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Audited & Verified: Oct 2, 2025, 3:21pm
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| Staff EditorIf you’re looking for a home warranty company in Georgia, the options can be overwhelming. Aspects like finances, company reviews and protection for specific appliances and systems are crucial to consider before starting conversations with home warranty companies. Being that Georgia is on the coast, you may also want to think about corrosion and roof leak coverage.
To help you narrow down the plethora of home warranty company options, the Forbes Home editorial team analyzed 19 top home warranty companies and 58 plans and ranked them by obtaining 106 quotes and using 60 datapoints. We’ve also read the fine print of these companies’ plans to help you identify the best option for you.
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 top home warranty companies in Georgia were identified by us after meticulous research of several influential home warranty providers and policies and took features like premiums and service fees, customer sentiment and more into consideration.
| COMPANY | OUR RATING | BEST FOR | MONTHLY FEE | HVAC/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 boasts a variety of plan options designed to help Georgia policyholders, no matter if they’re homebuyers or sellers. Its three plans start at $32 and range from a plan that focuses on covering kitchen appliances to a more holistic home coverage plan.
Learn more: 2-10 Home Buyers Warranty review
2-10 Home Buyers Warranty caught our attention thanks to its modular pricing structure. You can shape your monthly premium by tweaking your service fee level, which could be ideal for homeowners wanting more cost governance. Another standout is the company’s seller-friendly support, offering protections for homes during the sales process and beyond.
Why We Like It
2-10 Home Buyers Warranty allows you the opportunity to focus on which features of a home warranty you care about. Want a low premium? You can opt for a higher service fee. Are you prioritizing protections for your kitchen appliances? There’s a plan for that. We also like some of the more unique elements of the provider, like its protection of filters and alarm systems with its top plan.
What We Don’t Like
This home warranty company will allow customers in Georgia to choose their own contractors, but they’ll need approval beforehand. 2-10’s cancellation policy can also be a bit inflexible—it starts at $25 for the first month but increases to 10% of your plan cost after a month.
Who It’s Best For
We think 2-10 Home Buyers Warranty is a good option for many homeowners in Georgia, especially those who want the most 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.
The sentiments from 2-10 Home Buyers Warranty customers were mostly positive and gave high praise to the providers’ services. There was some mixed feedback in the reviews centering on claims, denials, limitations and lack of communication. These complaints came mostly from denied repairs, existing issues and slow response time. Overall, the feedback was positive, especially around detailed 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)
This company offers two main coverage plans in Georgia: Select and Select+. The Select Plan starts at $46.08 monthly and includes essential coverage for key home appliances and systems. The Select+ Plan extends to that coverage, starting at approximately $60, with broader protections.
Learn more: Home Warranty of America review
Home Warranty of America stood out for its simplified coverage structure and 50-state availability. It’s also one of the few companies offering an energy-conscious add-on designed for modern appliances. With only a standard and a premium plan, it’s a solid choice for homeowners who don’t want to sift through too many choices.
Why We Like It
HWA aims for a response time of 48 hours, which we always appreciate. The company also includes an add-on called GreenPlus that entitles you to an ENERGY STAR certified appliance if covered equipment qualifies for replacement.
What We Don’t Like
With HWA, you cannot use your own repair professional, as the company assigns someone from its in-network list. And if you’re looking for plans that cover only appliances or only systems, it may not be the company for you. It’s not exactly a drawback for everyone, but it is worth mentioning.
Who It’s Best For
This warranty works best for people who want affordable home coverage. It’s especially useful for those with mid-aged systems 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 observed mixed reviews for HWA, with common issues being unexpected charges and long wait times for service. In contrast, more positive reviews mentioned good customer service and helpful contractors.
