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Audited & Verified: Oct 2, 2025, 3:06pm
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| Staff EditorIt isn’t easy to pick a home warranty in Florida. After all, there are several great options to choose from, and many homeowners have never had a home warranty before. Luckily, you’ll just need to look into a few important factors to help determine which company is right for you. These include monthly premiums, what the plan will cover and how past customers feel about the company. In Florida, you’ll also probably want to look for a company that protects your HVAC system ahead of scorching summer temperatures and includes coverage against rust and corrosion if you live on the coast.
We’ve considered all of these variables and more to help determine a list of the best home warranty companies in Florida. Our team evaluated 19 home warranty companies, obtained real quotes and observed how they stacked up against more than 100 data points to get the final list.
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 Florida were identified by us after meticulous research of dozens of influential home warranty companies and plans and took aspects like pricing and service fees, customer sentiment and more into consideration.
| 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
As a home warranty company, 2-10 Home Buyers Warranty is one to look out for in Florida, especially in recent years and offers comprehensive coverage for Florida residents. This provider aids builders, sellers and buyers alike at as low as $32 monthly for the lowest-tier plan. Whether you’re looking for plans specific to kitchen appliance coverage or a broader home warranty plan, 2-10 is an excellent option to think about.
Learn more: 2-10 Home Buyers Warranty review
2-10 Home Buyers Warranty ranked high thanks to its user-adjustable fee system. You can shape your monthly premium by modifying your service fee level, which could be ideal for homeowners wanting more cost governance. Another standout is the company’s dedicated support, offering protections for homes during the sales process and beyond.
Why We Like It
What sets 2-10 Home Buyers Warranty apart is its assorted plan flexibility. If you want one type of coverage over another, there’s a specific plan for that. If you’re seeking as much customization, 2-10’s top plan provides extras such as alarm and filter protection. Don’t forget about its optional roof leak add-on—that could be a useful addition for areas that can experience extreme weather at times.
What We Don’t Like
In Florida, 2-10 does allow selecting your own contractor, but you’ll need authorization in advance before you can proceed with a necessary repair. Also, the provider has a rather strict cancellation policy—canceling within 30 days costs $25 to start, then the price increases to 10% of your total plan cost after 30 days.
Who It’s Best For
2-10 will likely fit those homeowners who are budget-conscious in Florida and who want to guide plan expenses and control their home warranty 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
The feedback from 2-10 Home Buyers Warranty customers was overall positive and gave high marks to the providers’ services. There was some negativity in the reviews centering on claims, denials, limitations and lack of communication. These complaints came mostly from denied repairs, existing issues and response wait times. Overall, the responses did hold positivity, especially around clear communications and service expectations.
From a survey of 1,800 U.S. homeowners, 86% of 2-10 customers said they would recommend the provider, and 88% rated its value proposition as strong. These results reflect a healthy approval rate.
| 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)
Founded in 1996, Home Warranty of America (a.k.a HWA) has nearly 30 years in the home warranty industry. Plans begin at $47 per month, with varying service fees of $75 and $100. You’ll have your choice of two plans depending on your needed level of home protection in Florida.
Learn more: Home Warranty of America review
Home Warranty of America stood out for its approachable coverage structure and nationwide reach. It’s also one of the few companies offering a sustainability minded add-on designed for modern appliances. With only a standard and a premium plan, it’s a good option for homeowners who don’t want to sift through too many choices.
Why We Like It
Home Warranty of America has many features that seem designed to make customers happy. For instance, the company aims for a 48-hour response time for all service orders. The home warranty company 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 be able to choose your own contractor with HWA, which certain Florida consumers can see as limiting. Home Warranty of America also only lists two available plans, neither of which is an appliance-only plan, something that many customers want.
Who It’s Best For
This warranty works best for people who want basic protection done well. It’s especially useful for those with newer homes that don’t need heavy-duty repair 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
Overall, we saw mixed reviews for HWA, with frequently mentioned problems being unexpected expenses and long wait times for help. In contrast, more positive reviews mentioned good customer service and helpful contractors.
Survey feedback for Home Warranty of America was generally strong, though not quite as glowing as some other providers. Around 15% of respondents said they were hit with unplanned charges, which was slightly above the average. Still, HWA earned a solid value rating near 8 out of 10 when it came to value for money. Average yearly premiums hovered around $644.
| 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
Although it only has an eight-year track record, Liberty Home Guard is a favorite among customers. The company offers three plans, including one covering appliances, one centered on home systems and one offering coverage for both. With multiple options for service fees as well, you can design a plan combination that most closely fits your budget.
Learn more: Liberty Home Guard review
Liberty Home Guard made our list because it gives customers the freedom to choose their own contractor (something not all providers allow). We also liked that it supports multi-property owners under its plans. That kind of inclusiveness earns extra points for homeowners with unique living situations.
Why We Like It
Liberty has one of the largest menus of add-ons available—think saltwater pools and even window washing. That makes it a smart option for anyone looking to go beyond basic protection. Plus, the company offers multiple customer support channels like phone, chat and even text, which adds a layer of convenience when it’s time to file a claim or ask questions.
