Best Mobile Home Warranty Companies (2024)

Our rating: 4.4
Monthly cost: $39–$99

We recommend American Home Shield (AHS) for homeowners who own manufactured homes with older appliances. It’s one of the few companies that doesn’t exclude items with preexisting conditions and damaged items from its standard coverage.

AHS offers three plan options for mobile homes: ShieldSilver, ShieldGold, and ShieldPlatinum. Reading the AHS sample contract revealed that the company offers $2,000 caps for appliances and $5,000 for systems, one of the highest limits in this review. The ShieldPlatinum plan doubles its appliance coverage to $4,000 and includes a $1,000 cap for roof leaks. Most companies limit roof-leak coverage to add-ons only. However, the company doesn’t offer an appliance-only plan, so you must get comprehensive system coverage. Comprehensive plans are often more expensive than specialized plans. AHS includes a 30-day workmanship guarantee with its repairs. 

We detailed the available AHS mobile home warranty plans below:

• ShieldSilver: This system-only plan protects cooling, electrical, heating, and plumbing systems. 
• ShieldGold: This plan extends coverage to include systems and appliances, such as built-in microwaves, garbage disposals, and ovens. 
• ShieldPlatinum: The highest plan includes ShieldGold items and adds additional perks, including roof-leak coverage and one free HVAC tune-up.

AHS charges slightly higher for its comprehensive plans compared to other reviewed companies. Our sample quote included a flexible $100 or $125 service call fee, which is on the expensive side. However, choosing the higher service call fee resulted in lower premiums. Unlike other companies that offer monthly and annual premiums, AHS only offers monthly premiums. 

Here’s an overview of AHS prices and coverage caps:

AHS offers only six add-on options, the smallest catalog in this review. On average, most home warranty companies provide eight or more options. Pricing ranges between $8 and $24, making it more affordable. 

Here’s a sample of the available AHS add-ons:

• Electronics protection plan 
• Pools and spas
• Roof leaks

One of our team members tested the AHS home warranty claims process. He received prompt text and email confirmations after submitting his claim online. A service technician called to schedule a next-day service appointment within just five minutes. The service appointment lasted two hours, and the service call fee was the only expense incurred.

Our rating: 4.6
Monthly cost: $34–$92

We recommend America’s First Choice Home Warranty (AFC Home Warranty) for mobile homeowners who want more customized home protections. The company offers the most plan options in this review, providing four plans with appliance protection, three service call fees, and 13 add-ons.

AFC Home Warranty provides four plan options: the Silver Plan, the Systems Plan, the Gold Plan, and the Platinum Plan. Most companies only offer two or three coverage choices. We read AFC Home Warranty’s sample contract and learned that the company offers an unlimited workmanship guarantee. This policy offers repair protection through the full length of your plan. We also learned that AFC Home Warranty includes a depreciation policy with its plans, reducing payouts for items five years or older. This means older appliances and systems will receive lower payouts over time. 

Here’s a look at AFC Home Warranty’s plans:

• Silver Plan: This plan covers nine appliances, including dishwashers, refrigerators, and stoves. 
• Gold Plan: The next plan protects 15 systems and appliances, such as air conditioning, heating, and water heaters. 
• Platinum Plan: The next tier covers 20 systems and appliances, adding faucets and built-in microwaves. 
• Diamond Plan: The highest plan includes Platinum coverage, plus electronics and external sewer and water lines. (Note: The Diamond Plan is unavailable in AK, CA, HI, MT, MS, NC, NJ, UT, VA, WA, WV, or WI.)

AFC Home Warranty offers annual and monthly premiums. It’s one of the few companies to offer multiyear plans for up to three years. Our sample quote included discounts for selecting the annual options. A one-year plan included a $100 discount, while three-year premiums came with $250 off. You can choose between a $75, $100, or $125 service call fee. Similar to other companies with flexible fee options, lower fees will increase your premium pricing. 

Here’s an overview of AFC Home Warranty’s pricing and caps:

AFC Home Warranty offers 13 add-on options that range from $25 to as high as $150 per year. You can add roof-leak coverage at no charge to any coverage plan. The company offers a good mix of system and appliance add-on options, including central vacuums, and double ovens. Additional add-on options include the following items:

• Hot water dispensers
• Ice makers
• Stand-alone freezers

AFC Home Warranty is one of the few providers that lets you choose your own technician. Most home warranty providers use an exclusive network of preapproved service technicians. The AFC Home Warranty policy offers more flexibility with your choices and guarantees there is an available technician in your area. The company also offers exclusive membership perks not found with other providers. These perks include free credit monitoring, emergency alert services, and identity protection. 

Our rating: 4.6
Monthly cost: $50–$86

We recommend First American Home Warranty for manufactured homeowners who need protection for high-end appliances. The company offers up to $7,000 appliance caps on its highest plan, plus an add-on upgrade that includes coverage for preexisting conditions.

First American Home Warranty provides three plans: the Starter Plan, Essential Plan, and Premium Plan. Reviewing the company’s sample contract showed us that it doesn’t offer appliance- or system-only plans like other providers. Instead, you must choose from three comprehensive plans. Its lowest plan, the Starter Plan, omits coverage for key items, including air conditioning, clothes washers, and dryers. You can add air conditioning coverage with an add-on, but you must move to a higher plan for clothes washer and dryer coverage. You can also add the First American Upgrade to the Essential and Premium plans for coverage for improper installations, maintenance, and preexisting conditions. 

