Best Home Warranty Companies for Seniors in 2026

We appreciate the transparency of AFC Home Warranty, established in 2009 and based in Kennesaw, Georgia. Plans are well-explained on their website, and they provide sample terms and conditions for all of their plans.1

Seniors can customize their coverage by selecting from three to four service tiers. In my area on the Gulf coast of Florida, I could choose from the basic Gold, Diamond, or Platinum plans. You can also choose from a comprehensive list of add-ons based on your individual needs, such as coverage for an inground pool and spa or well pump. We like that seniors can customize their coverage this way, and that you can save money by paying for your plan annually.

One highlight of AFC Home Warranty is the ability to pick your own contractors and repair people, with approval. In some cases, you can have your own trusted technicians do the work and submit your claim to AFC Home Warranty. AFC also has a cap of $3,000 per covered item, which is higher than many competitors’ maximum payout per item.

Another plus of an AFC Home Warranty plan is that they will guarantee the parts and service of a repair for the remainder of your policy. Meaning if it breaks again, AFC will send a technician to fix it at no cost to you. This offers more peace of mind once a repair is made, as the industry standard is to cover repairs for only 30 to 60 days.

Pricing

Plan pricing varies based on your location and square footage of your home. You can get a considerable discount if you pay for your plan annually rather than monthly. Your costs will depend on the above-mentioned factors as well as the add-ons you choose, such as coverage for an in-ground pool and spa ($250 annually) or a septic system ($100 per year).

Here are the current plans and pricing we found for a homeowner on Florida’s Gulf Coast:

Platinum 

• Coverage includes kitchen appliances, laundry, electrical plumbing, ceiling and exhaust fans
• Monthly fees depend on whether you choose a service fee of $75 or $125 (charged for each claim you make). A higher service fee means lower monthly payments. So if you pay $125 for each service call, you would pay $82 a month, but paying a service fee of $75 means the monthly rate goes up to around $91, or $1,087 a year. If you pay for a year of service up front, however, total costs go down to $984 per year.

Diamond

• Covers 18 systems and appliances, such as electronics (including smartphones) and exterior water & sewer lines
• $131.67 with a $75 service fee, and $122.75 a month if I opt for the $125 service fee for each claim filed. Annual pricing: $1,326 annually with a $125 service fee; $1,422 with a $75 service fee

Gold 

• Provides basic coverage for 15 systems and appliances, including kitchen appliances, heating and cooling, and plumbing
• $82.25 a month with a $75 service fee and $73.33 monthly with a $125 service fee. Paid annually and with a $125 service fee, you would pay $792 instead of $879.96 if you paid month to month over the year. This is a considerable savings. Annual payments with a $75 service fee would be $888.

Customer Reviews

AFC has a B rating with the Better Business Bureau and a 4.07 customer rating based on 346 reviews. Positive reviews highlight fast claim responses and the ability to hire one’s own technicians. Among some customer complaints are long waits for a service person to evaluate repair needs. Some reviewers also say that payouts can be on the low side for depreciated appliances; however, coverage is more robust for systems and appliances for which manufacturer warranties have expired but the appliance or system is less than 5 years old.

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With headquarters in Memphis, Tennessee, American Home Shield (AHS) has been in business for 55 years. Unlike some competitors, AHS covers breakdowns in systems caused by age, rust, and corrosion. Plans are available in every state except Alaska and Hawaii and cover a broad range of systems and appliances.

Depending on where you live, American Home Shield offers three coverage plans with some customization options. We like that American Home Shield is typically more likely than their competitors to cover items damaged by normal wear and tear, such as rust, or with less-than-perfect maintenance records. American Home Shield's lowest-tier plan doesn’t cover appliances such as dishwashers, garbage disposals, washers and dryers, or refrigerators. Higher-tier plans do, and they also offer the benefit of video consultation calls with a technician.

Pricing

You can choose either a $100 or a $125 service fee per call, and optional add-ons include coverage for roof leaks ($10 a month), electronics ($14 per month), septic pumps ($5 a month), and pool and spa components ($18 a month).

