Home warranties cover potentially expensive repairs without a large out-of-pocket cost to you, the homeowner. When you purchase a home, often the buyer will include one in the sale. When choosing a home warranty company, pay attention to inclusions, exclusions and deductibles. Our partners at ConsumerAffairs did the research for you to determine the best home warranty in Phoenix, AZ.
A home warranty pays to repair or replace items that break down under normal wear and tear. Think of it as a plan to cover what a homeowners insurance policy doesn’t cover since insurance covers repairs due to weather, accidents or theft (not wear and tear).
Home warranties can be purchased at any time. Often the best rates are when purchased in conjunction with buying a home. The cost and contract are usually for one year. The average home warranty in Phoenix costs $272 annually. This is several hundred dollars under the national average of $841. With most plans, you have the option to upgrade to a “platinum” or “VIP” service ranging from an extra $50 to $150. This can cover additional repairs and sometimes guarantees faster service.
Depending on the company, you can choose to pay the contract cost up front, split the cost into payment plans or pay monthly. If you are purchasing a home and the warranty is part of the real estate contract, the cost of the warranty may be part of the closing costs.
Call your Phoenix home warranty company to schedule a repair. They will send a partner contractor to make the repairs, and you pay the service fee or deductible. You usually do not get to choose the company that is sent to make the repairs.
Certain home systems and appliances are typically covered under home warranty plans. Others are only covered with upgraded plans. The Arizona Department of Insurance explains what a home warranty may cover as does the table below.
Common home repairs in Phoenix
Air conditioning/HVAC system
Yes (and why many Phoenicians choose to purchase a home warranty!)
Some parts and repairs are included
Some parts are usually excluded
Yes, in upgraded plans
Depends on plan
Pool and spa
Yes, in upgraded plans
Depends on plan
Storm damage, such as from seasonal monsoon and dust storms
Yes, but typically covered by a homeowners insurance policy
Repairs due to item failure (not wear and tear)
Yes, but typically covered by a homeowners insurance policy or manufacturer’s warranty
Every homeowner can benefit from a home warranty, except for those purchasing a new build home that comes with a manufacturer’s or construction warranty. Warranties are particularly helpful when you own an older home with older appliances or a home that is used as a rental and the owner cannot be on-site to manage repairs.
When reviewing home warranty companies in Phoenix, it’s important to read the contract and understand what is included and excluded. There could be hidden details or costs. You also want to make note of the service fee and any additional costs you may be responsible for. Additional costs could include equipment like a crane to install a new air conditioner, the cost to reach plumbing or electrical systems in the wall and the cost to repair damage caused to drywall or paint when these systems were accessed.
Finally, research customer reviews of home warranty companies and if there are complaints against them with the Better Business Bureau.
American Home Shield offers customers a variety of warranty plans to cover what is most crucial to you so that you do not pay for services you likely won’t need. The company boats 24/7 service, a 60-day work guarantee and a network of more than 14,000 contractors across the country.
At Choice Home Warranty, you can get a quote, manage your plan and submit a claim online. A dedicated team of two or three representatives handles claims so that your questions are answered efficiently. The company also offers incentives to new customers, such as a free month of service.
2-10 Home Buyers Warranty
With more than 35 years in business, 2-10 Home Buyers Warranty is an industry leader that covers appliances like a dishwasher, refrigerator, washing machine and air conditioner, to name a few. Whether you’re buying, selling or building a home, 2-10 offers a service agreement to protect you from unexpected repair costs.
With appliance and system plans starting at less than $1 per day, Liberty Home Guard offers flexible plans that let you tailor coverage to fit your home needs. Customer support is open 24/7 and Liberty says that empathy and integrity are core company values.
Total Home Protection offers Phoenix residents a gold or platinum plan with optional add-ons, such as for spas, pools and additional A/C units. Submit a claim 24/7/365 online or on the phone. Licensed and insured contractors are sent in a timely manner. With plans starting at $1 a day, THP is a popular choice for Arizonans on a budget.
With tiered pricing options, AFC Home Club makes it easy to see what is and is not covered under its three plans. Choose one that fits your home’s needs and buy extra coverage to protect additional appliances and systems. There’s no deductible, only a $60 service fee. Plans include restaurant gift cards and a retail savings program for cash back at 5,000 retailers.
Select Home Warranty has three plan types (platinum, gold, bronze) so that customers only pay to protect what they really need. Payment plans are also available. The company often offers specials, such as a discount on contract costs or additional months or coverage at no cost.