Updated July 21, 2026
The 5 Best Home Warranty of 2026
Cover breakdowns of appliances and home systems with one plan.
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- Stand-out choice for coverage caps
- Consistently strong customer feedback
- Competitive pricing for what you get
- Best value may require a longer commitment
- Some advanced features cost extra
- Stand-out choice for value
- Consistently strong customer feedback
- Competitive pricing for what you get
- Best value may require a longer commitment
- Some advanced features cost extra
- Stand-out choice for add-ons
- Consistently strong customer feedback
- Competitive pricing for what you get
- Best value may require a longer commitment
- Some advanced features cost extra
- Stand-out choice for budget
- Consistently strong customer feedback
- Competitive pricing for what you get
- Best value may require a longer commitment
- Some advanced features cost extra
- Stand-out choice for appliances
- Consistently strong customer feedback
- Competitive pricing for what you get
- Best value may require a longer commitment
- Some advanced features cost extra
Still deciding? Compare at a glance
A quick side-by-side of every home warranty we ranked.
| Brand | Score | Price | Best for | |
|---|---|---|---|---|
| #1American Home Shield | 9.2 | starting at $29.99/mo | Coverage caps | Visit Site |
| #2Choice Home Warranty | 8.9 | ~from $45/mo | Value | Visit Site |
| #3Liberty Home Guard | 8.7 | ~from $29.99/mo | Add-ons | Visit Site |
| #4Select Home Warranty | 8.6 | ~from $9.99/mo | Budget | Visit Site |
| #5First American | 8.5 | Appliances | Visit Site |
How we rate home warranty
Research
Map the market and shortlist leading brands
Test
Hands-on evaluation across weighted criteria
Score
Standardized 10-point methodology
Update
Re-reviewed as products change
Our editors score every home warranty on a standardized 10-point scale across four weighted pillars: features & performance (35%), pricing & value (25%), customer experience & support (25%), and trust & reputation (15%). Scores are reviewed and updated as products change. Read our full methodology.
Frequently asked questions
How did Rated.ly choose the best home warranty?
Our editors evaluated each home warranty on features, pricing, customer feedback, and overall value, then scored them using our standard 10-point methodology. See our How We Rate page for details.
Which home warranty is best overall?
American Home Shield currently earns our top score of 9.2 thanks to its strength in coverage caps. The right pick for you depends on your priorities — compare the full list above.
Ready to choose your home warranty?
American Home Shield is our top-rated pick with a score of 9.2/10 — the strongest all-round choice for most people.
Visit American Home ShieldDaniel Kovacs
Editor, Money & Auto
Daniel is a consumer-finance writer who has compared hundreds of financial and automotive services. His mission: cut the jargon and show you the true cost of every option.