Home warranties usually include coverage for plumbing systems, such as specific types of pipe leaks and most water heaters.
Many home warranty plans also cover toilet components, seals, shower fixtures, and clogged drains accessible with a standard sewer cable.
What a home warranty covers
Unlike homeowners insurance, which covers your home’s structures and provides liability protection, home warranties safeguard your home’s non-structural systems and appliances. A home warranty complements your insurance by extending coverage to the main parts of your home — structures, systems, and appliances.
A typical home warranty plan covers the following:
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Plumbing systems, including toilet components, sump pumps, water heaters, water dispensers, garbage disposals, and sometimes whirlpool or jetted tubs.
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Electrical systems, including smoke detectors, doorbells, garage door openers, fan systems, and central vacuum systems.
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HVAC, including ductwork, air conditioning units, and heating units.
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Laundry appliances, including washing machines and dryers.
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Kitchen appliances, including ovens, stoves, refrigerators, dishwashers, built-in microwave ovens, free-standing ice makers, and trash compactors.
Call American Home Shield
on American Home Shield’s website
Monthly fees
$20 and up
Based on quotes gathered in August 2025.
Service fees
$100 or $125
per claim
States available
48
states, and Washington, D.C.
Call Choice Home Warranty
on Choice Home Warranty’s website
Monthly fees
About $49 and up
Based on quotes gathered in February 2025.
Service fees
$100
per claim
States available
49
states, and Washington, D.C.
