Best Home Warranties for Seniors in 2020
Our experts have researched 16 home warranties and recommend 10 of the best options for seniors.
| The 3 Best Brands |  |
 |
 |
|---|---|---|---|
| Accolades | Best Overall | Best Value | Best Coverage |
| How to Order |
Top 10 Highest Ranked Home Warranty For 2020
- First American Home Warranty - A premier choice for seniors looking for all around maximum coverage at great rates is First American Home Warranty.
- Old Republic Home Protection - After 40 years in business, Old Republic has become a top home warranty company that offers coverage options for unique home features and smaller devices not covered by many programs.
- Choice Home Warranty - With comprehensive coverage options, Choice Home Warranty is a top contender due to responsive customer service and low annual rates for policies.
- Fidelity National Home Warranty - With 25 years of industry experience and an A+ rating with the BBB, Fidelity offers consistent service at reasonable prices.
- Home Warranty of America - Those seeking a home warranty for unusual or secondary home appliances and systems will find ideal coverage through Home Warranty of America.
- Sears Home Warranty - Sears has a long-standing brand name and offers three home warranty packages that cover more than 20 home systems and appliances.
- Landmark Home Warranty - While only available in Arizona, Idaho, Nevada, Oregon, Texas, and Utah, Landmark is a good program for seniors who live in those states to consider.
- OneGuard Home Warranty - Seniors who reside in Arizona, Texas or Nevada will find that OneGuard’s unique service plans and warranties offer comprehensive coverage options at reasonable rates.
- Select Home Warranty - Seniors seeking value and flexibility will appreciate Select Home Warranty’s affordable and comprehensive plans that keep expensive repair bills at bay.
- TotalProtect Home Warranty - As an established company in the industry, TotalProtect is able to offer unique services and coverage at very reasonable prices.
How We Chose Our Top List
Need quality home warranty coverage? We researched everything from policies and pricing, to service fees, customer service, ease-of-use, value, and more. We did the research so you don’t have to. So if you’re a senior who wants the facts without all the fluff, our top 10 list of best home warranties was tailor-made for you.
-
1. First American Home Warranty
First American Home Warranty has been a leader in the home warranty business for more than 30 years, and is a BBB accredited company with a four-star TrustPilot score. This company provides coverage for a number of home systems and appliances and even offers extended coverage for spas and pools. With 450,000 nationwide customers, First American offers 24/7 service 365 days per year. Seniors will appreciate that First American also offers lower than average service call fees and comprehensive coverage for a reasonable price in a one-year contract.
Pros
- Lower than average service call fees
- Year-round repairs—even on holidays
- Solid comprehensive coverage
- 30-years experience
- Coverage for pools and spas available
Cons
- Does not cover pre-existing conditions or cosmetic damage
- Will not cover damage due to improper installation or maintenance
Pricing
Pricing for First American ranges from $300-500 annually depending on whether one chooses Basic coverage or Premier coverage. While coverage amounts vary by contract, they have higher than standard spending limits compared to other home warranty companies. Customers lock into a 12-month contract and can receive quotes for services online. Costs will vary depending on the region being served.
The Bottom Line
Basic coverage plans with First American primarily protects appliances such as refrigerators and ranges while Premier coverage also offers protection for the home’s primary systems such as electrical, HVAC and plumbing. Supplemental coverage for well pumps, pools and spas can be included at additional cost for Premier package holders. Seniors find this to be an excellent program due to the company’s fast response times, reasonable rates and superior service.
-
2. Old Republic Home Protection
Old Republic is one of the largest home warranty companies in the nation and has been serving customers for more than 40 years. Seniors appreciate Old Republic’s ability to offer comprehensive coverage and round-the-clock claims reporting and processing. Furthermore, they cover most appliances and systems, and they even have options for homeowners looking for coverage for home implements such as pools and spas, roof leaks, ceiling fans, trash compactors and other small home devices.
