Best Home Warranty in Florida

The Florida Climate Center reports that northern Florida’s dew point temperature averages range from 55 to 60. The southern half of the state’s averages are above 60. What does that mean? It means Florida is literally the most humid place in the United States. It also means that Floridians need air conditioning more than anyone in the country.

Lending Partner
Trade Service Fee
Average Monthly Cost
Premade Plans
Add-on Coverage
  • America’s 1st Choice
    Trade Service Fee:
    Average Monthly Cost:
    Premade Plans:
    Add-on Coverage:
  • Choice Home Warranty
    Trade Service Fee:
    Average Monthly Cost:
    Premade Plans:
    Add-on Coverage:

What happens when the central air, air conditioning or cooling system in your home breaks down? Well, if you have a home warranty plan, it kicks in and covers the cost of repair or restoration. If you don’t, you may want to explore the plans from the best home warranty companies in Florida.

In this article

    The 4 best home warranty companies in Florida of 2021

    ProviderBasic Plan CostUpgradesBetter Business Bureau Rating
    Choice Home WarrantyTotal Plan is $510 with an $85 service call fee for 13 monthsCost for optional pool/spa coverages variesB-
    Select Home WarrantyGold care is $52 per month
    Platinum care is $58 per month
    Bronze care is $36 per month
    Pool coverage is about $10 per monthB
    Cinch Home ServicesDeductible at $150:
    – Appliances plan $31.95
    – Systems plan $29.95
    – Combo plan $43.95

    Deductible at $125:
    – Appliances plan $35.95
    – Systems plan $33.95
    – Combo plan $48.95

    Deductible at $100:
    – Appliances plan $39.95
    – Systems plan $37.95
    – Combo plan $53.95
    Pool and spa coverage is customizedB+
    Complete Appliance Protection Inc.Essential plan is $540 per year

    Advanced plan costs $660 annually

    Comprehensive and Ultimate plans are $780 and $900 per year, respectively

    Pool heater and pool pumper are $12 per month each
    There is a multitude of a la carte add-onsA+

    The 4 best home warranty companies in Florida of 2021

    Best Comprehensive Coverage – Choice Home Warranty

    Imagine having a home warranty plan that covers all of your home’s systems and major appliances down to the plumbing stoppage, ceiling fans and whirlpool bathtub. Choice Home Warranty’s Total Plan does that for just over $500

    Trade Service Fee
    Average Monthly Cost
    Premade Plans
    3.6 / 5.0
    SimpleScore Choice Home Warranty 3.6
    Average Monthly Cost 3
    # of Extra Coverage 4
    Support Channels 4
    Trade Service Fees 4
    Number of Pre-Made Plans 3

    That price point doesn’t seem to be advantageous for the money-conscious homeowner, but it’s actually set for a 13-month contract. For less than $40 a month, you can have your most important appliances and your HVAC system protected.

    Be aware that their service calls are $85, though, which is a little steeper in price than normal. However, that does mean you will reach your deductible faster.

    Choice Home Warranty Disclosure
    • We’re Here for you 24/7
    • We’ve Handled more than 3,000,000 Service Requests
    • We have a Nationwide Network of more than 15,000 Contractors
    • We’ve Covered more than 1,000,000 Homes Across the USA
    • We have Thousands of 5 Star Ratings from our Customers

    Best discount and deals – Select Home Warranty

    In addition to economical plans, this budget-focused company gives two months free for new customers, along with roof coverage at no cost and discounted coverage for new customers who sign up online.

    Trade Service Fee
    Not Listed
    Average Monthly Cost
    Not Listed
    Premade Plans
    3.3 / 5.0
    SimpleScore Select Home Warranty 3.3
    Average Monthly Cost N/A
    # of Extra Coverage 1
    Support Channels 5
    Trade Service Fees N/A
    Number of Pre-Made Plans 4

    Some homeowners don’t need all the bells and whistles. They just want the basics and they want their plan to be affordable. Select Home Warranty offers two plans that fit this description. It has a reasonably priced Gold Care plan that covers only your home’s systems: cooling, heating, plumbing, electrical, water heater and duct work. It also has a similarly priced Bronze Care plan that covers all of your home’s major appliances: washer, dryer, refrigerator, oven, microwave and cooktop.

