Modern single-family home at twilight, lights on inside

Live · 2026 ranking

Home warranty,
decided.

10 providers reviewed. 43 states priced. Zero paid placements. The honest verdict on every major US home-warranty company.

Read the 2026 verdict →What it really costs →

Photo · R Architecture / Unsplash

This week’s top picks

Old Republic Home Protection

3.9/5

Real estate signing — keys and contract on a table

Honorable mention

First American Home Warranty

3.8/5

Ranked by overall score across five weighted criteria: coverage, pricing, claims, customer service, and contractor network. No paid placements; scores update with the contract and review corpus.

Award labels reflect the leader, among these top five, of a single figure: Best overall = highest overall score; Best for claims / service / coverage = highest sub-score on that dimension. How we score.

Start here

Three ways into the year’s research.

01 / Pick

Pick a provider

Five weighted criteria, every contract reviewed. No sponsored placements anywhere on the page.

Begin →

02 / Compare

Compare two head-to-head

Per-criterion winners, honest tradeoffs, and who each pairing is wrong for.

Begin →

03 / Estimate

Estimate your plan

Three questions return a likely annual-cost range and the provider whose contract fits your profile. No email.

Begin →

Your state, priced.

All state guides →

State-specific claim patterns, regulation, and provider availability. Start with the guides below.

By state

All 43 state guides

Popular head-to-head.

All matchups →

Choice Home Warranty vs American Home Shield

American Home Shield takes 2 of 4 rounds

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American Home Shield vs Liberty Home Guard

Liberty Home Guard takes 2 of 5 rounds

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Choice Home Warranty vs First American Home Warranty

First American Home Warranty takes 2 of 5 rounds

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American Home Shield vs Cinch Home Services

American Home Shield takes 2 of 5 rounds

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The editorial standard

“We read the schedule of coverage before we say a word about a plan. If a figure is not in the contract or a public filing, it does not go on the page.”— The Warranta editorial standard