Pros
- Coverage for less common items like ornamental fountains and salt water equipment
- Customizable plans for more comprehensive coverage
- 24/7 customer service and claims department
Cons
- Contracts are very difficult to cancel
- 30-day waiting period prior to coverage start
- Lower than average benefit limitations of $250 for appliances and $1000 for systems
- Customers are restricted to the company’s contractor network
Pricing
Old Republic offers customers 13-month contracts as a minimum with annual rates falling between $295-500 per year. Pricing ultimately depends on factors such as the home’s location, age, size and condition. More accurate quotes can be obtained online or by calling customer service. Contract cancellation is difficult with Old Republic and requires mutual consent from both parties and there are fees involved.
The Bottom Line
Old Republic Home Protection offers has three home warranty plans: Standard, Platinum and Ultimate. The Standard package protects most appliances and main home systems. With the Platinum and Ultimate plans additional coverages are offered, and customers can customize plans. This is an ideal company for seniors with outdoor implements such as pools, fountains, septic systems. Policies can also cover issues such as roofing leaks and sump pump issues, which are not available from most companies. Those looking for value and convenience should consider Old Republic Home Protection.
-
3. Choice Home Warranty
Choice Home Warranty has been in business since 2008, and they offer two plans to provide homeowners, sellers and agents with an extra bit of protection for their home’s major systems and appliances. Each Choice Home Warranty plan is highly specific, with each plan providing for difference coverages and exclusions. Seniors with older homes will enjoy the fact that there is no pre-inspection required before getting a policy. Furthermore, they will cover any appliance or mechanical system regardless of age as long as it works and is maintained when the policy is purchased.
Pros
- Covers appliances and systems regardless of age
- No home inspection required
- Cash replacement available
- 24/7 customer service
- No annual pay-out cap
Cons
- Basic plan doesn’t include HVAC, refrigerators or washer/dryers
- Coverage on items capped between $500-1500 per service
Pricing
Choice Home Warranty offers a Basic plan and a Total plan. The Basic policy protects heating, plumbing and electrical systems in addition to appliance coverage for built-in microwaves, whirlpool tubs, cooktop stoves and others. The Total plan offers coverage for everything in the Basic package in addition to refrigerators, washers and dryers and air conditioning systems. Plans can be customized to cover appliances and systems including central vacuums, roof leaks, standalone freezers, well and sump pumps, septic systems, pools and spas. Plans start at $370 annually with co-pays of $60 for each service. Customers can cancel within 30 days with a $50 penalty.
The Bottom Line
The shining features of Choice Home Warranty are that they don’t require home inspections and will cover working, properly maintained appliances and systems regardless of age. Seniors with many features they want to ensure are covered will find their customized policies and pricing to be unsurpassed. Customer support and claims processing is available 24/7 online and via phone, making it very convenient to get help right away.
-
4. Fidelity National Home Warranty
Fidelity is a California-based home warranty company that has been in business more than 25 years, and it is one of the most popular programs for seniors due to name recognition and great service. Seniors also appreciate the company’s automated tracking system that allows them to keep track of claims, repair schedules and up-to-date status of processing. While Fidelity offers coverage for some systems and appliances that others don’t, most of these coverages must be added on to the basic policy at additional costs. Furthermore, claims will be denied to due lack of maintenance or improper use.
Pros
- Add-on coverage for specialty items is available
- Automated repair tracking system
- Fewer limitations and more coverage than competitors
- Flexible price structuring
Cons
- No cancellation of contracts by customers
- Basic package offers very limited services
- Diagnostics fees must be paid even if claim is denied
Pricing
The average annual premium for Fidelity National’s home warranty starts at $350, but this won’t include coverage for implements like washers and dryers, refrigerators, AC units, roof leaks, pools or spas. Additional coverage can be purchased when the policy is signed, and this can significantly increase the annual premium. Standard claim costs are $65 and must be paid regardless of whether the claim is approved. However, Fidelity offers a flexible pricing structure that lets consumers choose their services fees, which will also effect the annual plan’s cost.
The Bottom Line
Seniors often choose Fidelity because it’s a name they recognize and trust, and the company has an A+ rating with the BBB. They offer considerably more coverage for specialty items than many competitors, and they have fewer limitations on coverage. While items like refrigerators, air conditioners and laundry implements aren’t included in the standard policy, Fidelity still gives consumers great coverage for what they charge.