What We Don’t Like
Liberty’s cancellation fee of $50 is non-refundable, and it might feel unnecessary if you’re still mid-contract. The $2,000 limit on covered repairs could leave you supplementing costs if your systems are older or on the pricier side.
Who It’s Best For
Liberty is likely the best choice for those who want to choose between an appliance-only and systems-only plan. It can also be a good choice for a combined plan for customers willing to pay a bit more.
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
When looking into this company, we noticed generally mixed reviews from customers. When users seemed satisfied with services, they tended to mention good customer service and timely help. However, there were negative sentiments that mentioned delays in service, coverage limitations and denied claims.
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. For a company just eight years in, that’s a good sign.
| 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
With an impressive legacy in the home warranty industry, American Home Shield is one of the most established providers on our list. The company boasts three varied choices starting at $29.99 and increasing $79.99 for the top-tier plan. While the bottom-tier plan covers just systems, the middle-tier option combines appliance and system coverage and the top plan adds perks and higher coverage caps.
Learn more: American Home Shield review
American Home Shield allows Florida customers to choose between monthly or annual contract options. We appreciate that customers can choose a systems-only plan with this company, 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 an affordable way to get coverage. It even includes heating and cooling coverage, which can come in handy in Florida, as the weather can get extremely hot.
Why We Like It
American Home Shield is a strong fit for diverse homeowners in Florida, offering specialized add-ons such as coverage for code violations and undetected preexisting issues. It also extends coverage to less traditional homes like mobile homes, condos and manufactured properties. The company typically processes claims within 24 to 48 hours and includes an optional virtual diagnostic tool to speed up repairs. Even the most entry-level plans include HVAC coverage, a necessity in the region’s unpredictable climate.
What We Don’t Like
The approval process for outside technicians can be more involved than normal with AHS. Similarly frustrating is canceling your policy—canceling after 30 days means you’ll need to pay an administrative fee equal to a monthly fee.
Who It’s Best For
This provider (while not perfect), is an ideal choice for practical homeowners who are seeking strong appliance and system coverage without the constraints of being tied to drawn-out contracts.
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 regarding AHS was mixed to negative in our research. Some customers praised the efficiency in solving their issues, but others expressed concerns about contractor professionalism and higher-than-expected pricing.
We surveyed 1,800 home warranty customers to gain feedback on their experience with companies like American Home Shield. Users highly recommended the provider, with 83% saying they would recommend AHS to family if given the opportunity. Even more, 84% said the company’s documentation was easy to read and understand.
| 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
This provider shines in Florida for its meticulously laid out plan structure, especially for homeowners who want the kitchen to hold the center of attention. With three easy-to-understand plans, including the targeted Kitchen Plus Plan. ARW caters to both basic and all-in-one coverage needs. Whether you’re in an aging home or just want customizable add-ons, ARW offers competitive protection at an accessible price.
Learn more: ARW Home review
ARW Home is this editorial team’s top choice for Florida homeowners who want no-frills plan structures with focused coverage. The company offers three intuitive plans, each designed to support different household priorities. We like that ARW includes HVAC in its middle option, making it practical for homes facing seasonal HVAC demands.
Why We Like It
Our team appreciates ARW’s non-automatic exclusion policy for aged homes, which is a niche plus that many competitors do not offer. If your appliances and systems are still working, they can typically be repaired by ARW. We also love that you can choose your own contractor.
What We Don’t Like
ARW charges a $45 cancellation fee at any time throughout the process, and some users reported that they had to send cancellation requests by mail, which was 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 strong choice for Florida homeowners who are starting out with kitchen-focused coverage, or homeowners with older homes who want a plan that doesn’t penalize them based on the age of their appliances or systems. Its flexible coverage makes it excellent 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 reviews for ARW Home are generally mixed. Although some customers heaped praise on the company’s speedy turnaround time on claims and positive experiences with customer service representatives, others took issue with their customer service experience. Other complaints included trouble canceling policies and disputes with claims coverage.
In a survey of 1,800 home warranty customers, ARW Home received strong marks for customer sentiment. According to our survey, 93% of ARW customers said they would recommend the company to others, 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 Based on a current survey of 1,800 home warranty policyholders, 81% 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 national average lands around $60. But don’t forget to account for service fees in your total spending—they’re what you pay every time a contractor comes out to complete a repair. These typically fall between $65 and $150 per visit and can affect your monthly premium depending on the plan’s setup.
Even still, home warranties can save you money if you have frequent repairs, as water heater repairs can cost $600 on average.
Your actual home warranty costs in Florida will depend on the coverage option and provider you select. Plans that offer broad coverage or include high-use systems like HVAC tend to be pricier than entry-level ones. If you want to add coverage for things like roof leaks or corrosion—especially relevant in coastal Florida—expect to pay extra. Still, with extreme heat in the mix, it may be worth paying a bit more in advance to avoid unexpected out-of-pocket service expenses later.
| FLORIDA HOME WARRANTY COSTS | ||
|---|---|---|
| Breakdown | Monthly Premium | Service Fees |
| Average cost | $60 | $65 - $150 |
| Cheapest quote | $27 | $65 |
| Most expensive quote | $97 | $100 |
Find the top ranked home warranty company in your area
Home warranties can protect you against unexpected expenses. Click on your state today to find out more.
