Home warranties in Florida
RegulatedIn Florida, home warranties are regulated and providers must be licensed. 17 of the companies we track operate here.
Warranty registry plate
Sheet FL · Florida 17 cos. · #14/51
- REG-YES Regulated
- LIC-REQ License required
- RANK-UPPER #14/51
- PHOTO-FINISH ±0 cos.
- COST-PAR ~$500/yr
- DESK-OPEN Filing desk open
- OWN-MID 66.2% owners
- BOOK-FULL 7/7 fields
Nearest inventory peer: Georgia (+ 0 tracked companies)
Instrument codes from this state’s regulation posture, licensing, inventory rank, peer gap, advertised plan cost, complaint desk, homeownership, and registry book, not a moving recommendation.
Where Florida sits on company inventory
Lowest/highest poles plus states nearest Florida on tracked company inventory. Full ladder: /states.
Nationwide states with similar plan cost or homeownership
Peer states for Florida ranked by tracked issuer inventory first; advertised plan cost and Census homeownership fill the second column when present.
Closest match: average annual plan cost
Nearest advertised annual costs ($500 here).
Similar homeownership rate
Nearest Census homeownership rates (66.2% here).
State-regulated market
What this means for you: Florida regulates home warranties, so you can escalate an unresolved dispute to a state regulator that can investigate, fine, or revoke a provider's license, generally your strongest recourse.
Consumer protections in Florida
Regulated by Office of Insurance Regulation. Companies must be licensed and maintain reserves. Fla. Stat. 634. Strong consumer protections including 60-day cure period.
File a complaint in Florida: https://www.myfloridacfo.com/division/consumers/needourhelp
Who covers Florida
| Company | Reliability |
|---|---|
| HomeServe | 96A |
| Liberty Home Guard 2 of 3 signals | 88A |
| America's Preferred Home Warranty | 87A |
| AFC Home Club | 79B |
| Cinch Home Services | 74B |
| First American Home Warranty | 73B |
| American Home Shield | 64C |
| Choice Home Warranty | 63C |
| Home Warranty of America | 63C |
| Fidelity National Home Warranty | 62C |
| 2-10 Home Buyers Warranty | 60C |
| ServicePlus Home Warranty | 60C |
| Select Home Warranty | 57C |
| First Premier Home Warranty | 54D |
| Total Home Protection | 46D |
| HSA Home Warranty 1 of 3 signals | 30F |
| Porch Home Warranty 1 of 3 signals | 10F |
Ranked by Reliability Score. Availability is based on each company's published service area and may change. Scores blend Better Business Bureau ratings/reviews with Trustpilot scores, see methodology.
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: Liberty Home Guard: BBB reviews and Trustpilot only (BBB profile not rated); HSA Home Warranty: Trustpilot only (BBB profile not rated, 1 BBB review); Porch Home Warranty: BBB rating only (0 BBB reviews, 2 Trustpilot reviews). How the score is built.
State-regulated market
Florida in the lower-cost third
Florida regulates home-warranty contracts; unresolved disputes can escalate to a state regulator that can investigate or revoke a license.
Florida sits in the lower advertised-cost third (~$500/yr) and is regulated. 17 tracked issuers list here; homeownership about 66.2%. Lead Reliability Score: HomeServe (96/100).
Compare the Reliability Score table for issuers listing Florida, then open each company card for plan-tier coverage and BBB/Trustpilot sources.
Population and homeownership figures: U.S. Census Bureau, American Community Survey →. Read our methodology - how this data is sourced and computed. According to PlainWarranty's corpus ranking, Florida ranks #14 of 51 states by tracked home-warranty company inventory. How we place states.
Source: Florida Department of Insurance / Attorney General Home-warranty regulation, licensing, and complaint-filing channel · 2026 State population and homeownership: U.S. Census Bureau, American Community Survey. Company reliability: BBB & Trustpilot.