Lowest Dispute Rates — Home Warranty Companies
Companies where consumers least often dispute the resolution — indicating more satisfactory outcomes.
What This Ranking Tells Us
The dispute rate is arguably the most telling metric for customer satisfaction. After a company responds to a CFPB complaint, the consumer can accept or dispute the response. A low dispute rate means consumers generally find the company response satisfactory. Companies at the top of this list are most effective at resolving complaints to the consumer's satisfaction, even after a formal complaint was necessary.
| # | Company | BBB | Dispute % |
|---|---|---|---|
| 1 | America's Preferred Home Warranty 100,000+ customers | A+ | 6% |
| 2 | Old Republic Home Protection 400,000+ customers | A- | 10% |
| 3 | Fidelity National Home Warranty 200,000+ customers | A- | 11% |
| 4 | Landmark Home Warranty 100,000+ customers | A- | 11% |
| 5 | 2-10 Home Buyers Warranty 500,000+ customers | B | 12% |
| 6 | HSA Home Warranty 200,000+ customers | B+ | 13% |
| 7 | First American Home Warranty 500,000+ customers | A | 14% |
| 8 | HomeServe 5,000,000+ customers | B+ | 14% |
| 9 | Cinch Home Services 400,000+ customers | B | 16% |
| 10 | AFC Home Club 100,000+ customers | A | 17% |
| 11 | American Home Shield 2,000,000+ customers | B | 18% |
| 12 | Liberty Home Guard 200,000+ customers | A | 19% |
| 13 | Home Warranty of America 100,000+ customers | B- | 20% |
| 14 | Porch Home Warranty 50,000+ customers | B- | 21% |
| 15 | Choice Home Warranty 1,000,000+ customers | B | 22% |
| 16 | First Premier Home Warranty 20,000+ customers | B | 24% |
| 17 | Select Home Warranty 300,000+ customers | B | 25% |
| 18 | ServicePlus Home Warranty 100,000+ customers | C+ | 28% |
| 19 | Total Home Protection 50,000+ customers | C | 30% |
Source: Consumer Financial Protection Bureau (CFPB) complaint database.
What This Ranking Reveals
This Lowest Dispute Rates — Home Warranty Companies leaderboard is generated directly from the PlainWarranty home warranty dataset — 19 companies ordered by the dispute % dimension, with no editorial weighting or sponsorship input. Every rank on this page is reproducible from the underlying CFPB complaint records, BBB ratings, and published plan documentation listed in the source line above. The top-ranked company on this axis is America's Preferred Home Warranty, with 6% on the dispute % metric.
The dispute rate is arguably the most telling metric for customer satisfaction. After a company responds to a CFPB complaint, the consumer can accept or dispute the response. A low dispute rate means consumers generally find the company response satisfactory. Companies at the top of this list are most effective at resolving complaints to the consumer's satisfaction, even after a formal complaint was necessary.
No single ranking captures the full picture of a home warranty company. A provider topping the "best response rate" board may still land near the bottom on "lowest dispute rate" — indicating fast but unsatisfying resolutions. The most informed decision reads three or four of these rankings together and intersects them with the company detail page for deeper context: state availability, plan-tier coverage matrix, pricing bands, BBB rating, and raw complaint trends by year. Sponsored "best home warranty" lists elsewhere on the web routinely disagree with rankings built from actual complaint data — treat any list without a transparent, public data source with skepticism.
Frequently Asked Questions
What does it mean when a consumer disputes a response?
After a company responds to a CFPB complaint, the consumer has the option to indicate whether the response was satisfactory. A dispute means the consumer felt the company did not adequately address their concern. High dispute rates suggest the company provides inadequate resolutions — form letters, lowball offers, or deflection rather than genuine problem-solving.
What is a good dispute rate?
The industry average dispute rate for home warranty companies is roughly 15-20%. Companies below 10% are performing exceptionally well at resolving complaints. Companies above 25% have significant customer satisfaction issues that should give potential buyers pause.
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Read our methodology — how this data is sourced, computed, and verified.
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Source: State Insurance Departments — Home Warranty Filings Home warranty plan coverage, exclusions, and pricing · 2025