Home Warranty of America got mixed to positive marks from surveyed customers. While about one in seven respondents reported a surprise charge, the majority still said they felt the plan offered good value for what they paid. The average annual premium came in at roughly the mid-$600 range, and HWA scored a near-eight rating for overall satisfaction. The most common praise came from those who liked the energy-efficient focus and didn’t need coverage beyond the basics.
| 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
Even with a short track record, Liberty Home Guard has earned a loyal customer base in just eight years. Homeowners can choose from three core plans, including appliance-only, systems-only and combo coverage, and have flexibility when it comes to call fees. With Liberty, it’s all about customizing what works.
Learn more: Liberty Home Guard review
Liberty Home Guard made our list because it gives customers the ability to choose their own contractors (something not all providers allow). We also liked that it covers multi-property owners under its plans. That kind of coverage range earns extra points for homeowners with unique living situations.
Why We Like It
Liberty has one of the most extensive menus of add-ons available—think gutter cleaning and even ceiling fans. That makes it a flexible choice 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 Home Guard’s cancellation fee is $50, which can be a little pricey. Additionally, its plans are subject to a $2,000 maximum payout per covered item, so you’ll need to pay attention to your claims.
Who It’s Best For
Liberty is ideal for homeowners who want options they can tailor. Whether you’re interested in full-home protection, you can pick a plan that fits how your home is built. It’s also a solid choice for people managing rentals.
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 observed generally mixed reviews from customers. When users seemed satisfied with services, they often mentioned helpful customer service and timely help. However, there were negative sentiments that mentioned delays in service, coverage limitations and denied claims.
Liberty Home Guard scored fairly well on our survey of home warranty customers. When asked, 84% of customers said they were happy with the outcome of their service calls and 85% of Liberty customers in our survey said they intend to renew their plan.
| 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 a long tenure in the home warranty industry—over 50 years, making it one of the most experienced providers available. Policyholders can opt for three separate plans: ShieldSilver (from $29.99) for system-only coverage, ShieldGold (starting at $49.99), which adds appliances, and ShieldPlatinum (starting at $79.99), which increases coverage limits to $4,000 and includes additional benefits.
Learn more: American Home Shield review
American Home Shield allows Georgia customers to choose between monthly or annual contract options. We like that customers can choose a systems-only plan with this company, as well as combination plans with varying degrees of coverage. Its starter plan is also one of the most cost-effective on our list, making it an affordable protection option. It even includes heating and cooling coverage, which can come in handy in Georgia as the weather can get extremely hot.
Why We Like It
AHS has some unique features that make it stand out in Georgia, 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 strives to respond to claims in Georgia within 24 to 48 hours and sometimes offers a video diagnosis option for a quicker solution.
What We Don’t Like
Picking your own technician is allowed with AHS, but the approval process for coverage can be cumbersome. If you decide to cancel your policy after 30 days, you may also need to pay an administrative fee of up to one month’s premium.
Who It’s Best For
This provider (while not perfect) is an ideal choice for budgeting homeowners who need strong appliance and system coverage without the constraints of being locked into 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.
American Home Shield reviews are mixed overall, according to our research. Some mentioned contentment with the quality of the repairs and the quick turnaround time on services. Despite this, others pointed to being dissatisfied with the experience level of contractors, as well as noticing high pricing.
We sent a survey to 1,800 home warranty users to gain insight into their experience with companies like American Home Shield. Customers highly recommended the provider, with 83% saying they would recommend AHS to family if given the opportunity. Over 80% 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
ARW Home, formerly known as American Residential Warranty before its rebranding, started in 2008. With three comprehensive plan options, ARW includes coverage for unique home items such as electronics, water and sewer lines.
Learn more: ARW Home review
ARW Home is a great choice for Georgia homeowners who want simple plan structures with focused coverage. It offers three clear-cut plans, each designed to support different household needs. We like that ARW includes HVAC in its middle option, making it well-suited for homes facing seasonal HVAC demands.
Why We Like It
One helpful feature of ARW is that it does not outright deny coverage based on the age of your home, which is a customer-friendly policy. We also value the flexibility to choose your own contractor, a feature not every provider offers. Its practical list of add-ons, including pools, could make it a dependable option for more amenity-heavy homes.
