A Georgia home warranty can save you money on expensive repairs and replacements if a major system or appliance, such as your water heater, air conditioning system, or refrigerator, breaks down due to normal wear and tear. Emergency repair services could cost hundreds of dollars or more. 

According to the U.S. Energy Information Administration (EIA), about 95% of Georgians rely on air conditioning systems to keep their homes cool during sweltering summers.

How Much Does a Home Warranty Cost in Georgia?

You can expect to pay an average of $52 monthly or $624 annually for a Georgia home warranty based on the pricing information we obtained for this article. Additionally, service fees range between $75โ€“$125 per claim. The cost of a home warranty can vary widely based on additional factors, such as home size, plan coverage, and add-ons. Weโ€™ll detail key factors below: 

  • Add-on coverage: Choosing add-ons will increase your monthly and annual premium costs. For example, only a few home warranty companies include roof-leak coverage in their plans, so expect to pay extra for this coverage. We recommend assessing your coverage needs and choosing only essential add-ons. 
  • Home size: Based on the hundreds of quotes weโ€™ve pulled, coverage costs increase roughly 10%โ€“15% if your home is larger than 4,000 square feet. We suggest requesting quotes from at least three home warranty companies to compare coverage costs.
  • Specialized vs. comprehensive coverage: The amount of coverage a provider offers in its standard plans and its selection of add-ons affect cost. Our research shows that companies covering more than 20 items, such as add-ons, charge more for a coverage plan. We suggest getting a specialized plan if you only need coverage for specific systems or appliances.

What Does a Georgia Home Warranty Cover?

Georgia home warranty companies typically offer one of two general plans: plans that cover specific items (such as an appliance or system plan) or plans that cover both. These plans come in several tiers, with each successive tier offering more comprehensive coverage. 

Home warranty companies also offer add-ons that allow you to customize your plan’s coverage or get protection for non-standard items.

Common Inclusions

Common Exclusions

Common Add-ons

  • Air conditioning 
  • Refrigerators 
  • Clothes dryers
  • Clothes washers
  • Dishwashers
  • Ductwork 
  • Water heater 
  • Heating 
  • Plumbing
  • Damage caused by misuse, abuse, or improper installation
  • Acts of nature 
  • Commercial-grade equipment 
  • Known or unknown preexisting conditions
  • Inaccessible items
  • Flues, vents, chimneys, and other exhaust lines
  • Cosmetic damage 
  • Luxury items 
  • Electronic devices
  • Smart home systems
  • General maintenance and upkeep
  • Gas, smoke, or leak detection system (radon, carbon monoxide, etc.)
  • Water softener
  • Sump pump
  • Plumbing fixtures
  • Swamp cooler
  • Septic system
  • Lighting fixtures
  • Trash compactor
  • Lawn sprinkler system
  • Roof leak

Our Home Warranty Research Process

Why Trust Us? Our review and rating process for the best home warranty companies
57
Companies Considered We carefully considered 57 companies to find the best home warranty providers available.
2000
Homeowners Surveyed We surveyed 2,000 home owners to see what they care about most for home protection.
57000
Reviews Analyzed We went through 57,000 customer reviews of home warranty companies to see what people had to say about each provider.
31
Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

Our team researched common home appliance and system issues residents face to help us select Georgiaโ€™s top home warranty companies. This research included contacting local real estate and repair professionals, discovering common Georgia home inspection failures, and determining essential home installations based on the stateโ€™s regional climates. We then contacted home warranty companies for sample quotes, spoke with representatives, and reviewed home warranty policies. 
Next, we scored each provider against our review standards in four categories: coverage, value, trust and transparency, and availability and service. We reviewed coverage options to ensure key protections for HVAC and roof leaks appeared in baseline coverage or as an add-on. We weighed premium costs versus overall plan value. We verified brand reputation through the Better Business Bureau (BBB) and by reading customer reviews on third-party sites. We also reviewed services based on customer support availability, the claims process, and the estimated processing timeline.


