Which home warranty company
can you actually trust?
We rate 19 national home-warranty companies on independent reputation signals - Better Business Bureau ratings & reviews and Trustpilot scores, alongside real plan details and state-by-state regulation. Free, and nobody pays to rank higher.
Reliability leader (this vintage)
HomeServe leads our 19-company Reliability Score board at 96/100 with an A+ BBB rating.
PlainWarranty ranks national home-warranty companies from Better Business Bureau ratings and reviews plus Trustpilot scores, not paid placements or complaint volume. 8 states fully regulate these products. Scores refresh with each BBB/Trustpilot scrape; see /methodology.
Top reliability score right now
HomeServe leads at 96/100 on an A+ BBB rating.
Our Reliability Score blends each company's BBB rating, BBB customer reviews, and Trustpilot score, never marketing claims, and never raw complaint counts (which just track company size). How we score →
19
Companies rated
19
With BBB data
8
Fully regulated states
Most reliable companies
Ranked by Reliability Score, BBB rating, BBB reviews, and Trustpilot, blended transparently.
HomeServe
BBB A+ · $50-$300 per plan/yr
Old Republic Home Protection
BBB A+ · $400-$700/yr
Liberty Home Guard
BBB NR · $400-$700/yr
America's Preferred Home Warranty
BBB A+ · $450-$600/yr
AFC Home Club
BBB B · $400-$750/yr
Cinch Home Services
BBB A+ · $350-$700/yr
First American Home Warranty
BBB A- · $350-$600/yr
American Home Shield
BBB B · $300-$900/yr
Choice Home Warranty
BBB B · $450-$650/yr
Home Warranty of America
BBB B · $400-$600/yr
Coverage isn't all-or-nothing
A "covered" system can still be partially covered, capped by a dollar limit, or hedged with exclusions that vary by plan tier. This is why two plans at the same price can pay out very differently, and why our company pages map coverage system-by-system, straight from each provider's plan documents.
Explore coverage by systemWhat home warranties cover
Major systems and appliances, with typical repair-cost ranges.
Ceiling Fans
Typical repair: $50–$200
19 of 19 companies cover this
Central Vacuum System
Typical repair: $100–$400
17 of 19 companies cover this
Ductwork
Typical repair: $200–$800
19 of 19 companies cover this
Electrical System
Typical repair: $200–$1,000
19 of 19 companies cover this
Garage Door Opener
Typical repair: $100–$350
19 of 19 companies cover this
HVAC (Heating, Ventilation & Air Conditioning)
Typical repair: $300–$1,500
19 of 19 companies cover this
Kitchen Appliances
Typical repair: $100–$600
19 of 19 companies cover this
Laundry Appliances
Typical repair: $100–$500
19 of 19 companies cover this
Plumbing System
Typical repair: $150–$800
19 of 19 companies cover this
Is a home warranty worth it for you?
Estimate your likely annual repair costs against plan costs, based on your home's age and the systems you'd cover. No account, no email.
Open the calculatorThe most common complaints
The issues that come up most often across home-warranty customers, ordered by how frequently they're reported.
Claim Denial
Warranty company denies a covered claim, often citing pre-existing conditions, lack of maintenance, or policy exclusions.
Slow Response Time
Long waits for contractor dispatch, especially during peak seasons (summer for AC, winter for heating).
Low Coverage Limits
Per-item or per-incident caps that do not cover the full cost of repair or replacement.
Contractor Quality
Poor quality repairs, unlicensed contractors, or contractors unfamiliar with the specific system.
Cancellation Difficulties
Difficulty canceling the warranty or unexpected fees for early cancellation.
Pre-existing Condition Exclusion
Company denies claims on items that had issues before the warranty start date, even if the homeowner was unaware.
Home warranty guides
Independent guides to understanding contracts, comparing options, and making the cost-benefit call.
Sources: Better Business Bureau and Trustpilot (company reputation), state Departments of Insurance and Attorneys General (regulation), the U.S. Census Bureau (market context), and company plan documents (coverage & pricing). Home-warranty companies are not CFPB-regulated, so no CFPB data is used. Read our full methodology. Key findings and downloadable extract. Download the listed-issuer snapshot: warranty-registry-statistics.csv (same CSV as /statistics, CC0).
About this data
How PlainWarranty scores companies, and why you can trust these ratings
What this site is
PlainWarranty rates home warranty companies with a transparent reliability score built from Better Business Bureau ratings and reviews, Trustpilot scores, plan documents, and state regulation data. Home warranty companies are not CFPB-regulated, so we rely on BBB and Trustpilot reputation signals rather than a federal complaint database.
Editorial process
- Source. Collect the BBB letter rating, customer-review average, and Trustpilot TrustScore for each company, plus each company’s published plan documents and state Department of Insurance / Attorney General filings.
- Verify. Blend the BBB letter rating (45%), BBB review average (25%, minimum 5 reviews), and Trustpilot TrustScore (30%, minimum 5 reviews) into a 0-100 Reliability Score; missing signals re-normalize the weights and a company with none is shown as "Not rated."
- Publish. Render each source into company profiles, rankings, and coverage matrices; where a figure cannot be verified against a source, the page omits it rather than estimating.
Editorial independence & corrections
PlainWarranty does not accept paid placements, sponsored rankings, or affiliate commissions. If a company believes a figure attributed to it is wrong, we re-check it against the source and update or remove it. Get in touch via the contact page. See our methodology for full source attribution.
Frequently asked
What is a home warranty?
A home warranty is a service contract that covers the repair or replacement of home systems and appliances when they break down due to normal wear and tear, unlike homeowners insurance, which covers sudden damage from events like fires or storms.
How does PlainWarranty score companies?
The Reliability Score blends the BBB letter rating, BBB customer-review average, and Trustpilot TrustScore. Coverage matrices are built from publicly available plan documents. PlainWarranty does not accept paid placements, sponsored rankings, or affiliate commissions.
Why doesn't PlainWarranty include consumer reviews of its own?
Consumer review sites can be gamed through incentivized or fake reviews. We surface aggregate review scores already published by the BBB and Trustpilot rather than hosting or soliciting our own.
How often is the data updated?
BBB profiles, Trustpilot scores, state filings, and plan documents change at the source at different cadences. PlainWarranty refreshes its database periodically; always verify current terms directly with the company before purchasing.