    Best service provider network – Cinch Home Services

    What sets Cinch apart from its competitors is its service provider network. They pre-screen every contractor and evaluate their performance.

    Trade Service Fee
    Average Monthly Cost
    Premade Plans
    3.4 / 5.0
    SimpleScore Cinch Home Services 3.4
    Average Monthly Cost 5
    # of Extra Coverage 3
    Support Channels 4
    Trade Service Fees 1
    Number of Pre-Made Plans 4

    If you’re concerned about the quality and experience of the service provider that’s coming to your house, you can ask Cinch Home Services what their rating is in their internal system. They also offer a 180-day guarantee on all covered repairs.

    In addition to top-notch contractors, this company’s most notable offering is its appliance plan. It focuses on often overlooked kitchen appliances such as a range exhaust hoods and built-in trash compactors. It also provides mechanical parts and components that get impacted by rust and corrosion.

    Cinch Home Services Disclosure
    • Coverage for components and parts like knobs, doors and drawers
    • Easy-to-read plan documents so you know exactly what’s covered
    • A $25 credit to use toward filters for your A/C or fridge
    • A free water sensor to help detect leaks in your home
    • A digital dashboard you can use to request service 24/7 from anywhere

    Most transparent – Complete Protection

    Complete Appliance Protection’s plans tend to be pricier than average, though. The most basic plan starts at $540 per year. Their mid-range plan is $660. Their higher plans range from $780 to $900 per year. It also has an impressive list of affordable add-ons, including a sought-after monthly fee for major appliances.

    Trade Service Fee
    Average Monthly Cost
    Premade Plans
    4 / 5.0
    SimpleScore Complete Protection 4
    Average Monthly Cost 2
    # of Extra Coverage 5
    Support Channels 3
    Trade Service Fees 5
    Number of Pre-Made Plans 5

    Complete Appliance Protection bills itself as having a no-nonsense coverage. There is no fine print or legalese. Unlike most of the home warranty companies in Florida, it carefully outlines what the company’s plans cover and how much they cost. Perhaps most importantly, this almost nationwide home warranty company offers a month-to-month service contract. If clients aren’t satisfied, they can opt out of their plans. That’s practically unheard of in the home warranty business.

    What is a home warranty company?

    A home warranty plan operates like an insurance plan for your home’s systems, such as its electrical, heating and cooling. Depending on which plan you sign up for, your major appliances, such as your washer and dryer, may also be covered.

    Home warranty plan holders are responsible for paying either an up-front or monthly fee. When a system breaks down, you initiate a service call. A contractor gets dispatched to your home and completes the repair. You’ll pay a service call fee and the cost of any repairs until you meet your plan’s deductible. Plans vary greatly as to what they cover and how much they cost.

    How should I choose the right home warranty company?

    Many homeowners sign up for a home warranty plan when they purchase their house. Their rates are negotiated through their buying agent. Existing homeowners can purchase a home warranty plan directly from a home warranty company. In that case, it’s critical to carefully scrutinize each plan and compare pricing.

    “Oftentimes you aren’t covering apples to apples,” said Mark Benson, realtor at Keller Williams Realty Naples.

    For example, a basic coverage plan will cover heating, cooling and electrical but will not provide you any coverage for pool repairs.

    “Do your homework,” he said. “Do your comparison shopping. You might be going for the cheapest and might not realize they might not cover a lot of things.”

    It’s also important to ask a home warranty company about its service provider network, including how many contractors they work with, where they are located and what their service record is.



    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.

    Questions about our methodology?

    Email Hayley Armstrong at

    Average monthly cost

    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.

    Add-on coverages

    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.

    Customer support

    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.