Home warranties can be worth it in Florida, but it depends on a few factors.
If you have a brand-new home with lots of 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 for you.
However, if you have an older home with appliances and systems that are no longer under builders’ or manufacturers’ warranties, then a home warranty can be worth the cost in the case of unexpected repairs. In this case, it’s wise to evaluate the costs of a home warranty (both premiums and service fees) with average repair costs for home items in Florida.
If you plan to maintain other items besides the washer with a home warranty, your plan can authorize repairs for a wide array of items for one 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 a Florida summer, a home warranty company can send over a trusted pro to perform a repair. If your system and repair is covered under your plan, you’ll only need to pay the service fee.
Compare Quotes From Top-rated Home Warranty Companies
Free, No-commitment Estimates
Choosing a home warranty plan is a decision unique to you, your home and the systems and appliances you’d most like to protect. However, every homeowner can keep a few factors in mind to make the best home warranty plan pick possible, and there are a few factors Florida 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 for good reason. 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 top home warranties for HVAC coverage for greater peace of mind, no matter where you call home but especially in Florida.
In addition to HVAC coverage, you should take a look at your home’s systems and assess what’s fairly new (and what may even still be under warranty), as well as what is nearing the end of its life and may need repair or replacement soon. You should also think about the systems that may be quite costly or inconvenient to repair, such as larger appliances and home systems like electrical or plumbing.
Once you consider all of this, compare your list against what home warranty companies cover and which plans fit your budget and coverage needs. By taking a holistic approach and considering your unique coverage needs, you can choose a home warranty plan that is worth your money.
Sample contracts are often available for viewing on each home warranty company’s website, and our team suggests reviewing these so you get a better understanding of what you could be getting into. You’ll learn details like terms of renewal, coverage caps, exclusions or payout limits and cancellation fees, which will guide you toward your final answer on which company is best for you.
Coverage exclusions and limitations are specifically important for Florida residents who frequently see extreme weather in certain months, as HVAC systems can fail and cause you to reach your limit quickly. Ensure you know what these limits entail so you’ll know how to handle a summer heat wave.
Monthly costs as well as annual premiums will decide which policies are within your price range. From there, you can narrow down your list of potential providers and compare plan pricing. Our team recommends comparing several providers’ pricing and plan models to get a better idea of which will best suit you and your home. We looked at ranking the cheapest home warranty companies available also.
There is no better way to learn about a company’s reputation than online customer reviews and sentiments. If local reviews are accessible, that’s even better. Neighbors, family, friends and those in your community can help you better understand which companies you should consider.
Home warranties are regulated in Florida by the Florida Office of Insurance Regulation. You can file any complaints as needed on the department’s website.
In Florida, most home warranty companies offer broad coverage of most home systems and appliances, but overall, coverage depends on the particular company you’re working with, the plan you choose and any add-ons. You’ll see that many providers offer tiers of coverage; some tiers only cover basic systems or appliances, while others broaden the scope to a mixture of appliance and system coverage.
Typically, your home warranty company will offer coverage for wear-and-tear repairs. For example, if your water heater kicks the bucket, you may not have to pay out of pocket for those repairs. Check your contract for what is and isn’t covered.
Before you get too comfortable with your home warranty coverage, it’s crucial to understand not just what it protects, but what it doesn’t. Even if a system or appliance is included 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 intended to aid in situations of normal wear and tear, not when damage is caused by out-of-the-ordinary events or human error. So if a coastal flood damages your HVAC system, don’t expect your warranty to step in. Those scenarios are typically handled by homeowners insurance.
Then there are coverage caps to consider. Let’s say salty air corrodes equipment in your coastal Florida home—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 reach out to your home warranty provider 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.
To help get a sense of home warranty trends in Florida and around the country, we surveyed 1,800 homeowners who have had a home warranty plan in the last year. Homeowners in the Southeast gave us the following insights about how they use their plan, how they feel about home warranties generally and the companies they chose.
Best Home Warranty Companies By State
Select your state from the list below to find more home warranty companies that provide coverage in your area.
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, signup 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 come to the conclusion of the best home warranty company.
You can find out more about how Forbes Home rates home warranty companies in our detailed methodology page.
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Home warranty plans typically don’t cover mold problems. One way you can help prevent any mold issues, though, is to ensure your chosen home warranty plan offers comprehensive HVAC coverage. A well-attended-to HVAC system means a lower risk of mold growth.
Depending on your specific area in Florida, you may see more home warranty plans 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 plan, which more often offers roof coverage.
No, you do not need a home warranty in Florida, though having one certainly has its advantages. If you are purchasing a home in the Sunshine State and want to be totally protected in your long-term investment or you know that your appliances or systems are older, a home warranty can help reduce big repair or replacement bills.
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topics and has extensive experience researching and reporting on topics that will help make your house a home.
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.
