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7 Best Home Warranty Companies in Arizona for 2023
By Susan Doktor MONEY RESEARCH COLLECTIVE
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- Online Business Bureau Accredited with A+ Rating
- Covers Major Home Systems, HVAC & Appliances
- Free Roof Coverage, No Inspection Needed
24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
Get $50 OFF Any Plan
- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
Experts advise that you can plan ahead for the cost of repairs in your home by budgeting one 1% to 4% of your home’s value per year. That’s a tidy sum. But it does include both routine maintenance and the cost of repairing or replacing your home’s systems and appliances.
Some homeowners turn to home warranties to help them offset the cost of maintaining their homes in top condition. Home warranties do not cover routine maintenance like having your gutters cleaned, but they do help pay for unexpected repairs and breakdowns in your home.
Home warranties are complicated contracts. The aim of our guide is to help you understand how they work and to help you choose the best home warranty plan for your particular home and budget. We’ve researched many home warranty companies and home warranty plans to come up with the best Arizona warranties.
All prices quoted are for a single-family home under 5,000 square feet in Flagstaff. For all quotes, we elected the highest deductible offered by the company.
Table of Contents
- Our Top Picks for Best Home Warranty Companies in Arizona
- Guide to the Best Home Warranty Companies in Arizona
- Best Home Warranty Companies in Arizona FAQs
- How We Choose the Best Home Warranty Companies in Arizona
- Summary of Our Guide to the Best Home Warranty Companies in Arizona
Our Top Picks for Best Home Warranty Companies in Arizona
- American Home Shield
- Liberty Home Guard
- Select Home Warranty
- Choice Home Warranty
- America’s First Choice Home Club
- First American Home Warranty
- Cinch Home Services
American Home Shield
- Over 50 years of experience
- Shield Platinum includes up to $6,000 per appliance replacement coverage
- Poorly maintained appliances eligible for coverage
- No limits on systems coverage
- Free hauling of irreparable appliances
- No appliances-only plan available
- Relatively high premiums
| Plan name | Plan cost |
| ShieldSilver | $39.99 |
| ShieldGold | $59.99 |
| ShieldPlatinum | $89.99 |
American Home Shield plans stand out for having fewer exclusions than other home warranty plans. For example, while many companies will only cover repairs that are due to normal wear and tear, AHS will cover appliances that have been poorly maintained. That’s important for new homeowners who may not have maintenance records for the appliances in the home they’ve purchased.
The company also offers robust coverage on appliance replacement. Depending on the plan you choose, you may have up to $6,000 in appliance coverage. If your kitchen and laundry room features high-end appliances, those high limits can come in very handy.
AHS offers separate coverage for major home systems. But it doesn’t offer an appliances-only plan. For homeowners who feel confident that their home systems are in good repair, that may be a deal-breaking factor. But the company’s ShieldGold plan includes coverage for a wide range of appliances, including refrigerators, ranges, cooktops, ovens and built-in microwaves, washers and dryers, garbage disposals and instant hot water dispensers. The ShieldGold plan also covers major systems, including electrical, plumbing, cooling and heating systems and water heaters. For a plan that costs $59.99, that’s pretty extensive coverage.
The ShieldPlatinum plan covers everything in American Home Shield’s less expensive plans, then goes on to cover limited roof leak repairs, HVAC tune-ups, coverage for repairs due to code violations, and unlimited refrigerant top-ups. HVAC tune-ups alone can cost up to $200. If maintaining your home is a top priority, this plan feature alone might make the ShieldPlatinum plan worthwhile.
The company also offers optional coverage for your home electronics, pool or spa, septic system, and well pump. If you have a guest unit on your property, you can also buy separate coverage for it. The ability to customize a home warranty plan to suit a home’s unique features is something that distinguishes the best home warranty companies.