Georgia Home Warranty Company Reviews

Here are our reviews of our top recommended home warranty providers in Georgia:

Liberty Home Guard

Best Customer Ratings
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend LHG for Georgia homeowners who need customized add-on coverage plus protection for multiple AC units. The company offers 38 add-on options, such as roof-leak coverage, septic systems, and additional appliances.ย 

Monthly cost: $49โ€“$59

How We Scored Liberty Home Guard

We awarded LHG a 4.5 out of 5 stars in our review standards. The company received high scores for its 60-day workmanship guarantee and extensive add-on choices. We deducted points for its inflexible service technician policy and limited industry experience. Hereโ€™s how LHG rated it in key categories:

  • Coverage (4.7 out of 5): LHG scored well for its extensive add-on catalog and unique AC coverage options.ย 
  • Value (4.25 out of 5): LHG lost points for its vague service fee policy and inflexible fees.ย 
  • Trustworthiness and Transparency (4.8 out of 5): LHG scored high for its excellent customer reputation, including an A rating with the Better Business Bureau (BBB).ย 
  • Availability and Service (4.3 out of 5): LHG lost points for its inflexible service technician policy.

Pros and Cons

Pros Includes HVAC and plumbing coverage with two of its plans Offers coverage for up to two air conditioner units Protects repairs with a 60-day workmanship guarantee Cons Does not let you choose your own service provider Only offers roof-leak coverage as an add-on Provides vague details on how it chooses service fees

Plans and Cost

After reviewing the LHG sample contract, we discovered that the company doesnโ€™t offer rook-leak protections with its standard coverage. Instead, you must add coverage as an add-on, which is typical for many home warranty companies. We also learned that although most items receive a $2,000 coverage cap, electrical and plumbing systems include a $500 limit.ย 

Weโ€™ll cover LHGโ€™s coverage plans below:

  • Appliance Guard: Its appliance-only plan covers nine major appliances, including built-in microwaves, cooktops, and refrigerators. Appliances receive a $2,000 coverage limit.ย 
  • Systems Guard: The next plan includes six major built-in systems, such as air conditioning, heating, and plumbing. Most systems receive the same $2,000 limit, but plumbing and electrical include a $500 coverage cap.ย 
  • Total Home Guard: The highest plan offers comprehensive coverage for systems and appliances.ย 

LHG offers monthly and annual premium options, typical for home warranty companies. Based on our sample quotes, LHG includes two free months of coverage for choosing an annual plan. Unlike many providers offering two or more service call fee options, LHG assigns a fee based on your location, plan, and add-ons. Its fees range from $65โ€“$125.

Weโ€™ve detailed LHG monthly pricing below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing & electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

LHG offers 38 add-on options, one of the highest selections in this review. Prices range from $3.00 to $35.99 per month. The company offers unique protections like rekey services, pest control, and gutter cleaning. When we pulled sample quotes online, LGH included the following popular coverage options among Georgia homeowners:ย 

  • Limited roof-leak coverage
  • Ice maker (In-fridge)
  • Pool and spa
  • Septic system pumping
  • Standalone Freezer

Our Experience With Liberty Home Guard

Based on our testing, LHG offers one of the quickest connections to its over-the-phone customer support. When we called in, we reached a representative in under 60 seconds.ย 

Along with its prompt customer line, the company also offers live online chat support.ย  Our chats connected in under 30 seconds but resulted in messages from an automated bot. To speak with a representative, you must ask for one at least twice in the chat.ย 

We also learned that you can submit online claims over the phone, online, and through the companyโ€™s dedicated mobile app.

American Home Shield

Best for Comprehensive Coverage
4.4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend AHS for Georgia homeowners that need coverage for their older homes or systems. The companyโ€™s comprehensive plans include protection for items with preexisting conditions and physical damage, which is rare for home warranties.ย 

Monthly Cost: $29โ€“$89

How We Scored American Home Shield

AHS received 4.4 out of 5 stars in our review standards. The company received higher points for its flexible service fees and generous HVAC coverage. We deducted points for its higher bundled plan pricing. Hereโ€™s how we rated AHS in key categories:

  • Coverage (4.7 out of 5): AHS received higher points for its higher HVAC cap and coverage for damaged items.
  • Value (4 out of 5): We deducted points for its high premium rates for bundled coverage.ย 
  • Trustworthiness and Transparency (4.25 out of 5): AHS received a low score due to its lower customer review scores.ย 
  • Availability and Service (4.7 out of 5): We awarded a high score for its 24/7 claims line and quick online claims process.