Like AFC Home Warranty, American Home Shield offers three tiers of coverage at different prices:

ShieldSilver

• Covers plumbing, electrical, and heating and air conditioning systems
•  $29.99 a month or $15 a month with a current promotion

ShieldGold 

• Covers systems included in ShieldSilver with 18 additional appliances and a video chat option to discuss repairs with a technician
• $49.99 or $25 a month with a current deal

ShieldPlatinum 

• Covers everything in lower-tier plans as well as leaky roof repairs, one free HVAC tune-up, unlimited AC refrigerant, and coverage for code violations and permits
• $79 a month (Note: 50 percent off promotion not available with this plan)

Customer Reviews

American Home Shield has a 3.6 rating on Trustpilot based on almost 16,000 reviews. Many customers note in their reviews that the technicians sent to diagnose their issues are courteous and knowledgeable and often fix problems in a timely fashion. Many also said the claims process was fast and efficient.  Some American Home Shield customer complaints include long wait times for repairs and reimbursements and denied claims, which is not atypical in the industry.

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Now known as ARW Home, American Residential Warranty was founded in 2008 and is headquartered in Boca Raton, Florida. ARW offers an affordable warranty plan, Kitchen Plus, that covers refrigerators, ovens and stoves, dishwashers, built-in microwaves, garbage disposals, exhaust fans, water heater, and interior electrical systems for just $29.99 a month for new customers.

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We like that you can file a claim with ARW Home day or night, 365 days a year. Further, the company says it will send a licensed technician to diagnose the problem within 48 hours. We also found that customer service reps might be able to adjust your monthly costs, so it’s worth asking for discounts or adjustments over the phone. We appreciate this flexibility, especially for older adults on a budget. In addition to their wide availability across the U.S., ARW Home is more likely to cover older appliances than some of their competitors.

The company states that initial quoted prices are subject to change,2 so seniors should expect that rates will increase after their  first year of service. As with most home warranty companies, you’ll pay a service fee for each call. While we couldn’t verify the confirmed amount,  our research suggests service fees are in line with industry standards of around $100 per call.

Pricing

Plan prices per month vary depending on your location and the specifics of your plan. Generally however, monthly plan fees range from $40 to $85 per month. Keep in mind that, as we noted above, rates might increase when it’s time to renew. New customers can save from $10 to $15 on monthly rates with a current promotion, which is a nice plus. We also appreciate ARW Home’s 30-day money-back guarantee on their plans.

Kitchen Plus

• Covers dishwasher, garbage disposal, microwave, refrigerator, including ice maker, interior electrical system, kitchen exhaust fan, and more
• $39.99 per month ($29.99 for eligible new customers)

Platinum

• Covers appliances in the Kitchen Plus plan, including central air, central heating, and washers and dryers, water heaters
• $64.99 per month ($54.99 monthly for eligible new customers)

Platinum Premier

• Covers everything in the Platinum plan, plus plumbing stoppages, plumbing systems, ductwork, and more
• $85.99 ($69.99 per month for eligible new customers)

ARW also offers specialized plans for electronics, water, and sewer systems.

Customer Reviews

ARW Home has a 4.0 rating on Trustpilot and although not accredited by the BBB, they have an A+ rating (Note: BBB ratings are mainly based on company responsiveness and don’t take customer reviews into account.).

Many positive reviews mention that customer service representatives were friendly and pleasant to deal with. However, some customer complaints range from longer-than-anticipated wait times for an ARW technician and slow refunds after cancellation.

We like that Brooklyn, New York-based Liberty Home Guard, a company founded in 2017, offers three straight-forward and affordable plans — Systems Guard, Appliance Guard, and Total Home Guard — with a robust selection of add-ons. These include unusual coverage options such as powerwashing, TV mounts, guest units, and some types of roof leaks, so you can customize your plan to suit your priorities. We also appreciate that Liberty’s per-appliance coverage limits are generally higher compared with competitors. Like ARW Home, Liberty Home Guard doesn’t specify what customers can expect to pay in service fees.