-
5. Home Warranty of America
Home Warranty of America has been offering home and appliance warranty coverage for more than 20 years. Headquartered in Lincolnshire, Illinois, this company offers two distinct 13-month warranty plans that cover more than 30 items like doorbells, ductwork, hot water dispensers and smoke detectors that generally aren’t covered by other home warranty providers. Home Warranty of America will also cover secondary appliances, pools and spas and secondary appliances. This plan is popular with seniors who have large homes and a number of secondary appliances or systems like pools or spas. Home Warranty of America has a B rating with the BBB and holds membership with National Home Service Contract Association.
Pros
- 24/7 claims processing
- Approved contractors outside the network may be used
- Flexible cancellation policy
- GreenPlus option for product replacement with energy-Star rated models
- Extensive coverage add-on options included in Premier Plus plan
Cons
- Higher pricing models than most competitors
- No coverage for product maintenance available
- 30 day waiting period for coverage to commence
Pricing
Home Warranty of America offers two plans, the Premier Plan and the Premier Plus Plan, which includes comprehensive coverage for more than 30 items traditionally not covered under home warranties, which explains why the costs are higher than average. The Premier is around $580 per year and the Premier Plus averages $695, but prices will vary depending on region and any additional perks you chose like the GreenPlus plan, which adds $75 annually. Service charges range from $60-100 depending on your plan. Cancellation is easy with Home Warranty of America at any time, but there is a small fee for doing so.
The Bottom Line
With such a vast array of coverage options, a highly flexible cancellation policy and 24-hour claim processing, Home Warranty of America is an excellent choice for seniors. They will cover secondary appliances and pools and even saltwater equipment, and consumers can choose contractors outside the network with prior authorization. The GreenPlus plan allows for products to be replaced with high-efficiency models, so one will save even more on electricity bills. Overall, this is a highly recommended home warranty provider for those seeking extra coverage.
-
6. Sears Home Warranty
Sears Home Warranty offers three distinct warranty plans to meet senior’s needs and offers a workmanship guarantee. The Appliance Warranty plan offers coverage for up to 20 home appliances such as ranges, refrigerators, and washer/dryers. Any appliances Sears cannot fix, they guarantee to replace with a comparable mode. The Systems Warranty covers major systems including plumbing, heating and cooling, electrical, and more. To enjoy all of these benefits, one should opt for the Whole House Warranty. Packages can be customized to include add ons such as pools and spas at an additional cost. In addition to warranty benefits, Sears Home Warranty includes a Shop Your Way discount plan and two preventive heating and cooling checks annually.
Pros
- 24/7 professional support and claims services
- 180-day guarantee for workmanship
- Generous caps of $10,000 per claim and $50,000 annually
- Two complimentary heating and cooling preventive maintenance checks annually
Cons
- More costly than the average home warranty
- Not much experience in the home warranty industry
Pricing
The Sears Appliance Warranty costs $50 per month, and service calls are $75 per visit. The company promises to replace appliances that cannot be repaired, as long as they have been maintained and installed properly. Sears Systems Warranty is $60 per month with a service call fee of $100 per visit. While this plan covers no appliances, it qualifies policyholders for a 25% discount on appliance services and repairs. Sears Whole House Warranty combines both packages for a mere $70 per month and $100 service fees, making it a pretty good deal but still more costly than other competitors. However, Sears Home Warranties have a generous coverage cap of $50,000 annually and $10,000 per claim, which far surpasses others in the industry.
The Bottom Line
Seniors only wanting appliance coverage or systems coverage plans backed by a six-month workmanship warranty, will find the Sears Home Warranty to be a good choice. However, most customers opt for the Whole Home coverage for good measure, especially if the home or systems or somewhat older. Sears covers stated appliances and systems regardless of age and offer two free heating and cooling systems checks with your policy. Additionally, Shop Your Way benefits let policyholders get discounts at Sears, Kmart and certain other retailers.