What We Don’t Like
You’ll be subject to a $45 cancellation fee once you sign, 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 enrolling to avoid surprises.
Who It’s Best For
ARW Home is a quality option for those in Georgia who want plans with all-around coverage and especially one focused on kitchens. We also think it could be a quality option to consider for those in older 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.
Customer reviews for ARW Home are overall mixed. Although some customers heaped praise on the company’s speedy turnaround time on claims and positive experiences with customer service representatives, others had issues with their customer service experience. Other complaints included trouble canceling policies and disputes with claims coverage.
After we surveyed 1,800 home warranty policyholders, we found that ARW Home received high marks for satisfaction. In our survey, 93% of ARW customers said they’d recommend the service to friends or family, while 92% said they felt the plan provided solid value 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 We recently conducted a survey of 1,800 customers with home warranty policies and discovered that 81% of homeowners reported spending between $801 and $900 each year on their home warranty premium payments. This amounts to about $70 per month.
On average, monthly home warranty costs range from $27 to $100, or $60 on average. To reach a more accurate estimate for you, you’ll also need to factor in service fees, which you’ll need to pay each time you call on a contractor to your home to perform a repair under your home warranty plan. These usually oscillate between $65 and $150 per visit, and the price of service fees may lower or raise your monthly premium.
It helps to compare home warranty costs to average home repair costs to know if you’re getting a good deal. For example, a leaky faucet can reach up to $350 on average. Knowing average home warranty costs, you can get a better idea of what you can save, even while you’re making consistent monthly payments with a home warranty.
The cost of your home warranty in Georgia will depend on the plan you choose and from which company. Plans that cover additional systems and appliances will cost more than your barebones plans. Add-ons will also raise your cost. For instance, if you want to add roof leak or corrosion coverage in Georgia because of its location on the coast, this may cost more. Plans that include HVAC coverage may cost more than those without it, but can be well worth it in the extreme high temperatures of Georgia.
| GEORGIA HOME WARRANTY COSTS | ||
|---|---|---|
| Breakdown | Monthly Premium | Service Fees |
| Average cost | $60 | $65 - $150 |
| Cheapest quote | $27 | $65 |
| Most expensive quote | $97 | $100 |
If you live in Georgia, you may find a home warranty to be well worth it, though a handful of factors will dictate whether it truly makes sense for you.
Do you have an older home with older appliances and systems? If these items’ protection under a builder’s or manufacturer’s warranty is terminated by the time you’re looking at a home warranty, that may be a sign to get one. It would be a shame if you had to pay for an unexpected repair or replacement.
On the other hand, if you have a newer home with active warranty protections and feel good about handling some more significant repairs yourself, you may not need a home warranty.
Home warranties are not only a smart long-term investment but can also provide peace of mind if your AC breaks during the dead of summer when temperatures are super hot. With most home warranty companies, a vetted technician will execute your repair, and as long as it’s protected under your policy, the only fee you’ll have to pay is the service fee.
Compare Quotes From Top-rated Home Warranty Companies
Free, No-commitment Estimates
Selecting a home warranty plan is a personal decision based on your specific needs, your home and the systems and appliances you want to safeguard. That said, every homeowner can keep some factors in mind to make the best possible home warranty decision. Additionally, there are certain considerations that Georgia homeowners should pay extra attention to when comparing plans.
HVAC systems—your home’s heating, ventilation, and cooling—are among the most frequently covered features in home warranty plans, and it’s easy to see why. These systems are essential for year-round comfort, and when they break down, repairs can be costly, often averaging around $400, with some fixes reaching over $2,500 depending on the issue.
Even if you don’t live in an especially hot part of Georgia, unexpected weather events—like a heat wave—can quickly remind you how important it is to have an efficiently functioning HVAC system. A breakdown during extreme temperatures isn’t just uncomfortable—it can lead to dangerously high heat. We suggest exploring top home warranty plans that include HVAC coverage to protect against these risks. It’s a smart way to gain peace of mind regardless of where you live, though it’s especially important in Georgia.