Liberty Home Guard
- Three plans to suit your home's features and budget
- Systems-only, appliances-only and combo plans available
- Customize your plan with additional coverage options
- Get your questions answered through online chat
- Low systems coverage cap ($2,000 per system)
- Only one deductible option
| Plan name | Plan cost |
| Appliance Guard | $49.99 |
| Systems Guard | $54.99 |
| Total Home Guard | $59.99 |
Liberty Home Guard offers three customizable plans, including separate plans for systems and appliances. The company’s Appliance Guard plan covers the most important and expensive appliances in your home, including refrigerators, cooktops, ranges and stoves, clothes washers, dryers, and built-in microwaves. It also covers less expensive but still common items, like garage door openers, garbage disposals and ceiling fans.
Liberty Home Guard’s System Guard plan covers heating systems (including ductwork) electrical systems, plumbing systems and water heaters.
Liberty Home Guard’s Total Home Guard plan offers comprehensive coverage for both systems and major home appliances. It covers everything in its appliance systems plans and adds in air conditioning.
Liberty Home Guard stands out for its wide range of optional coverages. The company lists an astounding 42 add-on options. Some add-ons relate to maintenance chores you may not have time or the inclination to worry about, including carpet cleaning, window cleaning, gutter cleaning, and power washing of your home’s exterior. You can also buy separate coverage for both free-standing and built-in ice makers, stand-alone freezers and sump pumps.
Liberty Home Guard charges modest premiums for each of its plan options. Customers don’t, however, have the ability to choose their deductibles. Liberty Home Guard’s standard service call fee is on the high side ($125). That steep service call price may balance out its lower premiums. It all depends on how many times you file a home warranty claim over the course of your contract.
Select Home Warranty
- Offers systems-only, appliances only and combination plans
- Septic protection available as add-on coverage
- More than 10,000 contractors nationwide
- Affordably-priced whole-home coverage
- Service call fees not specified on website
- Constant texts, phone calls and emails when you request a quote
| Plan name | Plan Cost |
| Bronze | $44.42 |
| Gold | $42.43 |
| Platinum | $47.75 |
Select Home Warranty offers customers the flexibility to choose the precise coverage they need, with options for systems-only, appliances-only or whole home protection.
The Platinum plan is one of the most affordable comprehensive coverage plans we’ve seen.
However, it is challenging to assess the value of its plans since the company does not disclose the service call fee on their website. High deductibles may significantly increase the true cost of coverage.
We have to call out Select Home Warranty for its marketing techniques. Once you enter your contact information — which is required when you request a free quote—, the company follows up with endless attempts to contact you by phone, text and email. Our reviewer had to block the company on its electronic devices to get out from under the company’s relentless sales techniques.
Choice Home Warranty
- First month free with purchase
- Two combination plans to choose from
- Both plans covers a wide range of system and appliance breakdowns
- Some discounts available
- No separate coverage for systems of appliances
- Single deductible option
| Plan name | Plan cost |
| Basic plan | $46.83 |
| Total plan | $54.75 |
Choice Home Warranty offers two combination systems-and-appliances plans — Basic and Total — and only one deductible option, so customers don’t have as many choices as they do under some competitive plans. But Choice Home Warranty’s Basic plan, at $46.83 per month, is relatively affordable and may suit your needs if you’re on a tight budget. The Basic plan covers some, but not all, common appliances. You’ll get coverage for cooktops, ovens and built-in microwaves, dishwashers and garbage disposals. Refrigerators, clothes washers and dryers are not covered under the Basic Plan. The plan also covers heating, electrical, and plumbing systems and water heaters, but excludes air conditioners and air conditioning systems.
Choose the company’s Total plan and some of the blanks in the Basic plan are filled in. The Total plan offers coverage for washers and dryers. It also covers your all-important air conditioning system — a must whether you live in the heart of Phoenix or in a small town like Concho. The Total plan also offers more systems coverage.
Like most home warranty companies, Choice Home Warranty allows you to customize your coverage with optional items for an additional fee. These include pools and spas, second refrigerators, sump pumps, central vacuuming systems and stand-alone freezers.
In our estimation, Choice Home Warranty’s Total Plan offers greater value than its Basic plan. For only $8 more per month, it covers more essential appliances and the air conditioning system you rely on in Arizona’s hot climate.
