Best Home Warranty Companies In Ohio Of 2025

• 2-10 Home Buyers Warranty: Best Overall
• Home Warranty of America (HWA): Best Service Response Times
• Liberty Home Guard: Best Cost and Plan Options
• American Home Shield: Best for Unique Home Features
• ARW Home: Best Value

To find the best home warranty companies in Ohio, we looked at things like monthly premiums and service fees, policies, contractor choice policies and more.

2-10 Home Buyers Warranty

4.7

Learn More

Read Forbes' Review

Best For

Best Overall

Monthly Fee

$32.00 - $72.00+

Hvac Coverage

Yes

Home Warranty of America (HWA)

4.5

Get A Free Quote

On HWA's Website

Best For

Best Service Response Times

Monthly Fee

$46.08 - $59.92+

Hvac Coverage

Yes

Liberty Home Guard

4.5

Get A Free Quote

On Liberty Home Guard's Website

Best For

Best Cost and Plan Options

Monthly Fee

$49.99 - $59.92+

Hvac Coverage

Yes

American Home Shield

4.4

Get A Free Quote

On American Home Shield's Website

Best For

Best for Unique Home Features

Monthly Fee

$29.99 - $79.99+

Hvac Coverage

Yes

ARW Home

4.3

Learn More

Read Forbes' Review

Best For

Best Value

Monthly Fee

$39.99 - $74.99+

Hvac Coverage

Yes

COMPANY	OUR RATING	BEST FOR	MONTHLY FEE	HVAC COVERAGE	LEARN MORE
2-10 Home Buyers Warranty	4.7	Best Overall	$32.00 - $72.00+	Yes	Learn More Read Forbes' Review
Home Warranty of America (HWA)	4.5	Best Service Response Times	$46.08 - $59.92+	Yes	Get A Free Quote On HWA's Website
Liberty Home Guard	4.5	Best Cost and Plan Options	$49.99 - $59.92+	Yes	Get A Free Quote On Liberty Home Guard's Website
American Home Shield	4.4	Best for Unique Home Features	$29.99 - $79.99+	Yes	Get A Free Quote On American Home Shield's Website
ARW Home	4.3	Best Value	$39.99 - $74.99+	Yes	Learn More Read Forbes' Review

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• First American Home Warranty: First American Home Warranty has 40 years of experience in the industry and offers three different plans. The first is the Basic Plan, starting at $42, which offers appliance coverage. Next, the Essentials Plan adds HVAC coverage for $57 monthly. The last plan, the Premier Plan, gives you even deeper coverage for $77. However, you won’t be able to use your own contractor.
• AFC Home Warranty: AFC Home Warranty stands out as a great home warranty provider choice due to its inclusion of four policy options—more than most competitors—built to suit varying customer preferences in Ohio. Plans start at $41 per month for the Silver Plan, which includes essential appliance coverage, and go up to $95 monthly for the Diamond Plan, which provides comprehensive coverage for 22 home appliances and systems. You won’t get coverage for preexisting problems with AFC, though.
• Choice Home Warranty: Choice Home Warranty has been around for over a decade and keeps things simple by offering two plans: the Basic Plan and the Total Plan. With the first plan, which begins at roughly $47 per month, you’ll get coverage for common home appliances and systems. The Total Plan starts at $55 and raises the coverage to additional items. However, you won’t be able to choose your own contractor.

We recently conducted a survey of 1,800 customers with home warranty policies and discovered that 80% of homeowners reported spending between $801 and $900 per year on their home warranty premium payments. This amounts to around $70 per month.

Typically, monthly home warranty costs range from $27 to $100, or $60 on average. To reach a more accurate rate for you, you’ll also need to factor in service fees, which you’ll need to pay each time you work with a contractor to come to your home to perform a repair under your home warranty plan. These usually range from $65 to $150 per visit, and the cost of your service fee 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.

How much your home warranty will cost in Ohio will vary based on the plan and company you choose. Plans that cover a plethora of systems and appliances will cost more than your barebones plans. Add-ons will also raise your cost. Plans that include HVAC coverage may cost more than those without it, but can be well worth it in the extremely low winter temperatures in some parts of Ohio.

OHIO HOME WARRANTY COSTS
Breakdown	Monthly Premium	Service Fees
Average cost	$60	$65 - $150
Cheapest quote	$27	$65
Most expensive quote	$97	$100

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Home warranties can be worth it in Ohio, 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 especially handy and confident that you’ll be able to take on 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 not covered by builders’ or manufacturers’ warranties, then a home warranty can be worth the cost in the case of unexpected repairs. In this case, it’s best to evaluate the costs of a home warranty (both premiums and service fees) with average repair costs for home items in Ohio.

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 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 heater breaks during the dead of an Ohio winter, a home warranty company can send over a trusted pro to perform a repair. If your system and repair are included under your plan, you’ll only need to pay the service fee.

Choosing a home warranty plan is a decision unique to you, your house 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 choice possible, and there are a few factors Ohio homeowners should especially consider.

