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Audited & Verified: Oct 2, 2025, 12:03pm
Fact Checked
| Staff EditorSelecting a home warranty company in Arizona can feel overwhelming with several options at your disposal. It’s important to consider key aspects like pricing and fees, company reputation and protection for essential appliances and systems.
In Arizona, where summer highs can soar to 100 degrees Fahrenheit or higher, reliable HVAC coverage is especially important.
Our researchers reviewed 19 companies and 58 plans, gathering over 100 real quotes and analyzing dozens of data points to help you narrow down the best home warranty providers in the Grand Canyon state.
The Forbes Home team is committed to bringing you independent, unbiased ratings and information. We use data and expert advice to inform all of our content. Plus, our advisory board of licensed professionals fact-checks and reviews our content for accuracy and relevancy. Our ratings for home warranties consider factors that include pricing, coverage options, nationwide availability, quote process, customer sentiment and more. All ratings are determined solely by our editorial team in line with our strict editorial guidelines.
Learn More: How We Score Home Warranty Companies
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
The best home warranty companies in Arizona were identified by our editorial team after deep research into dozens of influential home warranty providers and policies. We took aspects like pricing and service fees, customer sentiment and more into account.
| COMPANY | OUR RATING | BEST FOR | MONTHLY FEE | AC COVERAGE | LEARN MORE |
|---|---|---|---|---|---|
 4.7    | Best Overall | $32.00 - $72.00+ | Yes | Read Forbes' Review | |
| 4.5 | Best Service Response Times | $46.08 - $59.92+ | Yes | On HWA's Website | |
| 4.5 | Best Cost and Plan Options | $49.99 - $59.92+ | Yes | On Liberty Home Guard's Website | |
| 4.4 | Best for Unique Home Features | $29.99 - $79.99+ | Yes | On American Home Shield's Website | |
| 4.3 | Best Value | $39.99 - $74.99+ | Yes | Read Forbes' Review |
Best Overall
Best Overall
2-10 Home Buyers Warranty
2-10 Home Buyers Warranty provides a well-placed array of home warranty plans built for Arizona households. Whether you’re managing a rental property, building a home or moving into one, this provider offers packages starting at $32 that range from appliance-targeted plans to all-around coverage options for greater protection.
Learn more: 2-10 Home Buyers Warranty review
Our team found 2-10 Home Buyers Warranty to be an excellent choice for a few reasons. The company is one of the most affordable in Arizona, with plans starting at $32, and an option to lower or raise your premium cost based on your service fee level. We also appreciate that the provider has policies that are designed for home sellers, offering specific coverage during the listing period, as well as those designed for home builders.
Why We Like It
What sets 2-10 apart is its component-driven plan flexibility. If you want appliance coverage only, there’s a minimalist plan for that. If you’re seeking maximum customization, 2-10’s top plan layers in extras like alarm and filter protection.
What We Don’t Like
This home warranty provider will allow customers in Arizona to pick their own technicians, but they’ll need prior approval. Its cancellation policy can also be a touch strict—it begins at $25 for the first month but increases to 10% of your plan cost after day 30.
Who It’s Best For
Our team thinks 2-10 Home Buyer Warranty is a solid option for many homeowners in Arizona, especially those who are looking for control over the service fees and premium costs.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
2-10 Home Buyers Warranty customers’ opinions were mostly positive, giving high regard to the provider’s services. There was some mixed feedback in the reviews about claims, denials, limitations and lack of communication. These complaints came mostly from rejected claims, preexisting issues and response wait times. Overall, the reviews did hold positivity, especially around overall communications and service expectations.
From a survey of 1,800 U.S. respondents, 86% of 2-10 users stated they would recommend the provider, and 88% rated its services as valuable. Overall, these results show a generally favorable picture of customer opinions.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Simply Kitchen | $32+ | $65 - $100 |
Complete Home | $52+ | $65 - $100 |
Pinnacle Home | $72+ | $65 - $100 |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website 
Best Service Response Times
Best Service Response Times
Home Warranty of America (HWA)
Starting business in 1996, Home Warranty of America, a.k.a HWA, has nearly three decades in the home warranty business. Plans start around $47 per month, with varying service fees of $75 and $100. You’ll have your choice of two plans depending on your desired level of home protection in Arizona.