Pros and Cons

Pros Includes heating and cooling protection with every plan Offers protection for older systems and appliances Provides roof-leak coverage with its highest plan Cons Charges higher for its bundled plans than other reviewed providers Doesnโ€™t include an annual premium option Offers only six add-on options

Plans and Cost

After reading through the AHS sample contract, we discovered every plan includes a $5,000 coverage cap for heating and cooling systems. Its highest plan, ShieldPlatium, includes roof leak coverage as part of its standard coverage. All other plans require an add-on option for these protections. All repairs include a 30-day workmanship guarantee.ย 

Weโ€™ll detail AHS plans below:

  • ShieldSilver: This system-only plan includes major home systems, including cooling, electrical, and heating. All systems receive a $5,000 coverage cap.ย 
  • ShieldGold: The next plan combines the ShieldSilver plan and adds major appliance coverage, such as refrigerators and ovens. Coverage includes the same $5,000 system cap plus $2,000 for appliances.ย 
  • ShieldPlatinum: The highest plan includes ShieldGold coverage and offers additional perks, such as HVAC tune-up and rook-leak protections. Your appliance coverage doubles to $4,000.ย 

AHS offers a choice between a $100 or $125 service call fee. When we chose a higher fee for our sample quote. Unlike other providers that offer annual and monthly premiums, AHS only provides monthly premium plans.ย 

Hereโ€™s an overview of AHSโ€™ monthly pricing:

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$29.99–$39.99

$100–$125

$5000

ShieldGold

$49.99–$59.99

$100–$125

Systems: $5,000
Appliances: $2,000

ShieldPlatinum

$79.99–$89.99

$100–$125

Systems: $5,000
Appliances: $4,000

AHS only has six add-on options to accompany its plans. Based on our research, many companies offer at least eight or more options.ย  Youโ€™ll pay $10.00 per month to add roof-leak coverage to the ShieldSilver and ShieldGold plans.ย 

Additional add-on options include the following coverage:

  • Electronics protection plan
  • Guest unitย 
  • Pool and spa
  • Septic pump
  • Well pump

Our Experience With American Home Shield

Our team member tested the AHS claims processing to repair a faulty bathroom pipe. Hereโ€™s a summary of his experience:

  • He received a text and email confirmation after submitting his online claim.ย 
  • Five minutes later, a service technician contacted him to set a next-day appointment.ย 
  • The technician fixed the leaky pipe in two hours.ย 
  • Our team member only paid the service call fee for his visit.

Elite Home Warranty

Best for Flexible Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee and 27 add-on options.

Monthly cost: $44โ€“$58

How We Scored Elite Home Warranty

We rated Elite Home Warranty 4.6 out of 5 stars in our review standards. We awarded high scores for its plan and add-on coverage variety.ย  We deducted points for its restrictive service technician policy and limited online options. Hereโ€™s how Elite rated in key categories:

  • Coverage (4.6 out of 5): Elite scored high for its three customizable coverage plans and extensive add-on catalog.ย 
  • Value (4.25 out of 5): We deducted points because the company only offers one service call fee and charges a higher fee for high-end appliances.ย ย 
  • Trustworthiness and transparency (4.8 out of 5): Elite scored well for its excellent customer review scores on the Better Business Bureau (BBB) and other third-party sites.ย 
  • Availability and service (4.5 out of 5): Elite lost points for its limited online services. Unlike other providers, it doesnโ€™t offer an online quote tool.

Pros and Cons

Pros Offers three comprehensive standard plans Provides 27 add-on options Includes a 90-day workmanship guarantee Cons Charges higher service call fees for high-end appliances Excludes out-of-network contractors from workmanship guarantee Requires you to call for a quote

Plans and Cost

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.

We recommend reading through the sample contract or getting a quote for full details on coverage caps.ย 

Below are the details of Eliteโ€™s coverage plans:

  • Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit.ย 
  • Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.ย ย 
  • Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection.ย 

Plan

Monthly Cost

Service Fee

Coverage Cap

Elite Appliances

$44.49

$70

Varies per Item

Elite Systems

$49.99

$70

Varies per Item

Elite Complete

$58.99

$70

Varies per Item

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44โ€“$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.