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 consider the systems that may be quite costly or difficult 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 specific coverage needs, you can choose a home warranty plan that is worth your money.
Before choosing a home warranty provider, take time to explore the sample contracts they frequently showcase online. These documents can offer you a more comprehensive idea of what you’re getting into, including key details like cancellation fees, 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. Knowing specifics like that right away allows you to contact the company with questions before committing. These limitations are particularly important in Georgia, where severe weather can add wear and tear to systems like HVAC or appliances that may already be aging. Be sure to scan those sample contracts carefully—they’ll guide you toward a more informed decision and prepare you for what to expect during a summer heat wave or any other high-stress scenario.
Your budget is likely the most important element of the home warranty provider research process. If you don’t have the money for a specific plan, then why look at it? To save time, we suggest comparing plans and premiums against your budgetary restrictions and scratch out any options that don’t fit into your financial plan. For a more detailed look we put together a list of the cheapest home warranty company plans.
There is no better way to learn about a company’s reputation than online consumer reviews and sentiments. If local reviews are accessible, that’s even better. Neighbors, family, friends and those in your community can give you a better look at which companies you should consider.
Home warranties aren’t explicitly regulated in Georgia.
However, home warranty companies are still covered under consumer protection laws in the state. If you run into any issues with a home warranty company, you should always try to resolve them with the company first. If that method fails, you can file a complaint with Georgia’s Consumer Protection Bureau.
Even though home warranties are regulated in Georgia, it’s always wise to keep a few tips in mind to make sure you make a good decision when choosing a home warranty company and that the process runs smoothly. The following tips can help:
What a home warranty will cover in Georgia 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 focus on 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 breaks, and it’s under your plan, the repair may be covered. The best 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.
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Understanding what your home warranty doesn’t cover is arguably just as important as knowing what it does. As we said earlier, home warranty plans can’t guarantee coverage on every single repair or replacement for systems and appliances mentioned in your plan.
One major factor is why the repair is needed. Home warranty plans generally don’t cover damage caused by external events, like when a tree falls on your home or if a coastal flood causes damage. Those kinds of situations are usually covered by homeowners insurance, not a home warranty. Likewise, if the issue stems from human error or improper use, your claim may be denied. Home warranties are intended to be used for problems that arise from normal wear and tear, not for damage caused by accidents or weather events.
Coverage limits are another important consideration. For example, if you live along the coast in Georgia and salty air has corroded parts of your home, your warranty provider may only cover a portion of the repair costs, even if corrosion coverage is included in your plan. We recommend speaking with your home warranty provider about what exactly is and isn’t covered in your plan.
Compare Quotes From Top-rated Home Warranty Companies
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To better understand current home warranty trends in Georgia and across the U.S., we surveyed 1,800 homeowners who have had a home warranty plan within the last 12 months. Homeowners in the Southeast shared their experiences with coverage, how they use their plans and their opinions on home warranties as a whole, including feedback on the companies they chose.
Choose your state from the list below to discover more home warranty companies that serve your area.
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, 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 identify the best home warranty company.
You can find out more about how Forbes Home rates home warranty companies in our detailed methodology page.
No, home warranty plans don’t typically cover mold issues. However, keeping your HVAC systems up and running can help prevent mold and these are often included in home warranty plans.
There are a variety of factors to think about before signing up for a home warranty plan. Elements like pricing and fees, what’s covered and coverage limits, customization and company reviews are a few to think about before locking in a provider. Georgia’s likelihood of extreme heat means you’ll want to consider HVAC coverage to have peace of mind that your home will survive the scorching summer. Georgia is also a coastal state, so other home warranty coverage add-ons like corrosion coverage may be a crucial aspect of each considered plan.
A home warranty may cover existing issues, depending on the provider you go with, though it’s not guaranteed. The plan you choose and overall company policies will dictate whether a preexisting condition can be included in coverage. Speak with a representative about your specific situation.
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.
