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If you’re a Florida resident, a home warranty can cover your home’s most important appliances and systems, such as your refrigerator and air conditioning, when they break down due to normal wear and tear. Not only will a home warranty make repairs more affordable, but having a home protection plan will prevent you from having to find a reliable contractor on your own to perform the necessary repairs since most home warranty companies have a network of trusted technicians.

In this article, we analyzed the best home warranty providers in the industry, analyzing them on factors such as coverage, cost and customer service. All cost information is based on sample quotes for a single-family Florida home under 5,000 square feet. Whether you live in Jacksonville, Tampa or Miami, keep reading for our top home warranty picks.

In This Article:

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.

Best Overall: American Home Shield

Quick Take

Founded in 1971, American Home Shield (AHS) is one of the oldest home warranty companies in the U.S. and has grown its coverage network to include 49 states, including Florida. American Home Shield’s three comprehensive coverage plans, extensive network of contractors and service call fee flexibility make it our top overall pick for a home warranty.

Pros & Cons

Pros Cons
Offers three flexible service fees of $75, $100 and $125 Plans start at a higher price than many competitor plans
Provides coverage for items that are damaged due to rust and corrosion Its workmanship guarantee is only good for 30 days
Covers unknown pre-existing conditions on systems and appliances

Plans & Coverage

American Home Shield offers three coverage plans: ShieldSilver, ShieldGold and ShieldPlatinum. The ShieldSilver plan covers 14 items, such as your air conditioner, heater and ductwork. The ShieldGold plan covers 23 items, including your refrigerator, dishwasher and electrical system. The ShieldPlatinum plan covers the same 23 items in the ShieldGold plan, but it also covers a free HVAC tune-up and roof leak repairs.

In addition to these three plans, American Home Shield offers optional add-on coverage for your pool and spa, guest unit under 750 square feet, well pump, septic pump and electronics.

Here’s a coverage breakdown of each American Home Shield plan:

Coverage ShieldSilver ShieldGold ShieldPlatinum
Roof leak repairs     ?
Air conditioner ? ? ?
Heating unit ? ? ?
Ductwork ? ? ?
Built-in exhaust, vent and attic fans ? ? ?
Main breaker and fuse panel box ? ? ?
Doorbells and chimes ? ? ?
Interior electrical lines ? ? ?
Ceiling fans ? ? ?
Garage-door openers ? ? ?
Interior plumbing lines ? ? ?
Toilets ? ? ?
Faucets and valves ? ? ?
Whirlpool tub motor and components ? ? ?
Water heater ? ? ?
Refrigerator   ? ?
Range/Cooktop   ? ?
Oven   ? ?
Dishwasher   ? ?
Built-in microwave oven   ? ?
Garbage disposal   ? ?
Instant hot/cold water dispenser   ? ?
Clothes washer   ? ?
Clothes dryer   ? ?


American Home Shield’s plans range from $24.99–$64.99, with the price depending on the plan you select and the service fee you choose. If most systems and appliances in your home are new and made by trusted brands, then a higher service fee might make sense for you since it’s less likely that your items will break down. However, a lower service fee could be the right option for a homeowner whose systems and appliances are aging, with the expectation that they could soon break down due to wear and tear over time.

Here’s a monthly price breakdown for each American Home Shield plan based on each service fee:

Plan $75 Service Fee $100 Service Fee $125 Service Fee
ShieldSilver $39.99 $29.99 $24.99
ShieldGold $49.99 $39.99 $34.99
ShieldPlatinum $64.99 $54.99 $49.99

Get a Free Quote

Get a free quote from American Home Shield by completing this easy online form or by calling 844-529-9298.

Best For Aging Homes: Choice Home Warranty

Quick Take

Choice Home Warranty is another provider servicing Florida residents and is our top choice for people with older homes since it doesn’t require a home inspection before coverage kicks in and provides a 90-day repair guarantee. Choice also doesn’t deny coverage based on the age of your home.