Learn more: Home Warranty of America review
Although companies that have appliance-only plans can be appealing for many homeowners, we like that HWA offers two options, each focusing on systems and appliances. For those who want a more thorough level of coverage, they can opt for the higher plan or select some of the company’s many add-ons.
Why We Like It
Home Warranty of America has many features that are aimed at keeping customers happy. For instance, the company aims for a 48-hour response time for all service orders. It also has plans within its add-ons, like OrangePlus, that cover unique items like code violations and re-keying.
What We Don’t Like
You won’t find AC or laundry coverage in the base plan, which feels like a miss for those expecting full coverage up front. And while the simplicity of two plans can be a plus, it also means fewer choices for homeowners who have more specific needs or older systems that require special attention.
Who It’s Best For
This company tends to be best for those who want plans that cover both systems and appliances, with the option to broaden coverage.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
HWA received overall mixed customer sentiments, according to our research. Positives included helpful customer service agents and technicians, but in more negative reviews, customers tended to mention unexpected costs, long service wait times and inadequate coverage.
Home Warranty of America received mixed to positive marks from surveyed customers. While 15% of users reported a surprise charge, the majority still said they felt the plan offered reasonable value for what they paid. The average annual premium came in at roughly the lower $600s. On average, customers ranked their satisfaction with service calls as just over an 8 out of 10.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Select | $46.08+ | $75 - $100 |
Select Plus | $59.92+ | $75 - $100 |
Add-On Options:
Best Cost and Plan Options
Best Cost and Plan Options
Liberty Home Guard
Founded in 2017, Liberty Home Guard is a fast-growing company in the home warranty space. It offers three distinct plans—one for appliances, one focused on systems and one that blends both. With tiered service fees ranging from $65 to $125, it’s easy to build a plan that works with your coverage needs.
Learn more: Liberty Home Guard review
We included Liberty Home Guard because it gives homeowners a level of control you don’t always see. From choosing your own repair provider to covering properties like secondary residences, Liberty makes it easier to adapt your coverage to your living situation.
Why We Like It
The company has one of the longest lists of home warranty add-ons in our Arizona ranking, with add-on options like saltwater pools, re-keying and light fixtures. Liberty also offers a range of ways customers can contact the company, including by phone, text and chatbot.
What We Don’t Like
The cancellation fee is locked in at $50, and it’s not waived if you change your mind early. That might not seem like much, but it’s a real cost if you’re still testing the service. Also, that $2,000 limit on each item means partial payouts, so you’ll want to be clear on where that cap might leave you short.
Who It’s Best For
Liberty is ideal for homeowners who want options they can tailor to their needs. Whether you’re interested in appliances only or not, you can pick a plan that fits how your home is built. It’s also a solid choice for owners of mobile homes.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
From our findings, Liberty Home Guard has generally mixed reviews from consumers. On the more positive side, customers noted pleasant and helpful customer service personnel and quick help. In more critical reviews, customers mentioned denied claims and delays in service.
Survey respondents gave Liberty Home Guard above-average reviews. With 84% reporting positive service experiences and 85% saying they would renew, Liberty seems to offer a level of consistency that stands up to competitors.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Appliance Guard | $49.99+ | $65 - $125 |
Systems Guard | $54.99+ | $65 - $125 |
Total Home Guard | $59.99+ | $65 - $125 |
Add-On Options:
Best for Unique Home Features
Best for Unique Home Features
American Home Shield
American Home Shield has been in the home warranty business since 1971, making it one of the most tenured companies on our list. You can pick from three distinct home warranty plan options through the company: ShieldSilver, which covers home systems and starts at $29.99; ShieldGold, which covers home appliances and systems and starts at $49.99; and ShieldPlatinum, starting at $79.99, which combines the two plans, raises the coverage cap to $4,000 for covered appliances and adds other perks.
Learn more: American Home Shield review
American Home Shield allows Arizona customers to choose between monthly or annual contract options. We like that customers can choose a systems-only plan as well as combination plans with different degrees of coverage. Its starter plan is also one of the most cost-effective on our list, making it a budget-friendly way to get coverage. It even includes heating and cooling, which can come in handy in Arizona as the weather can get extremely hot.