-
7. Landmark Home Warranty
Landmark Home Warranty has been in business for fifteen years and boasts an A- rating with the BBB. They have been nominated for ‘Best Regional Company’ awards annually since 2012. As a regional company, Landmark currently only offers home warranties to consumers in the states of Utah, Texas, Oregon, Idaho, Nevada and Arizona. What makes this company unique is that each plan includes a pest control program, so seniors won’t need to have a separate contract for those services. Landmark offers fast customer service and uses licensed professional contractors. For what they offer, this company is considered highly affordable industry-wide.
Pros
- No waiting period to make claims
- No home inspections are required
- No maintenance records required for service requests
- Pest control services included
Cons
- Only available in limited states currently
Pricing
Landmark offers two types of policies: a Home Systems plan and a Total Protection Plan. The Home Systems plan covers major systems such as heating, cooling, plumbing, water heaters and pipe leaks. The Total Protection plan covers systems and major appliances such as central vacuums, dishwashers, refrigerators and more. Coverage can be enhanced with customized add ons for additional costs. Currently, the Home Systems Plan averages $35 monthly, and the Total Protection Plan averages $55 monthly. Deductibles for repairs will vary between systems and appliances and range from $60-100 per service.
The Bottom Line
Seniors with older homes or appliances will appreciate that Landmark Home Warranty requires no inspections or maintenance records and also that they include pest control and management with every policy. The prices are highly affordable, and they use professional contractors licensed in the areas they serve. They have highly-rated customer support and there’s no waiting period for coverage to begin. Seniors who live in the states of Utah, Arizona, Idaho, Nevada, Oregon, and Texas should give Landmark a good look when seeking a home warranty company.
-
8. OneGuard Home Warranty
This Arizona-based company has been in business providing home warranty and service plans since 1990. OneGuard Home Warranties & Service plans has a limited service range and only offers policies to customers in Arizona, Texas and Nevada at this time. They have a solid A+ rating with the BBB and are a well-established enterprise offering premium services at a reasonable rate with customized and set-rate packages. In addition to appliance, systems and combination packages, OneGuard can be customized to also cover items such as window cleaning, system tune-ups, carpet cleaning, re-keying, pest control, home security systems and monitoring services.
Pros
- Short 10-day waiting period
- Offers unusual services like window cleaning, pest control and home security
- No inspection required to get a policy
- Offers system tune-ups for policy holders
- 365/24/7 service line
Cons
- Maintenance records or inspection record required for claims
- Only available in Texas, Nevada and Arizona
- In-network contractors only
- No guarantee that customers are contacted within a certain time by contractors
Pricing
OneGuard offers a Systems plan and an Appliance Plan that average between $379 to $399 annually for basic services. These lower priced policies let seniors pick and choose what they want to cover most without upgrading to the premium Combo Plan that averages around $699 per year. However, this includes both coverage plans in addition to washer/dryers and refrigerators. Service calls typically cost policyholders $69 per appliance, system or service per call.
The Bottom Line
OneGuard has a better reputation with consumers than most competitors, and the unique features of the policies like re-keying and pest control and cleaning services make it a standout with seniors seeking convenience. They also have an easy cancellation policy and use a reliable network of professional contractors. While policies are only available in Texas, Nevada and Arizona, it’s worth looking into OneGuard Home Warranties if you reside in their service range.
-
9. Select Home Warranty
Accredited with the BBB at a B rating, Select Home Warranty is somewhat of a newcomer to the game. However, they offer comprehensive packages designed to fit any budget and need. Select offers three levels of coverage: Bronze, Gold and Platinum Care. The Bronze plan covers basic appliances and the Gold Plan covers repairs to the home’s major systems like electrical, heating and cooling. The Platinum packages covers both systems and appliances, making the best choice for seniors looking for an all-in-one home warranty solution. Additional coverage can be purchased for pools, sprinkler systems, spas, roof leaks and other items not covered under packages.