Here’s a breakdown of First American’s coverage plans:

• Starter Plan: The lowest comprehensive plan includes some essential items, such as built-in microwaves, heating systems, and refrigerators.
• Essential Plan: The next tier includes Starter Plan items and additional key items such as air conditioning systems, clothes washers, and dryers.
• Premium Plan: The highest plan includes Essential Plan items, plus luxury appliances, roof leaks, and window air conditioning units.

First American Home Warranty offers three flexible service call fees: $75, $100, or $125. Our premium rates decreased when we chose the highest fee for our sample quote. The company offers annual and monthly premiums but charges an additional $2 processing fee for monthly options. 

We’ve outlined First American’s costs, fees, and coverage caps below:

The company includes 12 add-on options ranging from $2.08–$20.83 per month. You can add central air conditioning coverage for $8.33 to the Starter Plan. You’ll pay $8.33 per month to add roof-leak coverage to the Starter and Essential Plans. You can also add the First American upgrade to the Essential and Premium Plans at no charge.

Below are some add-ons offered by First American Home Warranty:

• Additional refrigeration
• HVAC tune-ups
• Water softener

Our team member submitted a claim to First American Home Warranty on a Friday for a broken garage door opener. He received a text confirming the assigned technician within 30 minutes. The technician scheduled a repair visit for Monday and completed the repair in under 30 minutes. The only cost was the standard service call fee.

Our rating: 4.5
Monthly cost: $49–$59

We recommend Liberty Home Guard (LHG) for mobile homeowners who need diverse coverage options. The company offers specialized and comprehensive coverage plans, plus 42 add-on options, the largest catalog in this review.

LHG offers three service plans: Appliance Guard, Systems Guard, and Total Home Guard. We reviewed the LHG sample contract and learned that the company has a $2,000 limit for most items, which aligns with industry-standard caps. Plumbing and electrical systems only receive $500, which is lower than most providers. You can choose between appliance-only, system-only, or comprehensive coverage to better suit your mobile home needs. LHG offers a 60-day workmanship guarantee, twice the industry standard of 30 days. 

Here’s an overview of LHG’s available plans:

• Appliance Guard: The appliance-only plan covers nine appliances, including clothes dryers, garbage disposals, and kitchen refrigerators. 
• Systems Guard: This next plan covers six built-in systems, such as air conditioning, ductwork, and heating.
• Total Home Guard: The highest plan offers comprehensive protection by combining the Appliance Guard and Systems Guard plans.

We learned that LHG doesn’t let you choose your service call fee. Most providers offer at least two flexible options. Instead, the company assigns a $65–$125 fee based on your selected plan, location, and add-on options. LHG offers annual and monthly premiums, which is typical of most home warranty companies. Our annual premium quote included a promotion for two months of free service.

We listed LHG’s pricing and coverage caps below:

LHG provides 42 add-on options, the largest catalog in this review. Add-on coverage pricing ranges from $3.99–$35.99 per month, which is midrange compared to other providers. The company offers protection for roof leaks, pro-series appliances, electronics, and home maintenance services. You can also find coverage for:

• Central vacuums
• Pest control services
• Water softeners

We noted that many customers complimented LHG’s efficient customer support when reviewing online customer reviews. We called customer support during our secret shopping and connected to a representative in under 30 seconds. The representative was friendly and answered our questions thoroughly. 

We also tried the live chat service, but it took two requests to speak with a live agent after interacting with an automated bot. We recommend using the customer support line to receive detailed answers and the live chat for general inquiries.

Our rating: 4.3
Monthly cost: $44–$47

We recommend Select Home Warranty for homeowners who need baseline coverage at an affordable price. The company offers specialized and comprehensive coverage plans for less than $50 per month and provides free roof leak coverage in its standard coverage.

Select Home Warranty provides three plan options: Bronze Care, Gold Care, and Platinum Care. Reading Select Home Warranty’s sample contract shed light on the fact that the company offers lower coverage limits than our other reviewed providers. It provides a $3,000 limit for HVAC, but all other systems and appliances max out at $500. This is why we recommend Select Home Warranty for mobile homeowners who need minimum coverage for an affordable price. 

Here’s a look at Select Home Warranty’s plans:

• Bronze Care: This plan covers appliances only, such as cooktops, garbage disposals, and refrigerators. 
• Gold Care: This system-only plan includes essential systems such as air conditioning, heating, and water heaters. 
• Platinum Care: The highest plan tier offers comprehensive coverage for appliances and systems, plus additional items, including plumbing stoppages and ceiling fans.

The company includes monthly and annual premium options, making finding the best payment plan for your budget easier. However, it assigns its service call fees, which typically range between $60 and $75. Our secret shopping told us that Select Home Warranty offers an exclusive over-the-phone deal for its lowest service call fee. 

We detailed Select Home Warranty’s pricing below:

Select offers some of the most affordable add-on options in this review, with pricing ranging between $3.33 and $8.33 per month. However, its add-on coverage only offers $400 coverage caps for most items, which is lower than other providers. Below is a sample of its nine add-on options:

• Central vacuums
• Lawn sprinkler systems
• Stand-alone freezers

Reviewing our sample contract showed us that Select Home Warranty uses its own network of service technicians for repairs. However, the company lets you select your option if no technicians are available. Select Home Warranty must approve your technician before repairs can begin.