Best Home Warranty Companies in Florida (2025)

American Home Shield and AFC Home Warranty offer two of the best home warranty options for Florida homeowners, striking a balance between coverage and affordability.

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Florida homeowners face a slew of challenges when maintaining their homes. Between intense heat that calls for nearly constant air conditioning usage and natural wear and tear, it’s not uncommon for critical home systems to give out at the worst possible time.

For homeowners without an emergency fund on hand to cover unexpected repairs, a home warranty offers some peace of mind.

Learn more about the best home warranty companies for Florida homeowners to consider.

American Home Shield: Best for Florida home issues

Florida homeowners face brutal heat, which takes a toll on home systems. Even American Home Shield’s most basic plan, Shield Silver, comes with coverage for air conditioning systems. For homeowners who want help fixing their A/C during an often unbearably hot outage, this relatively affordable basic plan could work.

AFC Home Warranty: Best for choosing your own technician

When it comes to repairs around your house, you want a technician you can trust. AFC Home Warranty offers the ability for homeowners to choose their own technician for claims. For example, if your A/C goes out, you can pick a licensed technician to make the repairs. Many home warranty companies only allow you to pick from their selected technicians.

2-10 Home Warranty: Best for higher coverage limits

Homeowners with high-end appliances and systems might run into the issue of low coverage limits on some home warranty plans. For example, the company might replace your refrigerator with a basic model instead of your current luxury option.

If you want the protection of higher coverage limits, 2-10 Home Warranty offers a luxury add-on for a few dollars a month. This bumps up your coverage limits by several thousand dollars. But notably, the poor customer service ratings might give you pause.

Liberty Home Guard: Best for expansive add-on options

Owning a home with all the bells and whistles can be fun. But more systems and appliances also mean a greater chance of something breaking. Liberty Home Guard makes it easy to protect yourself against breakages across your house with an extensive selection of add-on coverages.

You can protect pools, lighting fixtures, spas, swamp coolers, septic systems, water softeners, freestanding ice makers, plumbing, guest units, gutter cleaning, and more. For Floridians, the ability to cover your saltwater pool or lawn sprinkler system can be especially valuable.

Choice Home Warranty: Best for customer service

Choice Home Warranty stands out with a rating of 4 out of 5 stars on Trustpilot. With almost 50,000 reviewers, it’s clear that most customers enjoy their experience working with this company. While its Total Plan is relatively robust, Florida homeowners might appreciate the ample add-on options. Some particularly relevant add-ons include coverage for pools, spas, septic tanks, and sprinkler systems.

  • Our editorial team analyzed home warranty companies that sell plans in Florida to assess which offer the best prices, coverage options, customer service, and savings to homeowners. We looked at available plans, service fees and agreements, and coverage limits. We prioritized competitive prices, customer service reviews, discounts, and specialty or supplemental coverages.

How home warranties work

A home warranty is a service contract between a homeowner and a warranty company. Essentially, the company promises to repair or replace covered home systems and items that break within the plan’s term. In exchange, the homeowner pays for the plan.

For example: Let’s say your refrigerator’s motor gives out. If your home warranty covers it, you’d call the company to file a claim. After you pay the service fee, the company will send out a repairperson to assess and potentially fix the issue. If possible, the repairperson will fix the fridge. If not, the company might replace it.1

What your home warranty covers varies based on the type of plan you signed up for. Some plans cover most home systems, including your air conditioning. Others only cover kitchen appliances. Make sure to read the fine print before committing to a particular home warranty.

Notably, a home warranty doesn’t cover items in the same way as a homeowners insurance policy. A home insurance policy helps you repair or replace your home when it sustains damage from a covered event, like a hurricane. In contrast, a home warranty helps you pay for repairs or replacements of home systems.

How much does a home warranty cost in Florida?

The exact costs of a home warranty vary based on your unique property. But you’ll generally pay between $40 and $100 per month for a home warranty in the Sunshine State.

The table below outlines the estimated costs of a home warranty in Florida by company based on a Winter Haven address.

How to buy a home warranty in Florida

If you want to buy a home warranty in Florida, follow these steps:2

Home warranty in Florida FAQs

If you have additional questions about home warranties in Florida, see the answers below.

  • What is the best home warranty in Florida?

    The best home warranty company in Florida varies depending on your situation. But some of the best home warranty companies include American Home Shield and AFC Home Warranty.

  • How much does a home warranty cost in Florida?

    The exact costs of a home warranty vary based on your address and preferences. But in general, you’ll pay $40–$100 per month for a home warranty in Florida.

  • What is covered by home warranty companies?

    Coverage varies based on the home warranty company and the plan. But home warranty plans generally cover your air conditioning, kitchen appliances, washers, dryers, and more.

  • Are home warranties worth it?

    For homeowners without an emergency fund to cover unexpected expenses, the safety net a home warranty provides may be worth it. It’s also a relatively small expense for the coverage you get.

  • Why do home warranty companies deny claims?

    A home warranty doesn’t typically cover damage that your home insurance covers. It won’t cover breakdowns from misuse, pre-existing issues, or cosmetic defects. If you try to file a claim for anything that falls under those conditions, your home warranty company will likely deny the claim.3

Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Sarah has been a contributor at Insurify since September 2022.

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