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7 Best Home Warranty Companies In Miami, Florida

Miami, Florida, known for its dynamic real estate scene and tropical climate, offers homeowners an array of home warranty options to defend against sudden and costly repairs. Here’s a breakdown of the 7 best home warranty companies in Miami, Florida, each with its advantages and possible limitations for homeowners to ponder.

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Offer Ends
In

$200 Off*
Free roof Coverage* +2 Months additional coverage
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100,000 user reviews

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16+ Years Of Experience

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6 Million Homeowners Served

OUR #1 PICK
fourhalf_star4.9/5
$150 Off + First Month Free
MOST POPULAR
fourhalf_star4.1/5
1st Month Free + Free Roof Coverage

List Of The Best Home Warranty Companies In Miami, Florida

We've compiled a list of the top 7 home warranty companies in Miami, Florida, highlighting their key features, advantages, and drawbacks.

Elite Home Warranty

Pros

  • Offers discount up to $150 on all the plans
  • Multiple plan options to suit your budget and needs
  • Provides 15 extra options to customize the coverage

Cons

  • Customers find it difficult to get the pricing details
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$150 Off + 1 Month Free. 30 Day Free Trial!

Premium

$45 - $60

Deductible

$70

States covered

49 states

Coverage not available in California

Appliances Coverage Limit

$15K

Response Time

24 - 48 hours

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Pros

  • Offers discount up to $150 on all the plans
  • Multiple plan options to suit your budget and needs
  • Provides 15 extra options to customize the coverage

Cons

  • Customers find it difficult to get the pricing details

Choice Home Warranty

Pros

  • Wide range of systems and appliances covered
  • Responsive customer support
  • Free repairs during warranty period if needed

Cons

  • Limited service fee options
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1st month free + Free roof coverage

Premium

$46 - $55

Deductible

$75 - $125

States covered

49 states

Coverage not available in Washington

Appliances Coverage Limit

Upto $3K/item

Response Time

Up to 48 hours

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Pros

  • Wide range of systems and appliances covered
  • Responsive customer support
  • Free repairs during warranty period if needed

Cons

  • Limited service fee options

The Home Service Club

Pros

  • No home inspection is required
  • Swift commencement of coverage
  • Comprehensive basic plan that includes essentials and critical home systems

Cons

  • Slightly higher premiums compared to other competitors in Miami

Premium

$50 - $62

Deductible

$65 - $125

States covered

All 50 U.S states

Appliances Coverage Limit

$6K - $9K per plan

Response Time

24 to 48 hours

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Pros

  • No home inspection is required
  • Swift commencement of coverage
  • Comprehensive basic plan that includes essentials and critical home systems

Cons

  • Slightly higher premiums compared to other competitors in Miami

American Home Shield (AHS)

Pros

  • Enables plan and service fee customization to meet preferences
  • Offers a wide range of plans with generous coverage limits
  • Provides coverage for damage caused by sediment, rust, and corrosion

Cons

  • Filing claims can be more involved compared to some providers
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$50 OFF on Multiple Properties

Premium

$29 - $89

Deductible

$100 & $125

States covered

48 states

Coverage not available in Alaska and Hawaii

Appliances Coverage Limit

$4K - $5K

Response Time

Up to 48 hours

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Pros

  • Enables plan and service fee customization to meet preferences
  • Offers a wide range of plans with generous coverage limits
  • Provides coverage for damage caused by sediment, rust, and corrosion

Cons

  • Filing claims can be more involved compared to some providers

Cinch Home Services

Pros

  • Offers upfront pricing with no hidden fees
  • Special plans like home buyers' warranty for homebuyers
  • Provides a range of service fee options to accommodate various budgets

Cons

  • Specialized coverage for Miami's unique conditions might come with slightly higher premiums compared to more general plans

Premium

$38 - $66

Deductible

$100, $125, $150

States covered

48 states

Coverage not available in Alaska and Hawaii

Appliances Coverage Limit

$10K

Response Time

Same day

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Pros

  • Offers upfront pricing with no hidden fees
  • Special plans like home buyers' warranty for homebuyers
  • Provides a range of service fee options to accommodate various budgets

Cons

  • Specialized coverage for Miami's unique conditions might come with slightly higher premiums compared to more general plans

Select Home Warranty

Pros

  • Offers competitive rates for its plans
  • Flexible coverage with optional add-ons
  • Includes free coverage for roof leaks with their plans

Cons

  • Lower coverage caps
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$150 off + Free roof coverage + 2 months free

Premium

$44 - $47

Deductible

$60 - $75

States covered

47 states

Coverage not available in Nevada, Washington and Wisconsin

Appliances Coverage Limit

$3K/Item

Response Time

12 - 48 hours

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Pros

  • Offers competitive rates for its plans
  • Flexible coverage with optional add-ons
  • Includes free coverage for roof leaks with their plans

