Liberty Home Guard earns praise for its flexible plans—covering systems-only, appliances-only, or combination packages—and lets you choose your own technicians. Available in all 50 states, it boasts top satisfaction ratings and offers optional add-ons for deeper coverage. Expect monthly premiums starting around $50, with service fees ranging from $70 to $125.

With over 50 years of experience, American Home Shield offers three comprehensive plans—Silver, Gold, and Platinum—that cover systems, appliances, and even roof leaks. Known for high coverage limits ($5,000 for HVAC) and nationwide availability (excluding AK and HI), it also allows you to select your own technician. Monthly premiums begin around $20, plus a service fee of $100–125.

First American's entry-level plan includes both systems and key appliances, making it a solid option for more coverage at a fair price—starting around $42/month. It offers unlimited repair caps on essential systems like HVAC and electrical, pays for wall damage repairs, and includes three tiers of plans. Coverage is available in 35 states.

Choice Home Warranty stands out with comprehensive coverage and high limits (up to $3,000 per system/appliance). It pays for wall repairs when needed and includes a 60-day workmanship guarantee. Annual payments can save you $50 and a free month of coverage, with premiums starting at roughly $49/month and $100 service fees.

Cinch offers strong systems coverage—including sump pumps, water dispensers, and smoke detectors—through plans that are available in 48 states. Known for its 180-day workmanship guarantee, Cinch stands out for wider system coverage beyond standard offerings.

AFC Home Warranty offers affordable coverage with plans starting around $43/month. Its standout feature is the lifetime guarantee on both parts and labor. With contractor choice and a Platinum plan that includes extras like microwave and ice maker coverage, AFC is a strong all-rounder.