We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence. The offers that appear on this site are from companies from which TheSimpleDollar.com receives compensation. This compensation may impact how and where products appear on this site including, for example, the order in which they appear. The Simple Dollar does not include all card/financial services companies or all card/financial services offers available in the marketplace. The Simple Dollar has partnerships with issuers including, but not limited to, Capital One, Chase & Discover. View our full advertiser disclosure to learn more.
Home warranties can cover the repair or replacement in the event that your home’s cooling system or your pool goes bust. The key is to find the right plan from a top home warranty company that understands the unique needs of Arizona homeowners.
We follow a rigorous editorial policy designed to keep our writers and editors independent. Articles may reference products from our partners, so here’s more information on
How we make money
The Simple Dollar is an independent, advertising-supported publisher and comparison service. The Simple Dollar is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. The Simple Dollar does not include all companies or all available products.
In addition to working with their own techs, Platinum does one other thing that clients love: phone calls are answered by a real, live support person who dispatches your service technician and calls to check in on how the service went after it’s been completed.
Trade Service Fee
Average Monthly Cost
4.5 / 5.0
SimpleScore Platinum Home Warranty 4.5
Average Monthly Cost 3
# of Extra Coverage 5
Support Channels 5
Trade Service Fees N/A
Number of Pre-Made Plans 5
“A big difference with Platinum is our in-house technician team,” said Platinum Home Warranty CEO Carol Perry. “Instead of farming all claims out to third party contractors, which is the norm in our industry, we hire our own techs. This allows us to provide a better experience from start to finish and make sure that the person who shows up at your door is trustworthy. When hiring techs, I like to ask — would I trust them in my own daughter’s home?”
Service calls are a flat $69 and the cheapest plan is about $30 a month. What it provides that others don’t are additional, often overlooked services that preserve your home’s value.
The least expensive plan, ApplianceGuard, includes pest control, termite treatment, weed killing, yard maintenance service, carpet cleaning, window cleaning, re-key and garage remote re-program and pool maintenance. The mid-range and high-end plans, SystemGuard and HomeGuard, add garage door tune-up service and A/C and heating system tune-ups to that long list of offered services.
HomeLife Warranty Protection offers, hands down, the most affordable home warranty plan on the market. For the basic plan, homeowners pay $295 a year. That covers your home’s plumbing, standard appliances, electrical, central vacuum, fans and garage door opener.
Trade Service Fee
Average Monthly Cost
3.8 / 5.0
SimpleScore HomeLife 3.8
Average Monthly Cost 4
# of Extra Coverage 5
Support Channels 3
Trade Service Fees 2
Number of Pre-Made Plans 5
The next most expensive option, the Premium Plan, only costs $395. It includes all of the covered items in the basic option as well as your heating and cooling systems. What really sets HomeLife Warranty Protection apart from its competitors, however, is its array of à la carte upgrades and add-ons. Master tune-up service is $50; control board module repairs are $375. Limited roof leak repair costs $150. The list goes on.
American Home Shield – Best personalized plan
American Home Shield (AHS) is arguably the most well-recognized name in home warranties and certainly the largest company on this list. Working with a major home warranty plan provider like AHS has a few key benefits.
It’s easier to move and keep your coverage, and it gives you access to a wider network of contractors. Depending on the plan, it also can be more cost-effective.
That being said, the most attractive benefit to Arizona homeowners is AHS’s Build Your Own Plan. With this personalized coverage, you get to pick and choose which systems, electronics, appliances and electronics you want covered on your property.
What is a home warranty plan?
A home warranty plan is a year-long service contract. Homeowners pay a monthly fee in order to have their major appliances, such as their refrigerator, dishwasher, and washer/dryer unit repaired when they break down.
Home warranty plans, in addition to covering major appliances, also cover different systems within the house, such as electrical, heating, and cooling systems. Prices range according to what the homeowner wants to have covered. It also may vary according to the size, type, and location of the home.
The plan holder will need to pay a service call fee in order to initiate a repair. That fee and the cost of the repair goes towards the plan’s deductible. After the deductible is met, the plan holder no longer pays any fees.
How should I choose the right home warranty company?
It’s not uncommon for realtors to negotiate a home warranty plan into closing for the buyers they represent. Realtors may have a working relationship with a particular home warranty company, which can result in the home buyer getting a better deal on their plan.
Consumers and existing homeowners can purchase their own home warranty plans directly from a home warranty company. In the event that you’re shopping around for a plan, first compare how much it would cost to repair your home’s major appliances and systems versus how much it would cost to pay each year for a home warranty plan. Once that’s calculated, you can go with whichever option will cost you less.
Too long, didn’t read?
If your home relies on a cooling system or has a pool, the high cost to repair those justifies purchasing a home warranty plan. If you’re relying exclusively on window units for cooling and you don’t have major appliances, it might be more cost-effective to repair them on your own than it is to pay for a home warranty plan.
The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
For every review, our editorial team:
Identifies five measurable aspects to compare across each brand
Determines the rating criteria for each aspect score
Averages the five aspect scores to produce a single SimpleScore
Here’s a breakdown of the five aspect scores and their rating criteria for our review of the best home warranty companies of 2020.
Why do some brands have different SimpleScores on different pages?
To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
However, it’s also possible for brands to have multiple SimpleScores. For example, when we apply our methodology to Chase’s stock trading product, it scores a 3.6 out of 5. On the other hand, when we compare Chase checking accounts, it scores a 4.4 out of 5. this is because we each criterion for every category is different to account for different industry standards and product offerings.
Many home warranty companies advertise a range of monthly costs for their home warranty plans. We took the average of these costs and assigned SimpleScore aspects based on the amount.
Home warranty usually just covers kitchen appliances and HVAC systems. However, homes have so much more than that. We gave higher scores to home warranty companies that offer a variety of add-ons to home warranty coverages, such as pool, washer/dryer, guest houses and more.
When it’s time to file a home warranty claim or homeowners have questions, how can they contact support? The SimpleScore rewards home warranty companies with more channels of customer support.
Trade service fee
Much like a deductible, a trade service fee is the fee homeowners pay for each service call. The lower the service fee, the higher the score that the brand gets. If the trade service fee was a range or differed among plans, we took an average of the fees advertised.
Number of pre-made plans
Sometimes it’s just easier to pick a package and get your home warranty coverage started. That’s why we awarded companies with more premade plans higher scores.