5 Best Home Warranty Companies in Arizona (2024)
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Arizona’s hot and dry climate can cause your home’s AC system, plumbing, and appliances to be constantly under stress, leading to expensive repairs and replacements. Having a home warranty is a good investment when these breakdowns happen, helping to cover repair costs and connect you with a trusted technician.
We researched and scored 13 leading home warranty companies to find the best providers for Arizona homeowners. Keep reading to find the right home warranty company for your needs and budget.
Key Takeaways
- With Arizona’s hot desert conditions, homeowners should prioritize finding solid HVAC coverage and request quotes from at least three providers to find the best deals.
- An Arizona home warranty costs $662 annually on average, or $47-$64 per month, depending on your plan and coverage.
- Our home warranty survey revealed that 92.7% of policyholders were satisfied with their home warranty plan, while less than 1% were dissatisfied.
The listings that appear are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This listing does not include all companies or all available offers and products.
Did You Know?
- In the last 30 days, more than 2,500 people bought home warranties from the above providers. Liberty Home Guard is our most popular provider, with 55% of buyers choosing to cover their homes with an LHG plan.
What Are the Top Home Warranty Companies in Arizona?
We reviewed 13 home warranty providers using our detailed methodology and selected the top five companies for Arizona homeowners:
- Best Customer Support: Liberty Home Guard
- Best for High-End Items: First American Home Warranty
- Best for Customized Coverage: Elite Home Warranty
- Best Budget Plan: Select Home Warranty
Compare Home Warranty Companies
The following table compares our top Arizona home warranty companies based on key metrics, including cost, response time, and service fees.
| Star Rating | Monthly Cost in AZ | Service Fee | Response Time | Link | ||
|---|---|---|---|---|---|---|
| Liberty Home Guard | | $49–$59 | $65–$125 | Up to 48 hours | VISIT SITE | |
| American Home Shield | | $29–$89 | $100–$125 | Up to 48 hours | VISIT SITE | |
| Select Home Warranty |  | $45–$50 | $60–$75 | 48-84 hours | VISIT SITE | |
| First American Home Warranty |  | $42–$87 | $100–$125 | 4-48 hours | VISIT SITE | |
| Elite Home Warranty |  | $44–$58 | $70 | Up to 48 hours | VISIT SITE |
| Liberty Home Guard | |
|---|---|
| Logo |
 |
| Star Rating | |
| Monthly Cost in AZ | $49–$59 |
| Service Fee | $65–$125 |
| Response Time | Up to 48 hours |
| American Home Shield | |
|---|---|
| Logo |
 |
| Star Rating | |
| Monthly Cost in AZ | $29–$89 |
| Service Fee | $100–$125 |
| Response Time | Up to 48 hours |
| Select Home Warranty | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost in AZ | $45–$50 |
| Service Fee | $60–$75 |
| Response Time | 48-84 hours |
| First American Home Warranty | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost in AZ | $42–$87 |
| Service Fee | $100–$125 |
| Response Time | 4-48 hours |
| Elite Home Warranty | |
|---|---|
| Logo |
 |
| Star Rating | |
| Monthly Cost in AZ | $44–$58 |
| Service Fee | $70 |
| Response Time | Up to 48 hours |
| Company | BBB Rating | Monthly Cost in AZ | Service Fee | Visit Site |
|---|---|---|---|---|
| NR** | $49–$59 | $65–$125 | VISIT SITE | |
| B | $29–$89 | $100–$125 | VISIT SITE | |
| B+ | $44–$58 | $70 | VISIT SITE | |
| B- | $45–$50 | $60–$75 | VISIT SITE | |
| B | $42–$87 | $100–$125 | VISIT SITE |
Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 1,736-square-foot, single-family home in Phoenix, Arizona. Your pricing may vary depending on your home’s location, size, type, and plan selections.
The 5 Best Arizona Home Warranty Companies
Below is a more detailed look at our top Arizona home warranty providers.
Liberty Home Guard
Best Customer Support
American Home Shield
Best for Comprehensive Coverage
Select Home Warranty
Best Budget Plan
First American Home Warranty
Best for High-End Items
Elite Home Warranty
Best for Customized Coverage
Avoid These Home Repair Costs With a Home Warranty Plan
A home warranty plan costs an average of $600 annually. However, repair and replacement costs can quickly add up without one—especially if you need multiple home repairs. Below, see what you’d pay to repair or replace common items in your home without home warranty protection.
