State guide · OHNo paid placement
Home warranty
in Ohio.
Cold winters placing extended load on furnaces and boilers drives the local claim mix. Service contracts in Ohio are regulated by the Ohio Department of Insurance.
2 cities coveredRegulated as a service contract3 providers active
Photo · R Architecture / Unsplash
Why Ohio is different
Service contracts in Ohio are regulated by the Ohio Department of Insurance. Providers must be registered; a service contract is not insurance and is not backed by a state guaranty fund. Contracts must disclose cancellation and refund terms.
Source: Ohio Department of Insurance (State regulator, accessed 2026-05)
Coverage-priority context · OH
What breaks in Ohio.
Issue 01
Cold winters placing extended load on furnaces and boilers
Issue 02
Freeze-thaw cycles raising burst-pipe risk in basements and crawl spaces
Issue 03
Older industrial-era housing stock with dated plumbing and electrical
§ 02Best providers in Ohio
01
AHS
American Home Shield
Homeowners who want broad systems coverage with the flexibility to lower premiums by accepting a higher service fee.
Score
4.1/5
From
$30/mo
BBB
B
02
CHW
Choice Home Warranty
Budget-focused homeowners who want predictable low service fees and straightforward plan choices.
Score
3.7/5
From
$46/mo
BBB
B
03
SHW
Select Home Warranty
Price-first buyers who want the lowest monthly cost and value bundled roof-leak coverage.
Score
3.4/5
From
$44/mo
BBB
B-
§ 03By city
City 01
Columbus
City 02
Cleveland
§ 04Common questions for Ohio
Are home warranties regulated in Ohio?
Service contracts in Ohio are regulated by the Ohio Department of Insurance. Providers must be registered; a service contract is not insurance and is not backed by a state guaranty fund. Contracts must disclose cancellation and refund terms.
What is the typical waiting period?
Most plans impose a 30-day waiting period from the contract effective date. A few waive it for a real-estate transaction or when you transfer an existing policy, so a failure that starts before coverage begins is treated as pre-existing and excluded.
Can I buy a plan after something has already broken?
You can buy one, but you will be paying for future protection. An active failure is almost always deemed pre-existing and excluded, so the new contract will not cover the repair you are facing right now.