Coverage of Your HVAC System

Many home warranty companies offer solid coverage for your HVAC system (a.k.a the heating, cooling and ventilation system). Even if you aren’t in a specifically hot part of Ohio, those one-off heat waves and winter chills can quickly remind you how crucial a properly running HVAC system is. HVAC repair costs can average at $400 on average, though it depends on what needs to be repaired, as the broader cost range is $100 to over $2,500. Though these repairs can be costly, you don’t want to take the chance of your HVAC kicking the bucket during an extreme winter storm.

Identify the Coverage You Need

To choose the right home warranty plan, start by assessing your home’s current systems and appliances. Identify which ones are recently installed—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 disruptive to fix. Major systems like plumbing and electrical, or large appliances, often fall into this category due to how complex 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 spending comfort zone and your unique needs. Approaching it more thoughtfully can help ensure you select a plan that’s actually worth the investment, one that protects what matters most in your home.

Review Your Budget Against Each Company’s Costs

Your budget is likely the most pivotal aspect of the home warranty provider research process. If you can’t shell out for a specific plan, then why look at it? To save time, we suggest comparing plans and premiums against what you can spend and scratch out any plans that don’t work for your financial plan.

Take Note of Coverage Exclusions, Limits and Sample Contracts

Before choosing a home warranty provider, take time to explore the sample contracts they frequently showcase on their websites. These documents can offer you a clearer picture of what you’re getting into, including key details like cancellation fees, renewal terms, and—most importantly—coverage limits.

For example, a provider may cover roof leaks, 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 Ohio, 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 help you to make a more informed decision and prepare you for what to expect during a winter storm or any other high-stress scenario.

Look At Reviews

Customer reviews will reveal more information about a company than you’d think. If you can, read each company’s customer ratings from the last year or two, in particular, ideally on multiple platforms. Also, think about reaching out to your community, friends, family and neighbors to get a sense of their feelings on the providers they work with.

Are Home Warranties Regulated in Ohio?

No, home warranties are not directly regulated in Ohio, but they still fall under consumer protection laws. If you have a complaint, we always encourage homeowners to first attempt to resolve any disputes directly with the company before taking further steps. Beyond that, we recommend contacting the state’s Consumer Protection Bureau under the Attorney General’s office.

How to Make Sure You’re Protected in Ohio

Even with home warranty regulations in Ohio, you can still take steps to protect your investment in a home warranty plan by noting any issues and staying up to date about your home warranty company. Here are a few tips we recommend:

1. Stay informed about the company’s track record. If you’re having issues with a company, it can help to search their profile on consumer trust sites like the BBB or Ohio’s consumer protection office. These types of sites often put out alerts for patterns of issues. You may not always need to act when you see these alerts, but they can help keep you aware of problems.
2. Take note of company policies. Knowing your home warranty’s notice period for renewals can help you avoid unexpected charges, for example, and being aware of its cancellation policy can be helpful too. Similarly, be aware of how to make service requests and the expectations for payment. The more you know, the more you can avoid problems.
3. Keep tabs on bills. Make sure you know how much the company should be charging you and when, so you can point out any billing issues. While mistakes can happen, catching them early helps refunds be issued faster.
4. Keep records just in case. It can be a good idea to document service requests, visits from contractors and payments in case of issues down the line. Similarly, having screenshots of conversations and photos of work can help when contacting the company about any problems.

What a home warranty will cover in Ohio 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 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.

Equally important as knowing what your home warranty plan covers is what it doesn’t. As mentioned above, home warranty plans cover select appliances and/or systems for repairs and replacements, but just because an appliance, system or other part of your home is listed under your plan doesn’t mean a repair or replacement will be fully covered.

For one, the reason for repair often makes a difference. These types of plans won’t necessarily help if a tree falls on your home (that’s where home insurance would often come in) or if the reason for the issue is human error. Home warranties are meant to be used for issues due to wear and tear, not necessarily for fixing damage.

Similarly, you may run up against coverage limits, so if your water heater decides to break and you need a replacement, your home warranty plan may only cover so much of the replacement costs. Situations like these are why paying attention to coverage limits is so important.

If you have any concerns about coverage limitations or questions about certain repair situations, we recommend contacting your home warranty company.

To get a clearer picture of home warranty trends in Ohio and nationwide, we surveyed 1,800 homeowners who have been enrolled in a home warranty within the past 12 months. Homeowners in the Midwest offered valuable insights on how they feel about home warranties overall, what they think of the companies they chose and what they use their plans for.

• Regarding coverage, heating was the most frequently included system in home warranty plans across the Midwest, followed by air conditioning.
• When it came to satisfaction, 93% of home warranty customers in the region said they were happy with the result of their service requests.
• If you’re unfamiliar with the home warranty market, you’re not alone—75% of policyholders in the Midwest reported this being their very first home warranty plan.
• Looking ahead, 79% of homeowners in the Midwest said they plan to re-up their warranty coverage once their existing contract comes to an end.

Not looking for a home warranty in Ohio? Select your state to find the best options for servicing 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.