- Refrigerator- Avg. repair cost: $250, Avg replacement cost: $2,500
- Oven- Avg. repair cost: $220, Avg. replacement cost: $2,000
- Washing Machine- Avg. repair cost: $180, Avg. replacement cost: $1,500
- Dishwasher- Avg. repair cost: $200, Avg. replacement cost: $2,000
- AC System- Avg. repair cost: $450, Avg. replacement cost: $7,500
- Heating System- Avg. repair cost: $350, Avg. replacement cost: $5,000
On average, a home warranty plan can save you over $1,200 in repair/replacement costs a year for any of the appliances above.
Learn How Home Warranties Work in Arizona
While the video below isn’t made specifically for Arizona home warranties, it will give Arizona homeowners an overview of how they work and what benefits are offered.
How Much Does a Home Warranty Cost in Arizona?
We found that the average monthly premium for a home warranty is $55 in Arizona, and you can expect to pay $570-$774 on average annually. These numbers come from averaging the quotes for each provider in our review.
However, your total home warranty cost depends on more than just your monthly premium. Most home warranty companies pair a service call fee with each plan, which can cost between $60 and $125 per claim.
Coverage type and amount cause cost variation between companies. For instance, we found that providers that include your home’s major systems and appliances in one plan tend to cost more than those that offer appliance or system-only plans.
We recommend analyzing the coverage plan’s cost in relation to its value. A cheap plan may sound ideal, but it might limit its coverage breadth. We suggest comparing three companies to see which provides the most value for your situation.
- Read more: Average Cost for Home Warranty Plans
Is a Home Warranty Worth It in Arizona?
A solid Arizona home warranty can provide a financial safety net if you’re concerned about expensive home appliances and system repairs. For example, if your air conditioning system repair costs roughly $500 and your provider covers up to $2,000 per repair, you’ll only pay a service fee versus the entire repair cost. Home warranties are worth the investment for current and first-time homeowners who want extra home protection.
- Arizona summer temperatures can climb as high as 107℉ in some areas. A home warranty can save you from paying hefty repair or replacement costs if your AC breaks down in the scorching heat.
Here are the estimated costs for common system and appliance repairs in Arizona to show how unexpected repairs can impact your finances and daily life:
Air Conditioning
An air conditioning failure during Arizona's sweltering summers can be miserable for families. Temperatures commonly exceed 100°F, leaving homes hot and humid without AC. This uncomfortable environment can also degrade indoor air quality and waste energy, hiking electricity bills. Minor AC repairs costs range between $100 and $650. However, replacing the entire AC unit runs $2,500–$15,000.
Electrical Issues
Malfunctioning electrical wiring could shut down your home’s lighting, appliances, and essential systems. Faulty wiring also poses severe fire and shock hazards that can damage your home. Unreliable circuits may hike up your utility bills over time, too. Hiring an electrician for minor electrical repairs runs $150–$600. However, extensive wiring replacements or repairs can cost $9,000–$15,000.
Plumbing Leaks
A small leak in your plumbing can quickly become a big problem. Dripping pipes waste water and drives up utility bills. Leaks can also promote mold growth and cause water damage across ceilings, floors, cabinets, and walls. A minor leak fix runs $150–$450, but a new plumbing installation can exceed $5,000 in unexpected costs.
Refrigerators
A malfunctioning refrigerator could compromise your food safety. The longer it's left unfixed, the higher the risk of foodborne illness from spoiled perishables. You could also lose hundreds of dollars in food waste. On average, minor appliance repair for refrigerators can cost around $200–$500. Investing in a new refrigerator could cost $5,000 or more.
Roof Leaks
Arizona receives 286 sunny days yearly, exceeding the 205-day national average. Constant sun exposure can cause shingles to wear down and warp. In addition, your roof will slowly deteriorate when faced with high winds, dust storms, and heavy rains during monsoon season. Over time, you could find small leaks in your roof, which, left untreated, could lead to mold, mildew growth, and extensive damage to your walls and ceiling. Roof repairs could range between $150 and $2,000 based on the damage. Partial to complete roof replacement costs fall between $3,800 and $10,000.
