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Best Home Warranty Companies In florida 2025

Sunshine and sandy beaches are synonymous with Florida, but even paradise isn’t immune to homeownership challenges. From unpredictable weather to aging infrastructure, Florida homes face unique risks. This comprehensive guide explores Florida’s best home warranty companies, empowering you to compare plans, coverage options, and service providers to find the perfect fit for your Sunshine State home.

1 Award Winner

Elite Home Warranty

Elite Home Warranty

$200 OFF and 1 Month Free. 30-Day Free Trial.

Outstanding

4.9

2 Fast Claim Processing

Regency Total Home Warranty

Regency Total Home Warranty

$300 OFF and 2 Months Free + Free Roof Coverage

Excellent

4.6

3 Affordable Coverage

Select Home Warranty

Select Home Warranty

$150 OFF and 2 Months Free + Free Roof Coverage

Excellent

4.4

Our Picks: Best Home Warranty Companies For florida Residents

After meticulously evaluating various home warranty providers, we've identified the top 5 companies specifically suited for Florida homeowners. These companies offer comprehensive coverage and reliable service year-round, keeping your Florida home running smoothly and worry-free.

1 Award Winner

1

Elite Home Warranty

Best Home Warranty Award Winner.
No Contract. Cancel Anytime.
24/7 U.S. Based Live Claims Concierge.
Industry Highest Coverage Options.

$200 OFF and 1 Month Free. 30-Day Free Trial.

Outstanding

4.9

Premium $59.99 - $69.99

Deductible $70.00 - $130.00

Total Coverage Benefits $25,000 Contractual Limit

2 Fast Claim Processing

2

Regency Total Home Warranty

Affordable and Flexible Pricing.
Unlimited Service Calls.
Simple and Friendly Claims Process.

$300 OFF and 2 Months Free + Free Roof Coverage

Excellent

4.6

Premium $54.99 - $64.99

Deductible $60.00 - $100.00

Total Coverage Benefits $15,000 Contractual Limit

3 Affordable Coverage

3

Select Home Warranty

Cost Effective and affordable Plans.
Fast claims Processing.
Free Roof Leak Coverage.

$150 OFF and 2 Months Free + Free Roof Coverage

Excellent

4.4

Premium $54.99 - $64.99

Deductible $60.00 - $125.00

Total Coverage Benefits $11,000 Contractual Limit

4 Endorsed By Mike Holmes

4

Mike Holmes Protection

Endorsed by Renowned Contractor Mike Holmes.
Live Video Chat Support Feature.
Comprehensive Coverage.
Reliable Claims Process.

$250 OFF and 1 Month Free + Free Roof Coverage

Outstanding

4.8

Premium $69.99 - $79.99

Deductible $60.00 - $85.00

Total Coverage Benefits $25,000 Contractual Limit

5

Liberty Home Guard

24/7 Customer Support with Same Day Response.
Extensive Add Ons Coverage Options.
Fast and Easy Claim Processing.
Fully Digital Claims Experience.

$200 OFF and 2 Months Free + Free Roof Coverage

Outstanding

4.7

Premium $54.99 - $69.99

Deductible $85.00 - $150.00

Total Coverage Benefits $15,000 Contractual Limit

6

America’s First Choice

Lifetime Workmanship Guarantee.
Option to Choose Any Licensed Technician.
In-House Service Team for Fast Resolutions.

$250 OFF and Free Roof Coverage

Excellent

4.5

Premium $54.99 - $69.99

Deductible $75.00 - $125.00

Total Coverage Benefits $10,000 Contractual Limit

7

American Home Shield (AHS)

50+ Years of Industry Experience.
Largest Home Warranty Company.
Comprehensive Coverage.
Reliable Claims Process.

$100 OFF and Free Roof Coverage

Excellent

4.4

Premium $54.99 - $89.99

Deductible $75.00 - $125.00

Total Coverage Benefits $10,000 Contractual Limit

8

ARW Home – American Residential Warranty

No Age Restriction on Covered Items.
Service Available in all 50 States.
Electronic Gadgets Protection.

