Most Affordable Home Warranty Plans
Companies ranked by annual plan cost — starting from the lowest advertised prices.
What This Ranking Tells Us
This ranking orders companies by their advertised annual plan cost ranges, from most to least affordable. Note that the cheapest plan is not always the best value — lower premiums often come with higher service fees, more exclusions, or lower coverage limits. The best value combines reasonable annual cost with comprehensive coverage and low service fees. Always compare the total cost of ownership, not just the annual premium.
| # | Company | BBB | Rank |
|---|---|---|---|
| 1 | Porch Home Warranty 50,000+ customers | B- | #14 |
| 2 | 2-10 Home Buyers Warranty 500,000+ customers | B | #5 |
| 3 | American Home Shield 2,000,000+ customers | B | #11 |
| 4 | Landmark Home Warranty 100,000+ customers | A- | #4 |
| 5 | First Premier Home Warranty 20,000+ customers | B | #16 |
| 6 | Fidelity National Home Warranty 200,000+ customers | A- | #3 |
| 7 | First American Home Warranty 500,000+ customers | A | #7 |
| 8 | Cinch Home Services 400,000+ customers | B | #9 |
| 9 | Home Warranty of America 100,000+ customers | B- | #13 |
| 10 | Select Home Warranty 300,000+ customers | B | #17 |
| 11 | ServicePlus Home Warranty 100,000+ customers | C+ | #18 |
| 12 | Total Home Protection 50,000+ customers | C | #19 |
| 13 | Old Republic Home Protection 400,000+ customers | A- | #2 |
| 14 | Liberty Home Guard 200,000+ customers | A | #12 |
| 15 | AFC Home Club 100,000+ customers | A | #10 |
| 16 | America's Preferred Home Warranty 100,000+ customers | A+ | #1 |
| 17 | Choice Home Warranty 1,000,000+ customers | B | #15 |
| 18 | HSA Home Warranty 200,000+ customers | B+ | #6 |
| 19 | HomeServe 5,000,000+ customers | B+ | #8 |
Source: Company plan documentation, industry reports.
What This Ranking Reveals
This Most Affordable Home Warranty Plans leaderboard is generated directly from the PlainWarranty home warranty dataset — 19 companies ordered by the rank 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 Porch Home Warranty, with #14 on the rank metric.
This ranking orders companies by their advertised annual plan cost ranges, from most to least affordable. Note that the cheapest plan is not always the best value — lower premiums often come with higher service fees, more exclusions, or lower coverage limits. The best value combines reasonable annual cost with comprehensive coverage and low service fees. Always compare the total cost of ownership, not just the annual premium.
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
Why do prices vary so much between companies?
Pricing differences reflect variations in coverage scope, service fee structures, coverage limits, and business models. Some companies offer low premiums but charge $150+ per service call, while others include service fees in higher premiums. Geographic factors also play a role — companies operating in high-cost-of-living states may charge more due to higher repair costs.
Should I always choose the cheapest plan?
No. The cheapest plan often has the most exclusions, lowest coverage limits, and highest service fees. Calculate the total annual cost including likely service calls. A $500/year plan with a $75 service fee and comprehensive coverage may cost less in practice than a $300/year plan with a $125 service fee and many exclusions.
Explore More Rankings
Read our methodology — how this data is sourced, computed, and verified.
Related
Source: State Insurance Departments — Home Warranty Filings Home warranty plan coverage, exclusions, and pricing · 2025