Liberty Home Guard offers plans in all 50 states. We like that the company provides explicit legal details about their services on their website, which we encourage older adults to read carefully, particularly the indemnification and class action provisions.3 While we appreciate that Liberty Home Guard offers the option of choosing your own repair technician, customers can only do so if the company doesn’t have a technician in their network they can send, for whatever reason. And, as with other home warranty providers that offer this option, only with approval.

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Pricing

Plan quotes for a home in St. Petersburg, Florida, in 2026 ranged from $45 to $55, although online sources cite slightly higher rates of $59 to $69 per month. Your rates will depend upon your location, square footage of your home, and your particular plan, add-ons, and discounts. Liberty Home Guard offers frequent discounts and promotions, including for members of the military and first responders who are members of GOVX, an identity verification platform for government workers and other groups.4

Here are details about Liberty Home Guard plans and pricing:

Appliance Guard

• Covers washers and dryers, dishwashers, garbage disposals, ceiling and exhaust fans, and garage door openers
• $44.99 a month

Systems Guard

• Covers duct work, heating and cooling systems, plumbing, electrical, and water heaters
• $49.99 a month

Total Home Guard

• Covers appliances in the Appliance Guard plan plus water heaters, duct work, heating and cooling systems, plumbing, and electrical systems
• $54.99 a month

Customer Reviews

Liberty Home Guard has  a 4.4 rating on Trustpilot., with online reviewers praising the professionalism and helpfulness of customer service agents. However, some reviewers have said they were given conflicting information that didn’t match up with what they were told by technicians or the claims department. Other negative mentions include service delays and reimbursement concerns, which are typical complaints in the industry.

Choice Home Warranty keeps it simple with either a Basic Plan or Total Plan. The Basic Plan covers much of what is in the more expensive Total Plan except for air conditioning systems, washers or dryers, or refrigerators. You can also choose from a list of add-ons typical of home warranty offerings, such as septic system coverage, pools and spas, and “limited roof leaks.” If you’re particularly concerned about roof leaks in the future, read your terms and exclusions documents carefully; there are many exclusions and the company places a $500 cap on access, diagnosis, and repairs for certain types of roof leaks. We appreciate that Choice Home links to its terms of liability and exclusions on the home page.5

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Overall, we found that coverage is comprehensive for the price, although individual item coverage caps run lower than pricier competitors on our list, such as AFC Home Warranty.

Pricing

As with most home warranty companies, you’ll need to provide information such as your email address, ZIP code, and phone number to receive an online quote. Here are the current plan and pricing options we found in our research:

Basic Plan

We were quoted rates of just under $47 a month for the Basic Plan. There’s also a “monthly fee” charge of $2.50, which is a separate charge from the monthly plan payment. But we were also given a promotional deal that saved us about $6 a month, bringing our actual payment down to $42.92 monthly.

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Paid annually up front, the cost would be $486 for 13 months, which is a savings of about $10 a month. Your costs will depend on where you live, but we’ve found that Choice Home Warranty's pricing seems consistent regardless of location. The Choice Home Warranty service fee is $100 per call, which is in line with the industry standard.

Total Plan 

Our quote was $55 per month, but with a $6.25 a month discount, the total cost (including the “monthly fee”) was just $51.25 per month. A single annual payment of $585 for 13 months would save us $75 per year.

Be aware that you’ll likely have to pay a fee to cancel; if, during your coverage period, Choice Home Warranty spends more servicing appliances or systems in your home than you have paid them, you are responsible for the difference, in addition to a likely $50 administrative fee.6

Customer Reviews

Choice Home Warranty has a 3.9 rating on Trustpilot, a rating that’s based on more than 60,000 reviews as of this writing. The company has a 1.03-star customer review rating on the website of the Better Business Bureau and is not accredited by the organization.

Yet, Choice has numerous positive reviews, with consumers writing that agents were helpful and technicians sent to their homes did good work diagnosing and fixing problems. Among complaints were claim denials, lower-than-expected payouts, and wait times for service.