Most Affordable Home Warranty Plans
Companies ranked by the starting annual plan cost, lowest advertised prices first.
This list, in one line
HomeServe leads on from / yr at $50 - the #19 cutoff to make this list is $450 (HSA Home Warranty).
- $50
- #1 · HomeServe
- $450
- #19, the cutoff to make this list
- 19
- Companies ranked
Company plan documents. Rankings are computed from public data, not sponsored.
The bar to make this list
Full distribution of from / yr across all 19 ranked companies
$450 19th of 19 the lowest of 19 companies
Companies, banded by from / yr
Each bar is a $0.05K-wide band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Company plan documents · 2026-06-15
| # | Company | Grade | From / yr |
|---|---|---|---|
| 1 | HomeServe | A | |
| 2 | American Home Shield | C | |
| 3 | 2-10 Home Buyers Warranty | C | |
| 4 | Porch Home Warranty 1 of 3 signals | F | |
| 5 | Cinch Home Services | B | |
| 6 | First American Home Warranty | B | |
| 7 | Fidelity National Home Warranty | C | |
| 8 | Landmark Home Warranty | C | |
| 9 | First Premier Home Warranty | D | |
| 10 | Old Republic Home Protection | A | |
| 11 | Liberty Home Guard 2 of 3 signals | A | |
| 12 | AFC Home Club | B | |
| 13 | Home Warranty of America | C | |
| 14 | ServicePlus Home Warranty | C | |
| 15 | Select Home Warranty | C | |
| 16 | Total Home Protection | D | |
| 17 | America's Preferred Home Warranty | A | |
| 18 | Choice Home Warranty | C | |
| 19 | HSA Home Warranty 1 of 3 signals | F |
Score basis. A Reliability Score normally blends three signals, and a review signal counts once a company has 5 reviews. 3 companies here rest on fewer, so their scores carry less evidence than the rest of the table: Porch Home Warranty: BBB rating only (0 BBB reviews, 2 Trustpilot reviews); Liberty Home Guard: BBB reviews and Trustpilot only (BBB profile not rated); HSA Home Warranty: Trustpilot only (BBB profile not rated, 1 BBB review). How the score is built.
Source: Company plan documents.
What this ranking tells you
This ranking orders companies by the low end of their advertised annual plan cost. The cheapest plan is rarely the best value, lower premiums often come with higher service fees, more exclusions, or lower coverage limits. Compare the total cost of ownership (premium plus per-visit fee plus likely out-of-pocket on exclusions), not the headline premium alone.
No single ranking captures a company in full. A provider that tops one axis can sit mid-pack on another, strong BBB complaint-handling alongside soft customer reviews, say. The best decision reads several of these lists together and intersects them with the company detail pages for coverage, pricing, and state availability.
Frequently asked questions
Should I just pick the cheapest plan?
No. The cheapest plan often carries the most exclusions, the lowest coverage limits, and the highest service fees. Calculate the total annual cost including likely service calls before deciding.
Explore more rankings
Source: Better Business Bureau & Trustpilot Home warranty company ratings and customer reviews · 2026 Reputation figures are point-in-time snapshots; rankings recompute as the underlying data is refreshed.
Read our methodology - how the Reliability Score is sourced and computed.
Every figure on PlainWarranty is rendered directly from BBB, Trustpilot, and state regulatory data, no number is typed in by an editor. Rankings are computed directly from BBB, Trustpilot, and state regulatory data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.