Cons

  • Lower coverage caps

Liberty Home Guard

Pros

  • Offers various plans to fit different needs and budgets
  • Has gained relatively positive customer reviews
  • Filing claims is easy and hassle-free

Cons

  • Service fees can be slightly higher
image displaying the offers available for the purchase of the home warranty plan

$200 off + 2 months free + Free roof leak protection

Premium

$50 - $60

Deductible

$90

States covered

All 50 U.S states

Appliances Coverage Limit

$2K/Item

Response Time

Up to 48 hours

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Read Less

Pros

  • Offers various plans to fit different needs and budgets
  • Has gained relatively positive customer reviews
  • Filing claims is easy and hassle-free

Cons

  • Service fees can be slightly higher
OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Pro Tip: Miami homeowners, rejoice! Get the inside scoop on our ultimate guide's best home warranty companies.

Home Warranty Cost And Coverage-Related Details For Miami Residents

For Miami, Florida residents, it is crucial to consider a home warranty and understand the cost structure in selecting the right plan for your home. Here’s a concise overview of home warranty costs and coverage specifics for Miami homeowners:

Cost Considerations

Coverage Options
  • Average Cost In Miami, the average cost of a home warranty plan ranges from $300 to $600 annually, depending on the level of coverage chosen. This range aligns with national averages but can vary based on the size and age of the home.
  • Deductibles Most home warranty companies require a service call fee or deductible, typically from $60 to $125 per repair visit. This fee can influence the overall cost-effectiveness of a plan, depending on how frequently you use the service.
  • Factors Influencing Cost Several factors can affect the cost of a home warranty in Miami, including the type of property (e.g., single-family home, condo, townhouse), the age and condition of home systems and appliances, and the level of coverage selected. Additional coverage for items not included in basic plans can also impact the final price.
  • Appliances Coverage Standard home warranty plans in Miami often cover major appliances such as refrigerators, ovens, dishwashers, built-in microwaves, and clothes washers and dryers. Coverage specifics can vary, so reviewing what constitutes 'normal wear and tear' is essential.
  • System Coverage Essential home systems like air conditioning (crucial in Miami’s climate), heating, plumbing, and electrical systems are typically included. Given Miami's susceptibility to high temperatures, ensuring your air conditioning system is covered is particularly important.
  • Optional Add-Ons For an additional fee, Miami residents can expand their coverage to include pools, spas, septic systems, second refrigerators, and more. These add-ons can be valuable for homeowners who customize their plans to fit their needs.

Don't let Florida’s weather and infrastructure challenges leave you stranded. Find peace of mind with our Florida review of home warranties offering coverage for unique state issues.

Why Should Miami, Florida Citizens Get A Home Warranty?

Sunshine and palm trees are fantastic, but Miami homeowners know unexpected home repairs can shade your paradise. A home warranty can offer peace of mind in the following ways: 

  • Tropical Climate and HVAC Systems Miami experiences a hot and humid tropical climate. The continuous use of air conditioning (AC) systems to combat the heat puts additional strain on HVAC units. A home warranty can benefit residents, providing coverage for potential AC system breakdowns and ensuring comfort in tropical weather.
  • Hurricane and Storm Risks Miami is prone to hurricanes and tropical storms. Severe weather events can damage homes, including roofs, windows, and electrical systems. A comprehensive home warranty that covers hurricane-related damages can provide financial relief for homeowners in the aftermath of such events.
  • Saltwater Exposure Miami's coastal location exposes homes to saltwater, accelerating wear and tear on various components, including outdoor equipment, appliances, and plumbing fixtures. A home warranty that addresses issues related to saltwater exposure can be crucial for maintaining the longevity of home systems.
  • Mold and Humidity Concerns The high humidity levels in Miami can contribute to mold growth, especially if there are water leaks or insufficient ventilation. Some home warranty plans may offer coverage for mold remediation, addressing a common issue in the region.
  • Pool and Spa Maintenance Pools and spas are common features in Miami homes. A home warranty that includes coverage for the repair of pool and spa equipment can be advantageous for homeowners looking to offset the costs of maintaining these amenities.

Cost Of Common Household Repairs In Miami, Florida

Below is the breakdown of essential costs associated with some important appliances in Florida;

  • Plumbing

    Repair

    Average Cost 

    Repair Leaky Faucet

    $100-$200

    Water Heater Repair

    $200-$500

    Water Heater Replacement

    $800-$2,000

    Toilet Repair 

    $150-$300

    Repipe

    $2,000-$5,000+

  • HVAC

    Repair

    Average Cost 

    AC Unit Repair

    $150-$500

    Furnace Repair

    $200-$400

    Air Duct Cleaning

    $200-$400

    AC Replacement

    $3,000-$5,000

    Furnace Replacement

    $2,000-$4,000

  • Electrical

    Repair

    Average Cost

    Outlet or Switch Repair

    $75-$150

    Ceiling Fan Installation

    $150-$300

    Panel Upgrade 

    $1,500-$4,000

    Rewiring

    $3,000-$10,000+

    Outlet/Switch Replacement

    $100-$250

  • Appliances

    Repair

    Average Cost

    Dishwasher Repair

    $100-$300

    Washing Machine Repair

    $150-$300

    Refrigerator Repair

    $150-$400

    Oven Repair

    $100-$200

    Appliance Replacement

    Prices may vary
OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Essential Points To Consider While Getting A Home Warranty In Miami, Florida

Miami's vibrant energy and stunning beaches come with unique homeownership challenges. From battling humidity to weathering hurricanes, your home needs extra TLC. While a home warranty can offer peace of mind, remember it's not a magic solution. 

