The Best Home Warranty for Veterans in 2024

Why we picked Liberty Home Guard

Although a relatively new home warranty company, Liberty Home Guard has built its reputation thus far on providing customizable plans paired with quality customer service. Liberty allows customers to select up to 30 add-on options — more than any other service provider on our list — to create the best-suited coverage for their unique needs and budget. This feature allows veterans to tailor their home warranty to their specific needs without paying for anything they don’t need or want.

Liberty also has an easy-to-use online portal for filing and tracking claims, making policy changes and paying bills. However, if you live in Washington or Wisconsin, remember that Liberty Home Guard is currently unavailable in those states.

Note: As of April 2024 Liberty Home Guard is under review by the BBB for complaints related to its claims process, customer service and sales tactics. As of the time of this writing, the company does not hold a rating with the BBB. The company provided our team with the following statement regarding its rating:

“Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale, said David Moreno and Ben Joseph, co-CEOs and co-founders of Liberty Home Guard. “Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low, fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”

Why we picked American Home Shield

American Home Shield (AHS) is a great choice for veterans because it has a well-established reputation in the industry for in-depth coverage, fast claims processing and superior customer service. In addition, AHS has an extensive network of more than 15,000 qualified contractors throughout the U.S. and offers customizable plans to meet homeowners’ budgets.

American Home Shield also has coverage caps that may be appealing to veterans, particularly if you are living on a fixed income. AHS does not have a coverage cap for built-in systems, like HVAC and plumbing, and caps for appliances can be as high as $6,000. This means lower out-of-pocket costs in the event of major appliance repairs or the need to replace a home system, such as your electrical system.

Why we picked Select Home Warranty

Select Home Warranty stands out for its affordable roof-leak coverage. Limited roof-leak repairs on single-family homes come standard with every plan, and each plan costs $50 a month or less. Veterans may also appreciate Select’s reputation for a same-day response on repair claims.

Why We Picked Elite Home Warranty

Elite Home Warranty is another option for homeowners looking for a provider with more extensive coverage, however, the company uses aggregate coverage limits. Elite includes up to $7,000 in aggregate coverage for appliances and up to $8,000 in combined protection for systems — although many items include a lower individual limit. For example, washers and dryers have a coverage limit of $1,000, which counts toward the overall $7,000 limit for appliances.

Elite also offers coverage on 25 specific items, a potential benefit for Kansas homeowners who desire customization.

Elite Home Warranty has three plans for Kansas homeowners, each of which includes a $100 service fee: 

• Elite Appliances ($50): Covers a built-in microwave, ceiling fans, washer, dryer, dishwasher, garbage disposal, oven, range, cooktop and refrigerator
• Elite Systems ($60): Covers your air conditioning system, heating system, electrical system, garage door opener, water heater and plumbing system, including stoppages
• Elite Complete ($80): Covers all items on the appliances and systems plans

You can also upgrade your coverage with any of the following add-ons:

• Annual maintenance
• Central vacuum
• Drainage and sewer lines
• Effluent pump
• Ejector pump
• Freestanding freezer
• Freestanding ice makers
• Freestanding spa equipment
• Generator
• Geothermal heating and cooling systems
• Grinder pump
• Guest house
• Jetted and hot tubs
• Lawn sprinkler system
• Lift pump
• Limited roof-leak repair
• Pool and spa equipment
• Pool equipment
• Premium appliances
• Premium benefits
• Premium systems (with the option to add extended coverage)
• Septic system
• Sump pumps
• Water softener
• Well pump
• Wine coolers

Why we picked AFC Home Warranty

America’s 1st Choice Home Warranty (AFC Home Warranty) offers more plans than any other home warranty provider on our list, with four coverage options versus the more typical two or three. The company also offers a workmanship guarantee on all completed repairs for the length of your contract (one or three years) instead of the more standard 30- or 90-day guarantee. Like American Home Shield, AFC Home Warranty allows customers to choose their service call fee to keep their monthly payments within budget.