Why We Like It
AHS has some unique features that make it stand out in Arizona, including coverage for preexisting conditions and code violations, as well as coverage options for renters and those who live in condos and manufactured or mobile homes. The company aims to answer claims in Arizona within 24 to 48 hours and can offer a video diagnosis option for a quicker solution.
What We Don’t Like
Though AHS does allow you to work with your preferred technician, getting that approval can be tedious. And if you cancel after the initial 30-day window, expect an administrative fee equal to one month’s payment.
Who It’s Best For
American Home Shield is a good choice for those who may have home types like condos or manufactured homes, and those who want the option of high coverage caps on appliances.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
American Home Shield reviews are mixed overall, according to our research. Several customers mentioned being happy with the quality of the repairs and the quick turnaround time on services. However, others pointed to being dissatisfied with the experience level of contractors, as well as the high pricing.
Our recent home warranty survey of 1,800 participants revealed that 83% of American Home Shield surveyed customers said they would recommend the company to someone they know. Additionally, 84% of the company’s customers said they found its contract terms to be fairly clear.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
ShieldSilver | $29.99+ | $100 - $125 |
ShieldGold | $49.99+ | $100 - $125 |
ShieldPlatinum | $79.99+ | $100 - $125 |
Add-On Options:
Best Value
Best Value
ARW Home
ARW Home has three plans designed to cover your Arizona home’s systems and appliances. One plan, the Kitchen Plus (which starts at $39.99), focuses on kitchen systems and appliances. Its other options, the Platinum plan and Platinum Plus (which start at $64.99 and $74.99), combine more home systems and appliance coverage, with the top plan being the most comprehensive.
Learn more: ARW Home review
ARW Home offers concise, easy-to-understand policies that allow Arizona homeowners to choose coverage based on their priorities and home needs. The company also provides valuable add-ons, like pool and spa coverage, as well as water and sewer line protection, making it a competitive force for homes with more complex needs.
Why We Like It
One unique feature of ARW is that it does not automatically deny coverage based on the age of your home, which is a useful policy. We also appreciate the flexibility to choose your own contractor, a perk not every provider offers. Its robust list of add-ons, including water system coverage, could make it a top choice for more amenity-heavy homes.
What We Don’t Like
You’ll be subject to a $45 cancellation fee at any time throughout the process, and some users mentioned in reviews that cancellations must be submitted by mail, which may be inconvenient. It’s a good idea to confirm the cancellation process before signing anything to avoid surprises.
Who It’s Best For
ARW Home is a solid choice for Arizona homeowners who are starting out with kitchen-focused coverage, or homeowners living in an older home who want a plan that doesn’t penalize them based on the age of their appliances or systems. Its flexible coverage makes it ideal for buyers who want to ensure the essentials are covered while also having the option to expand.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
Customer feedback for ARW remains varied. While some homeowners highlighted the company’s reliable service dispatch and friendly customer support, others shared issues with claims processing delays, unclear coverage details and the mail-in cancellation requirement. As always, we advise reading plan documents closely before enrolling.
In a survey of 1,800 home warranty customers, ARW Home received favorable marks for overall satisfaction. According to our survey, 93% of ARW customers said they would recommend the company to a friend or family member, and 92% felt the plan provided good coverage for the price.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Kitchen Plus | $39.99+ | $55+ |
Platinum | $64.99+ | $55+ |
Platinum Premier | $74.99+ | $55+ |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website Compare Quotes From Top-rated Home Warranty Companies
Free, No-commitment Estimates
Based on a recent survey of 1,800 home warranty policyholders, 79% of homeowners said they spent between $801 and $900 annually on premium costs—that’s about $70 per month.
While monthly warranty costs typically fall between $27 and $100, the general midpoint lands around $60. But don’t forget to account for service fees in your total spending—these fees are what you pay every time a technician comes out to perform a repair. These typically range from $65 to $150 per visit and can raise your monthly premium depending on the plan’s setup.
Despite these charges, home warranties can save you money if you have frequent repairs, as, for example, dishwasher repairs can cost $250 on average.