Elite offers 27 add-on options, one of the largest catalogs weโ€™ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Eliteโ€™s add-on coverage limits vary by item. There is a $5,000 total limit per term.ย 

Weโ€™ve highlighted some of Eliteโ€™s most attractive add-on options below. View the full list on Eliteโ€™s website:

  • Annual maintenance
  • Drainage, sewer, and water service lines
  • Pool and spa equipment
  • Geothermal heating and cooling systems
  • Septic system

Our Experience with Elite Home Warranty

One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Hereโ€™s a summary of his experience:

  • He submitted his claim online and received an Elite claims specialist call within 30 minutes.ย 
  • He received a next-day appointment for his repair.ย 
  • The technician arrived on the assigned day but realized the repair would require out-of-stock parts.ย 
  • After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
  • The technician completed the repairs within an hour.

Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. You wonโ€™t receive any workmanship coverage if you choose your own technician.

Select Home Warranty

Best Value
4.3 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Select Home Warranty for Georgia residents looking for baseline protection at an affordable price. The company offers free roof-leak protection with every plan and keeps its pricing under $50 per month.ย 

Monthly cost: $44โ€“$47

How We Scored Select Home Warranty

Select Home Warranty received 4.3 out of 5 stars in our review standards. Select received higher scores for offering free roof-leak coverage and affordable plan pricing. We deducted points for its lower coverage caps for most appliances and systems. Hereโ€™s how we rated Select in key categories:

  • Coverage (3.7 out of 5): Select received a low score for its coverage caps, which fall below the $2,000 industry standard.ย 
  • Value (5.5 out of 5): We awarded a perfect score for its budget-friendly premium pricing.ย ย ย ย 
  • Trustworthiness and Transparency (4.5 out of 5): We deducted points for its low review scores across multiple third-party review sites.ย 
  • Availability and Service (4.3 out of 5): The company lost points for its long claims process timeframe.

Pros and Cons

Pros Includes a $3,000 cap for HVAC systems Offers budget-friendly premium pricing Provides free roof leak coverage with every plan Cons Charges multiple service call fees even if claims occur at the same time Doesnโ€™t provide service call flexibility Offers $500 or lower coverage caps for most appliances and systems

Plans and Cost

After reading through the Select Home Warranty sample contract, our team discovered homeowners receive $3,000 for HVAC systems but only $500 for other items. The company includes free roof-leak coverage with every plan, which is typically offered as an add-on with other providers. We recommend Select for Georgia homeowners looking for affordable home warranty plans focusing on roof-leak and HVAC protection.ย 

Below are details on Select Home Warrantyโ€™s plans:

  • Bronze Care: This appliance-only plan covers eight major appliances, including dishwashers, refrigerators, and ovens. All appliances receive a $500 cap.
  • Gold Care: This plan covers six major home systems, including air conditioning, heating, and plumbing. Most items receive a $500 cap, except heating and cooling, which includes up to $3,000 in coverage.ย 
  • Platinum Care: Its comprehensive plan includes Bronze and Gold Care items, plus other items such as garage door openers and plumbing stoppages. Coverage limits remain the same.ย 

Select Home Warranty offers monthly and annual premium options. Our sample quotes include a discount of $150 and two additional months of coverage with its annual premium option. In addition, we learned that service call fees are assigned to customers. You can expect a service call fee between $60โ€“$75 service per claim.ย 

Here are Select Home Warrantyโ€™s monthly costs and service fees:

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$44.42

$60–$75

$500

Gold Care

$44.42

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$47.75

$60–$75

Coverage caps remain the same

Select offers nine add-on options priced lower than its competitors. Pricing ranges between $3.33 and $8.33 per month. You must add the free roof-leak add-on to receive coverage.ย 

Some additional add-on options include the below items:ย 

  • Central vacuum
  • Lawn sprinkler system
  • Pools
  • Septic system
  • Standalone freezer

Our Experience With Select Home Warranty

When our team called for a quote over the phone, we received a phone-exclusive offer for the lowest service fee available. Our customer service representative advised that Select prefers processing claims and account issues over the phone.

In addition, we discovered that Select uses its own network of preapproved technicians for its repairs. You can use your own technician if it canโ€™t find one in your area, but the company must approve them first.