$100 OFF and 2 Months Free

Excellent

4.2

Premium $54.99 - $64.99

Deductible $100.00 - $125.00

Total Coverage Benefits $10,000 Contractual Limit

9

First American Home Warranty

Strong Real Estate Integration.
Paid Over $200 Million In Claims.
Serves 500k+ Customers Nationwide.

Flexible Payment Options

Good

3.6

Premium $54.99 - $64.99

Deductible $85.00

Total Coverage Benefits $10,000 Contractual Limit

10

Cinch Home Services

180 Day Workmanship Guarantee.
Online Customer Portal.
Comprehensive Coverage.

Free Water Sensor and 2 Months Free

Good

3.4

Premium $54.99 - $64.99

Deductible $75.00 - $150.00

Total Coverage Benefits $10,000 Contractual Limit

11

2-10 Home Buyers Warranty

Specialized Structural Coverage.
Reliable Claims Process.
24/7 Emergency Services.

20% OFF All Plans

Good

3.8

Premium $59.99 - $74.99

Deductible $75.00 - $125.00

Total Coverage Benefits $10,000 Contractual Limit

12

America’s Preferred Home Warranty (APHW)

Strong Customer Retention Rates.
Reliable Claims Process.
Roof Leak Coverage.

Good

3.9

Premium $59.99 - $69.99

Deductible $50.00 - $100.00

Total Coverage Benefits $25,000 Contractual Limit

2025 Home Warranty Annual Award Winner

HomeWarrantyReviews.com, a trusted name in the industry for decades, lets customer voices shine through its annual awards. Combining real-world experiences with expert analysis, these awards highlight the providers that homeowners truly trust. After reviewing over 25 home warranty companies, the Home Warranty Reviews team named Elite Home Warranty the best home warranty company nationwide. We trust Elite Home Warranty to protect your home due to its reliable services, most beneficial coverage benefits and consumer centric approach, and you should too.

Why Homeowners Trust Elite Home Warranty?

Elite Home Warranty isn’t just another provider, they are setting a new standard in the industry. Here’s why thousands of homeowners trust Elite Home Warranty every day:

Top Rated Customer Satisfaction: 4.9/5 stars across verified platforms including BBB, Home Warranty Companies, Consumera, Google and more.
Affordable Pricing: Competitive rates with no hidden fees, surprise charges, or misleading fine print.
Efficient Claims Process: 90% of claims are processed within 24 to 48 hours, with real time status updates.
Best in Class Coverage That Actually Works: Elite offers the best coverage benefits with some go the highest limits in the industry, with trusted protection when you need it most.
Award-Winning Support Team: Friendly, U.S.-based claims concierge available 7 days a week to help you every step of the way.

Are Home Warranty Plans Beneficial For Florida Homeowners?

A home warranty helps Floridians easily maintain their systems and appliances amidst the climate and geographic challenges that hasten its wear and tear. Home warranties protect Floridians from the following issues:

Excessive pressure on the HVAC systems due to scorching heat
Overheated electrical components in household items
Florida receives heavy rainfall, which can damage the plumbing systems
Rusting, corrosion issues, and roofing issues are also common issues in Florida homes during the rains
There can be problems with the major household items because of the 74% humidity.
High moisture can destroy the working of electronic devices like refrigerators, washing machines, microwaves, and others.
Washers and dryers may become less efficient because of the humid and scorching heat.

How Much Does A Florida Home Warranty Cost?

Here's a general cost range for home warranties in Florida:

Average Annual Cost

$400 - $750

Average Monthly Cost

$33 - $63

Average Service Fee (Deductible)

$75 - $125

In Florida, the cost of a home warranty can vary depending on several key factors:

Coverage Level: Plans with more comprehensive coverage, with both major systems (HVAC, plumbing, electrical) and appliances (kitchen and laundry), will generally cost more than basic plans. It's like choosing between covering your entire home or just the essentials, similar to deciding between full coverage car insurance and liability only.
Deductible: This is the amount you pay out of pocket for each service call before the warranty coverage kicks in. Like your car insurance deductible, opting for a higher deductible can lower your monthly premiums, but remember, you'll pay more upfront for repairs. Consider it a trade-off between lower monthly costs and potentially higher upfront repair expenses.
Home Size & Age: Larger and older homes typically require more maintenance and have a higher risk of breakdowns. This can lead to higher premiums compared to smaller, newer homes. A sprawling Florida ranch house often has a higher potential for repairs, influencing the warranty cost.
Location: Depending on your location within Florida, average costs might vary slightly due to factors like local service provider availability and the associated costs. Areas with higher service provider density might have slightly lower costs compared to remote areas where travel distances for technicians could be greater.
Additional Coverage Options: Some companies offer add-on options like pool or well pump coverage, which will increase the plan's overall cost. Consider whether these additional coverages are necessary before adding them to your plan.