Your actual home warranty rates in Arizona will vary depending on the coverage option and company you select. Plans that offer extensive coverage or include high-use systems like HVAC tend to be pricier than entry-level ones. Still, with extreme heat in the mix, it may be worth paying a bit more up front to avoid unexpected out-of-pocket service expenses later.
| ARIZONA HOME WARRANTY COSTS | ||
|---|---|---|
| Breakdown | Monthly Premium | Service Fees |
| Average cost | $60 | $65 - $150 |
| Cheapest quote | $27 | $65 |
| Most expensive quote | $97 | $100 |
Home warranties can be worth it in Arizona, but it depends on a few factors.
If you have a brand-new home with many items still covered under a warranty, or you’re particularly handy and confident that you’ll be able to handle home repairs, then a home warranty may not be worthwhile.
However, if you have an older home with appliances and systems that are not covered by builders’ or manufacturers’ warranties, then a home warranty can be worth it in the case of unexpected repairs. In this case, it’s smart to evaluate the costs of a home warranty (both premiums and service fees) with average repair costs for home items in Arizona.
If you are thinking about maintaining other items besides the washer with a home warranty, your plan can authorize repairs for a wide array of items for a fairly flat monthly fee, plus a fee for each visit that is typically much smaller than you’d pay on your own.
Home warranties can also be worth it for peace of mind—if your AC system breaks in the heat of an Arizona summer, a home warranty company can send over a trusted pro to perform a repair. If your system and repair are covered under your plan, you’ll only need to pay the service fee.
Choosing a home warranty plan is a decision unique to you, your home and the systems and appliances you’d most like to cover. However, every homeowner can keep some factors in mind to make the best home warranty plan pick possible, and there are a few factors Arizona homeowners should especially consider.
HVAC systems (a.k.a your heating, ventilation and cooling systems) are some of the most commonly covered items in home warranty plans, and it’s easy to see why. HVAC repairs are not only costly (running around $400 for an average repair), but they can make your home uncomfortable or even dangerous in some cases. After all, the last thing you want is your HVAC system going out during a heat wave. That can cause dangerously high temperatures in your home.
We recommend looking into the best home warranties for hvac coverage for greater peace of mind, no matter where you call home, but especially in Arizona.
To choose the right home warranty plan, start by assessing your home’s current systems and appliances. Identify which ones are newer—some may still be covered by a manufacturer’s warranty—and which are aging and more likely to need repairs or replacement soon. You’ll also want to consider which items could be especially costly to fix. Major systems like plumbing and electrical, or large appliances, often fall into this category due to how involved the repairs can be.
Once you’ve built out a solid understanding of what’s most at risk or most expensive to replace, compare it with what home warranty companies cover. Look for plans that align with both your budget and your unique needs. Approaching it more thoughtfully can help ensure you select a plan that’s actually worth the investment, and one that protects what matters most in your home.
Before choosing a home warranty company, take time to explore the sample contracts they often make available online. These sample contracts can offer you a more comprehensive idea of what you’re signing up for, including key details like cancellation policies, renewal conditions and—most importantly—coverage exclusions.
For example, a provider may advertise roof leak coverage, but only when the damage is caused by normal wear and tear and only up to a capped amount, like $5,000. Being familiar with contract specifics allows you to reach out to the company with questions before committing. These limitations are especially relevant in Arizona, where severe weather can add wear and tear to systems like HVAC or appliances that may already be aging.
Your budget is arguably the most important element of the home warranty provider research process. If you don’t have the money for a specific plan, then why consider it? To save time, we suggest comparing plans and premiums against what you can spend and eliminate any options that don’t work for your financial plan.
Customer reviews are an important part of determining which home warranty company is best for you. We recommend reading through recent reviews (from the past year or so) to get the most accurate picture of customer satisfaction. Other tips include searching for specific keywords you’re particularly interested in (such as “washer repair” or “cancellation fee”) and looking for reviews from other homeowners in Arizona. Referrals can also be helpful here, so be sure to ask people you know in your area to see if they have a plan they’d recommend.
Home warranties are regulated in Arizona by the Arizona Department of Insurance.