First American Home Warranty

Best Appliance Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend First American Home Warranty for Georgia homeowners who own high-end appliances and who need frequent home system servicing. The company offers unlimited caps for most systems and up to $7,000 of appliance coverage.ย 

Monthly cost: $47โ€“$87

How We Scored First American Home Warranty

First American Home Warranty received 4.6 out of 5 in our review standards. The company scored higher for its unlimited system caps and high appliance limits. We deducted points for its inconsistent claim processing timeline. Hereโ€™s how we rated First American in key categories:ย 

  • Coverage (4.7 out of 5): First American scored well for its coverage caps, which included unlimited coverage for HVAC systems.ย 
  • Value (4 out of 5): We deducted points for its higher service call fees.ย 
  • Trustworthiness and Transparency (4.8 out of 5): The company scored well for its excellent reputation, which included high third-party review scores.ย 
  • Availability and Service (4.3 out of 5): We deducted points for its varying claim processing timeframe.

Pros and Cons

Pros Doesnโ€™t cap coverage for most systems, including heating and cooling Offers an additional plan upgrade that covers preexisting conditions Provides up to a $7,000 appliance limit on its highest plan Cons Charges slightly higher service call fees Doesnโ€™t include air conditioning in standard coverage for its lowest plan Omits some essential home system coverage from its basic plan

Plans and Cost

After thoroughly reading First Americanโ€™s sample contract, we discovered that the Premium Plan includes roof-leak coverage. However, you must add a roof-leak add-on for the other two plans. Most systems include an unlimited coverage cap except water heaters, which have a $1,000 limit. Our sample quote showed that the Starter Plan doesnโ€™t cover some essential items, such as clothes washers, dryers, and air conditioners. You can add AC coverage as an add-on, though. You can also add the First American Upgrade to the Essential and Premium plans for added coverage for items with preexisting conditions.ย 

Weโ€™ll review First Americanโ€™s plan coverage below:

  • Starter Plan: The lowest tier offers essential appliance and system coverage, such as heating, plumbing, and refrigerators. This plan includes a $3,500 appliance cap and unlimited coverage for home systems.
  • Essential Plan: This plan includes Starter Plan coverage, plus protection for most items, such as air conditioning, clothes washers and dryers, and water heaters. You receive the same coverage limits. Water heaters receive a $1,000 limit.ย ย 
  • Premium Plan: The highest plan includes the Essential Plan items plus coverage for additional items such as luxury appliances and window air conditioning units. The appliance coverage cap doubles to $7,000.ย 

First American Home Warranty offers annual and monthly premiums. Unfortunately, First American doesnโ€™t offer bonus months of coverage or discounts with its annual plans. The company offers flexible service call fees of $75, $100, or $125. Our premium rates increased when we chose a lower call fee for our sample quote.ย 

Weโ€™ll outline First Americanโ€™s monthly rates and fees below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$47–$62

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$57–$72

$75–$125

Systems: Unlimited (Water heaters: $1,000)

Appliances: $3,500

Premium Plan

$72–$87

$75–$125

Systems: Remain the same Appliances: $7,000

You can choose from 12 add-on options for your plan. These options include central AC coverage for $8.33 and HVAC tune-ups for $2.08. Youโ€™ll add $8.33 per month to your premiums when adding roof-leak coverage for the Starter Plan and Essential Plan.ย 

 

Additional add-on coverage includes the following items:

  • Pool/spa equipment
  • Septic tank pumping/systemsย 
  • Up to three additional refrigeratorsย 
  • Water softeners
  • Well pumps

Our Experience With First American Home Warranty

Our team member submitted a First American claim for a broken garage door opener. Hereโ€™s an overview of his experience:ย 

  • 30 minutes after submitting his online claim, he received a text with the service technicianโ€™s details.ย 
  • 30 minutes after that text, the technician called to schedule an appointment. Our team member called on a Friday and received an appointment for the following Monday.ย 
  • The repairs took less than 30 minutes, and he was only charged the service call fee.

Which Home Warranty Companies Didnโ€™t Make the List?

Our team researched major home warranty providers in Georgia when compiling this list. While most scored well on our ratings and review standards, we excluded some based on poor performance. We immediately excluded companies with a history of fraudulent practices or serious industry complaints, such as American Home Guard. Other companies didn’t make our list due to low scores in specific categories in our ratings and review standards. 

These companies had lower overall scores and aren’t ideal choices for Georgia homeowners. However, they may have areas of expertise or unique benefits that can be useful in certain situations.