What Does an Arizona Home Warranty Cover?
An Arizona home warranty covers your home’s most common systems and appliances for normal wear and tear. Wear and tear is the deterioration of a covered system or appliance due to regular use over time. Normal wear and tear applies to appliance and system breakdowns that occur without tampering from the homeowner and without being improperly installed or maintained. Some home warranties also cover items with preexisting conditions or physical damage, but this coverage is rare.
Most home warranty companies offer repair and replacement options, but cash reimbursements could also be an option. This typically happens when the repair doesn’t improve the item’s condition or a replacement is unavailable, but you shouldn’t expect a reimbursement equal to your listed coverage cap. Kurt Walker, a Mill City Home Buyers real estate expert, cautions that these cash payouts could be less than the replacement cost.
We’ve detailed typical coverage, exclusions, and add-on options for Arizona home warranty plans to help you as you shop for home warranty coverage:
Common Inclusions
A home warranty usually covers essential home appliances and systems. They should include the following items:
- Air conditioning
- Built-in microwaves
- Clothes dryers
- Clothes washers
- Cooktops
- Dishwashers
- Ductwork
- Electrical systems
- Garbage disposals
- Heating systems
- Ovens
- Plumbing systems
- Ranges
- Refrigerators
- Stoves
- Water heaters
We recommend reviewing each sample contract in detail to verify item coverage. A few companies exclude essential systems, such as air conditioning, from their base coverage. You can read our guide on home warranty coverage to learn more about items that are typically covered.
Common Exclusions
Specific exclusions differ between providers, but most home warranty plans don’t cover the following conditions:
- Cosmetic defects that don't affect an item's functionality
- Issues caused by improper installation or maintenance
- Physical damage
- Preexisting conditions
It's important to note that home warranty plans usually have a waiting period of 30–90 days. This means that the warranty won’t cover any issues that arise during this time frame. We recommend checking with your home warranty provider to confirm the length of the waiting period before signing up.
Common Add-ons
Home warranty companies often offer supplementary coverage for additional appliances, outdoor installations, or home maintenance services. We’ve listed some examples below:
- Carpet cleaning
- Central vacuum
- Guest units
- Electronics protection
- Exterior sewer and water lines
- HVAC maintenance
- Pest control services
- Professional and high-end appliances
- Rekey service
- Roof leaks
- Saltwater pools
- Secondary appliances
- Septic pumping
- Septic tanks
- Stand-alone freezers
- Sump pumps
- Swimming pool and spa equipment
- Trash compactors
- Water softeners
- Well pumps
Our Home Warranty Research Process
We learned about the type of coverage residents need for their homes to find the best home warranty companies in Arizona. We spoke to home warranty experts to learn more about the industry and help us identify common homeowner pain points. We also spoke with customer service representatives to go over their plan options, pulled sample quotes, and analyzed contract terms. Finally, we gained firsthand experience by testing the claims process for some providers and through secret shopping.
We then scored each California provider against our detailed methodology in the following categories: coverage, cost, trustworthiness, plan transparency, customer support, and flexibility. We ensured each company provided solid coverage for HVAC and plumbing systems and roof-leak protection through its standard plans or with add-on coverage. We compared monthly costs against included coverage, analyzed third-party customer reviews, and accounted for claims processing times. We then awarded points for each category and converted scores to a final 5-star rating scale.
Our Home Warranty Experts
We spoke with over 15 professionals while researching the home warranty industry to help us better understand what's most important to customers. We consulted the following two home warranty experts to gain key insights for this article:
- Shannon Feick: Feick is the co-owner and co-founder of ASAP Properties
- Kurt Walker: Walker is a real estate expert at Mill City Home Buyers.
Which Home Warranty Companies Didn’t Make the List?
We excluded some companies that lacked certain coverage options or had limited coverage caps. The providers below didn't rank among the top for Arizona, but they remain legitimate choices worth considering if their coverage matches your specific needs.
AFC Home Warranty
AFC Home Warranty offers unlimited coverage caps for most systems, including HVAC and plumbing. It’s also one of the few to offer a plan-length workmanship guarantee. Unfortunately, AFC Home Warranty includes a depreciation policy with its plans that reduces payout for items five years or older. This provider could better fit new Arizona homeowners who want extended workmanship protection plus unlimited system caps.