Pros & Cons

Pros Cons
Doesn’t deny coverage based on the age of your home or the age of your covered items Isn’t available in California or Washington
Offers nine optional coverage items Doesn’t allow customers to choose their own technician
Has affordable plans compared to some competitors

Plans & Coverage

Choice offers a Basic Plan and a Total Plan. The Basic Plan covers 14 systems and appliances, including your heating system and dishwasher, while the Total Plan covers everything in the Basic Plan and adds coverage for your air conditioning, refrigerator, clothes washer and clothes dryer.

Choice also offers optional coverage for the following items:

  • Pool/Spa
  • Limited roof leaks
  • Stand-alone freezer
  • Central vacuum
  • Second refrigerator
  • Well pump
  • Sump pump
  • Septic system
  • Septic tank pumping

Here are the items covered under Choice’s core plans:

Coverage Basic Plan Total Plan
Heating system ? ?
Electrical system ? ?
Plumbing system ? ?
Plumbing stoppages ? ?
Air conditioning   ?
Water heater ? ?
Whirlpool bathtub ? ?
Refrigerator   ?
Oven/Range/Stove ? ?
Cooktop ? ?
Dishwasher ? ?
Built-in microwave ? ?
Garbage disposal ? ?
Clothes washer   ?
Clothes dryer   ?
Ductwork ? ?
Garage-door opener ? ?
Ceiling and exhaust fans ? ?


When we requested a quote from Choice Home Warranty, we were quoted $46.83 per month for the Basic Plan and $54.75 per month for the Total Plan. Choice charges an $85 service call fee with both plans.

Plan Cost
Basic Plan $46.83 per month
Total Plan $54.75 per month

Get a Free Quote

To get a free quote from Choice Home Warranty, fill out this simple online form or call 929-400-6165.

Best For Value Shoppers: Select Home Warranty

Quick Take

Since 2012, Select Home Warranty has offered comprehensive coverage for a lower price than most of its competitors. One perk of Select Home Warranty is its free roof leak coverage, which can be beneficial to Florida residents and protect them from leaks during the rainy season. Many home warranty companies offer roof leak coverage only as an add-on option or don’t offer it at all.

Pros & Cons

Pros Cons
New customers can get two months free when signing up for a plan Has low coverage caps compared to most competitors
Offers some of the most affordable plans in the industry Charges repeat service fees if a technician has to come back to make another repair
Provides 24/7 customer service

Plans & Coverage

Select Home Warranty offers three coverage plans: Bronze Care, Gold Care and Platinum Care. The Bronze Care plan covers appliances, such as your dishwasher and refrigerator, while the Gold Care plan covers home systems, such as your air conditioning and plumbing system. The Platinum Care plan covers everything in the Bronze Care and Gold Care plans and provides additional coverage for garage-door openers and plumbing stoppages.

Select also offers the following eight add-ons:

  • Central vacuum
  • Lawn sprinkler system
  • Pool
  • Spa
  • Septic system
  • Stand-alone freezer
  • Sump pump
  • Well pump 

Here’s what’s included under each Select Home Warranty plan:

Coverage Bronze Care Gold Care Platinum Care
Air conditioning   ? ?
Ductwork   ? ?
Electrical system   ? ?
Heating system   ? ?
Plumbing system   ? ?
Water heater   ? ?
Cooktop ?   ?
Dishwasher ?   ?
Garbage disposal ?   ?
Built-in microwave ?   ?
Refrigerator ?   ?
Stove/Oven ?   ?
Clothes washer ?   ?
Clothes dryer ?   ?
Garage-door openers     ?
Plumbing stoppages     ?


Select Home Warranty has some of the most affordable plans in the industry, ranging from $41–$47 per month. The company also charges a $75 service call fee, which is on the low end of the industry average of $65–$125.

Plan Cost
Bronze Care $41.00 per month
Gold Care $41.00 per month
Platinum Care $47.00 per month

Get a Free Quote

Receive a free quote from Select Home Warranty by completing this simple online form or by calling 888-370-3956.