Home warranty companies in Arizona must register with the Arizona Department of Insurance. You can find helpful info about home warranty service contracts on the department website and lodge any complaints there.
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Home warranties can protect you against unexpected expenses. Click on your state today to find out more.
What a home warranty will cover in Arizona will depend on the company and plan you choose, rather than your location. Some plans focus on home systems like HVAC, plumbing and electrical; others, such as home appliance insurance options cover appliances like stoves, fridges and ice makers; and other plans combine the two for more complete coverage.
Generally, a home warranty plan will cover repairs based on typical wear and tear for these appliances and systems. So, if your water heater suddenly stops working and it’s under your plan, the repair may be covered. The easiest way to determine what your home warranty plan covers (and to what extent) is to check your contract and contact your chosen company with any questions.
Before you rely too heavily on your home warranty, it’s crucial to understand not just what it covers, but what it doesn’t. Even if a system or appliance is listed in your plan, that doesn’t automatically mean every repair will be fully paid for.
A major factor affecting coverage is what is causing the system or appliance issue. Home warranties are made to aid in situations of normal maintenance, not when damage is caused by external events or human error. So if a tree hits your roof, your home warranty company may not step in. Those situations are typically handled by homeowners insurance.
Then there are coverage caps to consider. Let’s say your water heater suddenly breaks—even if the issue is eligible for coverage, your provider may only reimburse a portion of the cost. These limits vary by plan and can significantly impact what you’ll pay out of pocket. That’s why it’s essential to speak with your home warranty company if you’re unsure about specific coverage details. The fine print matters, and getting clarity up front can help you avoid unexpected costs down the line.
Compare Quotes From Top-rated Home Warranty Companies
Home warranties can protect you against unexpected expenses. Receive a custom quote today.
To better understand current home warranty trends in Arizona and across the U.S., we surveyed 1,800 homeowners who have been home warranty customers within the last 12 months. Homeowners in the Southwest shared their experiences with coverage, how they use their plans and their opinions on home warranties in general, including feedback on the companies they chose.
If you’re looking for a home warranty provider in other states, select your state from the list below.
Best Home Warranty Companies By State
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 19 companies and 58 plans, with each company’s star rating determined by evaluating several metrics and subcategories, including years of experience, sign-up and restrictions, plan pricing, fees and discounts, coverage features and more. We also utilize our in-house consumer sentiment analysis, which includes over 146,000 first-person insights, as well as our net promoter score survey (NPS), in which our team asked over 1,800 policyholders about their home warranty, to decide the best home warranty company.
You can find out more about how Forbes Home rates home warranty companies in our detailed methodology page.
A home warranty may cover existing issues, depending on the provider you go with, though it’s not guaranteed. The plan you select and general company policies will decide whether a preexisting condition can be included in coverage. Speak with a representative about your particular situation.
Depending on where you reside in Arizona, you may see more home warranty companies featuring roof coverage, though it’s not guaranteed that all companies will offer the same level of protection. Roof coverage is rare, though, and when it is included, coverage looks more like routine wear-and-tear roof repairs. If you live in an area prone to roof damage, you may want to look into a home insurance policy, which more commonly offers roof coverage.
To get the most out of your home warranty experience, you first need to enroll in a plan that covers the systems or appliances you care most about. The home warranty company has certain limits and caps on specific systems and appliances, and these details will be laid out before you sign up. You’ll pay a premium, usually monthly, to stay enrolled in the plan. When you submit a claim for an issue you’re having, you can also expect to pay a certain fee in advance of a technician arriving at your home. Then, the technician will address the issue. If your situation is covered under your plan, you likely will not see any other fees.
Ashlyn is one of Forbes Home's in-house writers and a former civil engineer-turned content writer with over six years experience. Until recently, Ashlyn focused on creating content for Forbes Home as a freelance writer. Her areas of expertise range from home improvement, moving services, home warranties and home security. As a homeowner and tireless DIY enthusiast, Ashlyn combines her deep knowledge and practical expertise to provide valuable insights and advice. Her dedication to enhancing homeowners' understanding and skills in managing their properties has been the cornerstone of her writing career.
Sami Allen is the managing editor at Forbes Home, with over seven years of experience in the home space and 10 years of editing experience.