Cinch Home Services

We excluded Cinch Home Warranty for its lack of roof-leak coverage. Most major home warranty companies include roof-leak coverage in premium plans or as an add-on. More generous companies even include it in system plans. Cinchโ€™s biggest draw for homeowners is its exterior rust and corrosion coverage, making it valuable for homeowners with metal roofs.ย 

ARW Home Warranty

ARW Home Warrantyโ€™s limited plan coverage was the primary reason we excluded it. Its appliances plan covers seven items, and its service plan covers only eight. Its premium plan covers all 15 baseline items along with other bonuses but still comes up short compared to the industry standard. However, ARWโ€™s lack of item-age limit on all its plans makes it a good option for Georgia homeowners with older homes or systems.ย 

2-10 Home Buyers Warranty

2-10 Home Buyers Warrantyโ€™s limited coverage and restrictive policies are the primary reasons for its exclusion. Its appliance and system plans cover 15 total items between the two and only offer four options for add-ons. Its premium plan includes all items of the system and appliance plans but is still limited compared to the industry average. Its low service fees and inexpensive premiums make it a viable option for budget-conscious homeowners.


How To Choose a Home Warranty in Georgia

Before buying a home warranty in Georgia, consider the following factors to help you get the most out of your plan:

  • Check technician availability: Ensure the home warranty company you choose has in-network technicians near you, especially if you live in a rural area in Georgia. If in-network service providers arenโ€™t in your area, ensure your home warranty provider allows you to hire a technician and reimburse your expenses.
  • Consider your local weather: Take into account your local climate. For example, if you live in an area prone to heavy snowfall, such as Rabun County, consider home warranty coverage with a generous heating coverage cap. 
  • Select your preferred communication: If you like the convenience of an online portal, choose a company that includes access to one. If you prefer using your smartphone, consider a company with a dedicated mobile app.

How Are Home Warranties Regulated in Georgia?

Our research shows that Georgiaโ€™s Office of Commissioner of Insurance and Safety Fire (OSISF) regulates insurance companies and automotive service contracts. However, there isnโ€™t a clear indication that the OSISF includes home warranties within its jurisdiction. Georgia still protects consumers who purchase a home warranty through the stateโ€™s Attorney Generalโ€™s Consumer Protection Division. You can file a complaint with this division if your home warranty provider refuses to resolve your dispute.
Although there isnโ€™t clear government oversight for home warranties in Georgia, there are industry organizations that enforce self-regulation. For example, the National Home Service Contract Association (NHSCA), comprised of member companies that follow set requirements, has divisions in all states, including Georgia. Its Georgia division lists all the member companies available within the state to help you choose a reputable company.


Home Warranty Cost Calculator

We created a calculator to break down the estimated annual cost of owning a home warranty. 

Use the following steps to calculate your projected annual cost:

  1. Enter your monthly premium
  2. Enter your service call fee
  3. Enter your estimated number of claims 

Itโ€™s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary.

Use the table below to compare your calculated repair and replacement costs for common appliances.

ApplianceAverage Repair CostAverage Replacement Cost
Dehumidifier$50โ€“$200$1,300โ€“$2,800
Microwave$50โ€“$400$60โ€“$2,000
Dishwasher$50โ€“$500$400โ€“$3,000
Exhaust Fans$16โ€“$300$250โ€“$950
Electric Range$100โ€“$500$230โ€“$3,000
Gas Range$100โ€“$500$230โ€“$3,000
Dryer$100โ€“$400$450โ€“$2,300
Oven$100โ€“$430$400โ€“$3,000
Washer$50โ€“$450$400โ€“$2,300
Freezer$90โ€“$500$160โ€“$2,900
Refrigerator$40โ€“$350$200โ€“$5,000
Life span and repair cost data sourced from InterNACHI and Home Depot

Other Resources for Residents in Georgia


FAQs About Home Warranties in Georgia

What does a Georgia home warranty cover?

Georgia home warranties come in one of three types: appliances, home systems, or premium plans. Commonly covered items include clothes washers and dryers, plumbing, refrigerators, cooktops, and heating and cooling systems.

How much does a home warranty cost in Georgia?

The monthly cost of a home warranty in Georgia is $52 monthly or $624 annually.ย 

Who regulates home warranty companies in Georgia?

The Attorney Generalโ€™s Consumer Protection Division oversees Georgia home warranty companies.

Do I need a home warranty in Georgia?

You donโ€™t need a home warranty in Georgia, as no law requires homeowners to purchase a home warranty. However, home warranties protect homeowners in the event of a major appliance or system failure.ย 


How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for cities throughout the state. 

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