Before diving in, here's what to consider:

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Who Regulates Home Warranty Companies In Miami, Florida?

Home warranty companies in Miami, Florida, are regulated by two main entities, namely the Florida Department of Financial Services (FLDFS) and the Office of Insurance Regulation (FLOIR):

Florida Department of Financial Services (FLDFS)

  • Licensing: The FLDFS mandates that anyone selling or soliciting home warranties in Florida must hold a license. This ensures a baseline level of professionalism and accountability among providers.
  • Dispute Resolution: The FLDFS provides a mediation process to help resolve disputes between consumers and home warranty companies. This can be a valuable resource for homeowners facing issues with their warranty coverage.
  • Enforcement: The FLDFS actively monitors the home warranty industry for compliance with regulations. This includes investigating complaints, reviewing contracts, and taking disciplinary action against companies engaging in unfair practices.

Florida Office of Insurance Regulation (OIR)

While the Florida Department of Financial Services (FLDFS) plays a significant role in overseeing various financial institutions, including home warranty companies, the specific regulatory body responsible for them is the Office of Insurance Regulation (FLOIR) within the FLDFS. Here’s how the FLOIR regulates home warranties in Florida:

  • Licensing: Similar to the FLDFS, the FLOIR requires all home warranty companies operating in Florida to hold a license. This license ensures they meet specific financial requirements and maintain adequate reserves to fulfill their obligations to policyholders.
  • Contract Review: The FLOIR scrutinizes home warranty contracts for clarity, fairness, and compliance with state regulations. This protects consumers from misleading language, hidden exclusions, and unfair coverage limitations.
  • Complaint Investigation: The FLOIR investigates consumer complaints thoroughly and takes appropriate action against companies found to be violating regulations or engaging in unfair practices.

  • Florida Department of Financial Services (FLDFS)

    • Licensing: The FLDFS mandates that anyone selling or soliciting home warranties in Florida must hold a license. This ensures a baseline level of professionalism and accountability among providers.
    • Dispute Resolution: The FLDFS provides a mediation process to help resolve disputes between consumers and home warranty companies. This can be a valuable resource for homeowners facing issues with their warranty coverage.
    • Enforcement: The FLDFS actively monitors the home warranty industry for compliance with regulations. This includes investigating complaints, reviewing contracts, and taking disciplinary action against companies engaging in unfair practices.

  • Florida Office of Insurance Regulation (OIR)

    While the Florida Department of Financial Services (FLDFS) plays a significant role in overseeing various financial institutions, including home warranty companies, the specific regulatory body responsible for them is the Office of Insurance Regulation (FLOIR) within the FLDFS. Here’s how the FLOIR regulates home warranties in Florida:

    • Licensing: Similar to the FLDFS, the FLOIR requires all home warranty companies operating in Florida to hold a license. This license ensures they meet specific financial requirements and maintain adequate reserves to fulfill their obligations to policyholders.
    • Contract Review: The FLOIR scrutinizes home warranty contracts for clarity, fairness, and compliance with state regulations. This protects consumers from misleading language, hidden exclusions, and unfair coverage limitations.
    • Complaint Investigation: The FLOIR investigates consumer complaints thoroughly and takes appropriate action against companies found to be violating regulations or engaging in unfair practices.

Conclusion

In selecting the best home warranty company in Miami, Florida, consider factors like coverage options, customer reviews, and response times. Prioritize companies with a local presence for tailored services. Thoroughly examine terms and conditions to ensure your home's specific needs are met, providing peace of mind for unforeseen repairs.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

FAQs

What Are The Most Frequent Home Repairs In Miami?

In Miami, frequent home repairs are often linked to the tropical climate. Roof repairs due to heavy rain and high winds, HVAC maintenance for consistent cooling, and termite treatments for pest control are common.

Is Pest Control Covered By Home Warranty Companies in Miami?

Pest control is typically not covered by standard home warranty plans. However, some home warranty companies may offer optional coverage or add-on packages for pest control services, but this varies among providers.

Do Home Warranty Companies Cover Pre-Existing Conditions?

Home warranty companies generally do not cover pre-existing conditions. However, some home warranty companies cover unknown pre-existing conditions. Therefore, it is pivotal to carefully go through the contract terms and conditions of various home warranty providers.

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