America’s First Choice Home Club
- Offers separate plans for major home appliances and systems
- Choose your deductible, starting at $75
- Publishes sample contract on website
- No microwave coverage in appliances-only plan
| Plan name | Plan cost |
| Silver plan | $39.50 |
| Systems plan | $47.00 |
| Gold plan | $54.58 |
| Platinum plan | $59.67 |
AFC Home Club offers four plan options to allow homeowners to get the specific coverage they need. Premiums for their Silver plan, which covers appliances only, are among the most reasonable we’ve found. And it offers excellent appliance coverage that includes refrigerators, clothes washers, ovens, ranges, cooktops, dishwashers, garbage disposals and garage door openers. Surprisingly, it doesn’t cover built-in microwaves, which are standard in many competitive appliance plans.
For built-in microwave coverage, you’ll have to choose the company’s most expensive Platinum plan, which covers up to 18 home systems and appliances.
AFC Home Club gives homeowners the option of selecting a service call fee of $75, $100 or $125. We give home warranties points for offering that kind of flexibility.
AFC Home Club also offers optional coverage for 11 items, including home electronics, inground pools and spas, septic systems, double ovens, stand-alone freezers, central vacuums and more.
The company also offers discounts for customers who sign up for a 3-year plan.
First American Home Warranty
- Customize your deductible ($75, $100 or $125)
- Sample contract published on website
- Ductless mini-split system protection available with some plans
- No appliances-only or systems-only coverage available
- Starter plan doesn't cover as many items than competitive basic plans
- Few add-on coverage options
| Plan name | Plan cost |
| Starter plan | 42.00 |
| Essential plan | $52.00 |
| Premium plan | $67.00 |
First American Home Warranty offers homeowners a choice of three plans, all of which cover a combination of systems and appliances.
Premiums for the company’s Starter plan are affordable when compared to other combo plans, but actual coverage is limited. The Starter plan doesn’t include coverage for laundry appliances, nor for air conditioning systems, which are pretty much staple in Arizona homes. But it does cover other basics like heating, plumbing and electrical systems. Water heaters, another critical feature of your home, are not covered under the Starter plan.
Coverage begins to fill out once you choose either First Home Warranty’s Essential or Platinum plan. Clothes washers and dryers and garbage disposals are covered, as is air conditioning. Both plans include coverage for ductless mini-split systems, which are an increasingly popular, energy-efficient HVAC solution. Window air conditioners are also covered.
First Home Warranty offers homeowners the freedom to set their preferred deductible at $75, $100 or $125. The company also offers eight optional coverages, which include pools and spas, septic systems, well pumps and more.
Cinch Home Services
- Industry-leading 180-day workmanship guarantee
- Low starting prices for all plans
- Three deductible choices starting at $100
- Homeowner's insurance deductible reimbursement up to $500
- Deductible choices are on the high side
- Fewer additional coverage options than some plans
| Plan name | Plan cost |
| Appliances plan | $27.99 |
| Built-in systems plan | $32.99 |
| Complete Home Plan | $39.99 |
Cinch Home Services offers three plans for homeowners to choose from: a systems-only plan, an appliances-only plan and a combination plan. All of its plans stand out for low starting monthly premiums. But to pay the lowest prices, you must select a plan with a rather high $150 deductible. The company does offer homeowners the opportunity to customize their service call fee. With lower service call fees, premiums do increase, but even when you choose the lowest deductible, Cinch’s three protection plans are still very reasonably priced..
Customers whose homes include a lot of special features may not find exactly what they’re looking for in Cinch’s selection of add-on coverage. The company’s list of additional coverable items is comparatively short and only includes pools and spas, septic tanks, well pumps and repairs due to code violations.
Cinch offers a couple of unusual benefits. The first is its very generous workmanship guarantee. If a technician makes a repair in your home, the work is guaranteed for a surprising 180 days. Most home warranty companies’ workmanship guarantees don’t measure up. Some are as short as 30 days. Short workmanship guarantees can lead to a customer making multiple service call requests. Repair costs for a particularly troublesome appliance can easily wind up costing hundreds of dollars when a technician’s work is barely guaranteed. In practice, Cinch’s 180-day guarantee can be a real money saver.