Pros
- No home inspection required
- No service call caps or annual caps on repair amounts
- Covers appliances and systems regardless of age
- 24/7 claims service
Cons
- 30 day waiting period required
- Maintenance records required when claims are made
Pricing
Select Home Warranty is arguably one of the best deals for homeowners on a budget, as their packages start at $27 and go up from there depending on the coverage level chosen. Service fees start at $45 and Total Protect has a relatively easy cancellation process. They also offer promotions on occasion such as offering $200 discounts on plan prices or offering customers free service for a few months. Occasionally, they offer free roof coverage to new customers, so enrolling during a promotion is wise.
The Bottom Line
Seniors looking for multiple package options for home warranties at great rates should give Select Home Warranty a hard look, as it’s known for value and flexibility concerning coverage. They don’t require pre-inspections, but be aware that like many competitors you will need to show maintenance records should an appliance or system require repair or replacement. Another bonus is that Select will cover appliances and systems of any age, model or brand as long as they work at the time of policy purchase.
-
10. TotalProtect Home Warranty
TotalProtect Home Warranty has been around a number of years and is accredited by the BBB with a B rating currently. They have a solid reputation for being a reliable company that provides adequate protection for consumers at reasonable rates. With packages that allow for only appliance coverage, packages for major systems only, and combination packages of both, there is an ideal option for most seniors. The combination plan includes a number of perks such as homeowner’s insurance discounts, spa and pool coverage and rust and corrosion protection. TotalProtect is available in all states except Hawaii, and they have one of the highest coverage limits in the market up to $10,000. Seniors looking for maximum coverage from a reputable company will want to consider TotalProtect.
Pros
- No inspections required when policy is purchased
- No annual aggregate caps
- Work is guaranteed for 180 days
- Customer service available 24/7/365
Cons
- Must use in-network service providers
- Exclusions in policy are somewhat vague
Pricing
The lowest level of coverage is the Silver Appliance Plan that costs $31.95 per month, and it will cover common household appliances as dictated in the policy. The Gold Systems Plan costs $40.95 per month and covers the homes major systems such as heating, cooling, plumbing and electrical. The Platinum Combo Plan costs $54.95 monthly and combines both the systems coverage and appliances plans and includes additional perks like homeowner insurance discounts and others. Prepare to pay anywhere between $36 and $240 for optional coverage extensions. Service calls range from $100-125 per repair.
The Bottom Line
TotalProtect Home Warranty is ideal for seniors on a budget who are concerned about the high cost of appliance and system repairs. This is ideal for those living in an older dwelling or who have older appliances getting ready to conk out. TotalProtect has a good reputation compared to similar companies, and they use a skilled network of technicians and 24/7 claims services. Because their exclusions are vague, be sure to clarify them before enrolling.
What is a Home Warranty?
A home warranty is like a secondary bit of coverage for your home beyond home insurance. Rather than covering your home’s structure itself, a home warranty helps provide a form of protection for common home appliances and major systems. Homeowners understand just how costly a new HVAC system or refrigerator can be, and repair prices today can often exceed an appliance or system’s value.
With a home warranty, policyholders can make one call and be connected to customer service. The company will then find an appropriate technician (typically on their network of providers) and they will dispatch them to the home to assess your issue. In addition to the price of policies, there is a fee for each service call that homeowners are responsible for on top of any costs not covered under their policy.
Why are Home Warranties a Good Investment for Seniors?
For most seniors, their home is their most valuable investment and upkeep and maintenance is a priority. However, seniors may not have the time, skills or desire with taking care of finding repair persons for their appliances and systems, which is a huge benefit of home warranties. When one considers that the life expectancy for most appliances and major home systems is about a decade, having a backup plan such as a home warranty can be a lifesaver. Seniors on a budget will benefit most by investing in a home warranty, because it can help them avoid costly expenses in the future.
How Much Do Home Warranties Cost?
Home warranties have a wide range of costs that may depend on the condition of the home, the age of your home’s systems and appliances and other factors if a home inspection is required before signing a policy. However, many policies that offer basic coverage starting at $30-50. Policies that offer more comprehensive coverage such as both appliances and major systems can cost between $50-75 per month. Those who have pools, spas, sprinkler systems, wells, sump pumps and more complex items they want to cover can often purchase add ons at an additional cost. Depending on what is being covered, this can range between $35