Cinch Home Services
Cinch offers up to $1,500 of coverage for HVAC systems under two of its plans. However, this coverage cap falls short compared to other providers, including AHS and LHG. The company also imposes an annual $10,000 cap for claims, which is lower than Elite. In addition, Cinch doesn’t offer any roof-leak solutions, which Arizona homeowners would need. Cinch may be a great solution for homeowners seeking mainly HVAC coverage.
How To Choose a Home Warranty in Arizona
It's important to remember the following steps as you search for the perfect home warranty for your Arizona home:
- Start with a clear coverage goal: Determine which appliances and systems need added protection. Assess their current condition, maintenance record, and age. Some companies don’t offer protection for older or damaged items. In addition, some providers offer lower payouts based on depreciation value. Consider any add-on coverage you may need, such as septic tank pumping, roof leak coverage, or pool protection.
- Check online reviews: Reading customer reviews helps verify a company’s brand reputation and helps distinguish providers with similar offerings. Feick says, “Customer reviews give real insight into how a company treats its customers and handles claims which will help you avoid providers with poor service.” Check for patterns of poor customer support, denied claims, and undervalued payouts.
- Confirm contract and policy transparency: Consider a company that is fully transparent about its services, contractor network, and total plan costs. Confirm what customer service representatives say is true with a copy of the company’s sample contract. Home warranty companies should offer clear disclosures for their policies and fees.
- Review coverage exclusions: Review a provider’s fine print to ensure it covers all the items and components that need protection. Most providers offer air conditioning coverage in Arizona because of its hot climate. However, providers may exclude specific cooling system components, which defeats the purpose of the home warranty.
- Check customer service accessibility: We suggest choosing a provider with multiple ways to contact its customer service department. Most companies provide a dedicated hotline or email address for customer inquiries. Some, however, go a step further and feature an online chat tool on their website.
- Verify the contract length and cancellation policy: Knowing this information will help you plan and make decisions accordingly. Most home warranties offer annual contracts that automatically renew each year if you have a credit card on file. Also, check if there is a free cancellation period in case you believe a provider isn’t right for you.
How Are Home Warranties Regulated in Arizona?
Arizona’s Department of Insurance and Financial Institutions (DIFI) regulates home warranty companies. According to § statute 20-1095.1–20-1095.10, providers must first receive approval from the DIFI before selling service contracts. In addition, the state provides a resource to help consumers with the home warranty buying process.
There are several ways to file a complaint if you’re in a dispute with your provider. You can complete a complaint form on the DIFI website. The Arizona Attorney General also provides a complaint form.
Home Warranty Cost Calculator
We created a calculator to break down the estimated annual cost of owning a home warranty.
You can use the following steps to calculate your projected annual cost:
- Enter your monthly premium.
- Enter your service call fee.
- Enter your estimated number of claims.
It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
Use the table below to compare your calculated cost to repair and replacement costs for common appliances.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Fans | $16–$300 | $250–$950 |
| Electric Range | $100–$500 | $230–$3,000 |
| Gas Range | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Refrigerator | $40–$350 | $200–$5,000 |
Life span and repair cost data sourced from InterNACHI and The Home Depot.
Other Resources for Residents in Arizona
FAQs About Home Warranties in Arizona
How do I cancel or renew my home warranty in Arizona?
You can cancel or renew your home warranty by contacting your provider over the phone or online. Providers typically automatically renew your policy for renewals if you have a card on file. For cancellations, some providers accept a phone call. Others, however, require a cancellation request in writing.
Do home warranties cover older Arizona homes?
Generally, home warranties do cover older homes. Some providers, however, require a home inspection before granting coverage on an older home. The home inspection ensures that your home’s appliances and systems are in good working condition the day you sign up.
Can you purchase a home warranty at any time in Arizona?
Yes, you can purchase a home warranty in Arizona at any time. Some home sellers include a home warranty with the purchase, but if they don’t, you can still add a home warranty when you need coverage. Keep in mind that a home warranty can take up to 30 days to go into effect, so purchase coverage before you need it.
Can a home warranty be transferred to a new homeowner in Arizona?
Yes, most Arizona home warranties can be transferred to a new homeowner. However, exact transfer policies can vary between companies. We recommend contacting your home warranty provider for full details about its transfer policy.
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