In addition, should you make a claim for a home repair that results from a covered issue under your homeowner’s insurance — such circumstances are common — Cinch will reimburse you for a portion of your homeowner’s insurance policy deductible, up to $500. That reimbursement clause alone can cover the entire cost of a Cinch Home Services plan.
Our Guide to Best Home Warranty Companies in Arizona
Main things to know before purchasing a home warranty in Arizona
A home warranty is a contract between a homeowner and a home warranty company that covers the repair or replacement of certain systems and appliances in a home. These contracts are generally issued for a year. When homeowners have an issue with a covered home system or appliance, they file a claim with their home warranty company. The home warranty company will dispatch a contractor to the home to diagnose and repair a problem if it is covered under the specific terms and conditions of the contract. Homeowners are responsible for paying a service call fee (also called a deductible) and the home warranty company pays the rest.
What does a home warranty cover in Arizona?
There’s no simple answer to that question. It all depends on the plan you select. You can opt for separate coverage for home systems or appliances, or a plan that covers a mix of both. Home warranty companies vary in what they exclude from their policies. They also place coverage limits on their plans: the maximum dollar amount they’ll pay for the repair or replacement of any single appliance or system in your home. All of these details are contained in the home warranty contract. Be sure to read your policy limitations carefully before choosing a home warranty plan.
How much does a home warranty cost in Arizona?
Appliances-only plans are usually the least expensive plans. Costs range from the mid-thirties to the mid-forties per month. Systems plans are slightly more expensive, usually starting in the mid-forties. Combination plans cost the most because you’re getting the benefits of both systems and appliance coverage. Your monthly premiums will be influenced by the deductible you choose, as well.
Who regulates home warranty companies in Arizona?
In Arizona, home warranties are regulated by the Arizona Department of Insurance.
Best Home Warranty Companies in Arizona FAQs
Is a home warranty required in Arizona?
How do I cancel a home warranty in Arizona?
What are the exclusions for home warranty in Arizona?
You'll have to read the fine print of your home warranty contract to find out.And it's important that you do. For example, some companies advertise plumbing system coverage but plumbing stoppages are not included. Some companies exclude pre-existing conditions.
Knowing your coverage limits and exclusions can help you decide whether a specific home warranty is a good value. Many companies make sample contracts available on their websites. If you're considering a plan from a company that doesn't, be sure to request a copy of the policy's terms and conditions before you sign a contract.
How long does a home warranty last in Arizona?
What is the service fee for a home warranty in Arizona?
When is the best time to buy a home warranty in Arizona?
How We Choose the Best Home Warranty Companies in Arizona
We used the same methodology to evaluate all of the companies in our Guide to the Best Home Warranty Companies in Arizona. Plans that offer a range of base plans, including plans that cover major appliances, system plans and plans with whole home comprehensive protection rated highly with us. Appliance plans that cover both laundry room appliances and a full range of kitchen appliances got extra points, as did systems plans that cover both heating and air conditioning.
We looked for companies that give customers the most freedom, such as those that offered customers a chance to customize their deductibles and choose from a wide range of add-on coverages. The customer experience home warranty companies offered on their websites was also a factor in our evaluation. We excluded companies that didn’t offer free quotes and an easy way to compare coverage across plans.
Summary of Our Guide to the Best Home Warranty Companies in Arizona
Arizona homeowners have a dizzying array of home warranty providers and plans to choose from. There’s a real upside to that: chances are, you’ll be able to match your home warranty coverage to your home’s unique features and find a plan that works within your budget, too. The downside is that you’ll have to do a fair amount of homework to find the plan that delivers the most value. Every company we reviewed offers homeowners the chance to get a free quote and compare plan coverage. Some publish a sample contract, which can help give you a more complete picture of what you’re signing up for. Our Guide to the Best Home Warranties in Arizona is a great starting point. But for best results, do your homework and dig into the details of every plan you’re considering. Home warranty plans can be a great investment, if only for the peace of mind they offer.