Shortest Waiting Period: The Home Service Club

Quick Take

The Home Service Club (HSC) is another home warranty provider that could be a good option for Florida residents. The Home Service Club has a 10-day waiting period after you sign up for coverage, while most providers have a 30-day waiting period. This is beneficial if you need quick coverage for your systems and appliances.

Pros & Cons

Pros Cons
Offers a 30-day labor guarantee and 90-day parts guarantee Has a high service fee of $95
Available in 49 states, excluding Wisconsin Has a C rating on the Better Business Bureau (BBB)
Provides a variety of optional coverage items

Plans & Coverage

The Home Service Club offers the Standard Coverage plan, which covers 16 items including your garbage disposal and heating system, and the Comprehensive Coverage plan, which covers a total of 31 systems and appliances.

The Home Service Club also offers add-on coverage to protect miscellaneous items in and around your home, such as your pool, water softener and well pump. Here’s a full list of optional add-on coverage provided by The Home Service Club:

  • Sprinkler system line coverage
  • Freestanding freezer
  • Refrigerator built-in units with dual compressors
  • Well pump
  • Water softener
  • Jetted bathtub
  • Roof coverage
  • Pool and spa equipment
  • Spa and spa heater
  • Sewage ejector pump
  • Utility and home service line coverage

Here are the items covered by each HSC plan:

Coverage Standard Coverage Comprehensive Coverage
Air conditioning ? ?
Alarm wiring   ?
Ceiling fans ? ?
Central vacuum ? ?
Dishwasher ? ?
Doorbell   ?
Dryer ? ?
Ductwork   ?
Electrical system ? ?
Food center ? ?
Garage-door opener ? ?
Garbage disposal ? ?
Trash compactor ? ?
Gas leak   ?
Heating system ? ?
Hot water pump   ?
Refrigerator ice maker ? ?
Microwave ? ?
Oven/Stove/Cooktop ? ?
Pest control   ?
Plumbing stoppages   ?
Plumbing system ? ?
Refrigerator ? ?
Smoke detector   ?
Sump pump   ?
Telephone wiring   ?
Washer ? ?
Hot water dispenser   ?
Water heater ? ?
Water leaks   ?
Whirlpool   ?


Plans from The Home Service Club fall in line with the industry average of $40–$60 per month. However, both plans come with a $95 service call fee, which is higher than what most companies charge.

Plan Cost
Standard Coverage $51.25 per month
Comprehensive Coverage $62.50 per month

Get a Free Quote

For a free quote from The Home Service Club, fill out this online form or call 800-842-9334.

Our Verdict

If you want to ensure your air conditioner is covered if it breaks down in the middle of summer or you want to protect your house when your roof starts leaking, consider investing in a home warranty. With a Florida home warranty plan, you can have peace of mind knowing that your most important home systems and appliances will be protected in the event of a sudden breakdown.

While American Home Shield is our top pick for Florida residents, we ultimately recommend getting free quotes from all four providers listed in this review so that you can compare plans and pricing and make the best decision when it comes to protecting your home.

Frequently Asked Questions About Florida Home Warranties

Do I need a home warranty?

A home warranty isn’t mandatory, but having one can prevent you from paying for expensive repairs if an important system or appliance unexpectedly breaks down. Additionally, most home warranty companies have a network of trusted technicians that can perform a repair or replacement for you, preventing you from having to find a high-quality contractor on your own.

How did Today’s Homeowner evaluate these companies?

Our team considered several factors such as coverage, pricing, state availability, consumer reviews and BBB ratings to determine the best home warranty companies in Florida.

Which home warranty is the best?

While we rated American Home Shield as the best home warranty company in Florida, Choice Home Warranty, Select Home Warranty and The Home Service Club are all great options for Florida residents. If you’re looking for an affordable plan, Select Home Warranty may be a good option. However, if you want a shorter waiting period, The Home Service Club could be a better choice.

We ultimately recommend getting a free quote from each company to compare coverage plans and pricing in your area.

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