Home Warranty Coverage In Florida

In Florida, home warranty plans typically cover various essential systems and appliances within your home, protecting you from unexpected repair costs. Here’s a breakdown of the common inclusions:

General Coverage Of Florida Home Warranty

Heating, Ventilation, & Air Conditioning (HVAC) This covers repairs for essential components like your air conditioner, furnace, heat pump, and ductwork, ensuring your home stays comfortable year-round in Florida’s diverse climate.
Plumbing Coverage typically extends to repairs for leaks, clogs, and malfunctions in pipes, faucets, toilets, and other plumbing fixtures, safeguarding your home from potential water damage.
Electrical Repairs for electrical wiring, outlets, switches, and breaker panels are often covered, ensuring the safety and functionality of your electrical system.
Kitchen Appliances This might include essential appliances like refrigerators, ovens, cooktops, dishwashers, and garbage disposals, preventing disruptions to your daily routine due to unexpected breakdowns.
Laundry Appliances Washing machines and dryers are commonly covered, protecting you from the costs of repairs needed to keep your laundry routine running smoothly.

Additional Coverage Options

Some companies offer optional add-on coverage for specific needs, such as:

Pool & Spa Coverage Addressing repairs related to pumps, filters, and heaters for your pool or spa.
Well Pump Coverage Ensuring the functionality of your well water system, if applicable.
Roof Leak Coverage Providing financial protection for repairs related to roof leaks and potential water damage.

Common Exclusions

Pre-Existing Conditions Any issues existing before the warranty coverage begins are typically not covered.
Cosmetic Repairs Repairs that solely address the appearance of an appliance or system without impacting functionality are usually excluded.
Maintenance Routine maintenance activities like cleaning filters or changing furnace belts are generally not included.
Acts Of God Damage caused by natural disasters like hurricanes or floods is typically excluded, though some companies might offer separate coverage for specific events.

Who Regulates Home Warranty Companies In Florida?

Florida Office of Insurance Regulation (OIR): This office, under the Florida Department of Financial Services (DFS), oversees the licensing, registration, and consumer protection aspects of home warranty companies operating in the state.

They ensure companies comply with state laws and regulations governing financial solvency, advertising practices, and claim settlement procedures. Here's a breakdown of the OIR's role in regulating home warranty companies:

Licensing Home warranty companies must obtain and maintain a license from the OIR to operate legally in the state.
Financial Solvency The OIR monitors the financial health of home warranty companies to ensure they have sufficient reserves to meet their obligations to policyholders.
Consumer Protection The OIR investigates and addresses complaints against home warranty companies, ensuring they handle claims fairly and efficiently.
Regulations The OIR sets and enforces regulations governing home warranty contracts, including coverage limitations, claim procedures, and cancellation rights.

While the OIR plays the primary role, other entities might contribute to the overall regulatory landscape for home warranty companies in Florida:

Florida Attorney General's Office They can take legal action against companies engaging in deceptive or unfair practices.
National Home Service Contract Association (NHSCA) This non-profit organization establishes a code of conduct for home warranty companies, promoting industry-wide standards and ethical practices. While not a regulatory body, it can influence the industry's overall conduct.

Final Word

Choosing the best home warranty company in Florida depends on your needs and budget. Consider coverage level, customer service reputation, and affordability when comparing plans. By understanding the options and regulations, you can decide to protect your Florida home and its essential systems and appliances.

Frequently Asked Questions (FAQs)

What Does A Home Warranty Cover In Florida?+

How Long Is The Waiting Period Before A Home Warranty Claim Can Be Made?+

What Are The Most Common Appliance Repairs In Florida?+