Best 7 Home Warranty Companies in Fort Lauderdale, FL
- Fact Checked
- Updated 2024-06-22 00:00:00
When temperatures rise and humidity increases, you want to make sure your air conditioning won't fail. This essential system is critical in Florida, but when it breaks down, it can cost you thousands of dollars to fix. Luckily, a home warranty can save you money when your systems and appliances break. Read on to discover our list of the best home warranty companies in Fort Lauderdale, Florida.
7 Best Home Warranty Companies in Fort Lauderdale
Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.
![American Home Shield Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://thisoldhouse.jppadmin.com/wp-content/uploads/sites/10/2022/05/American-Home-Shield-Logo-2022.png)
American Home Shield
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Cons
- Doesn’t let customers choose their own technician
- Offers limited add-on options
52 Years in Business
BBB Rating:B
![Liberty Home Guard Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://thisoldhouse.jppadmin.com/wp-content/uploads/sites/10/2022/05/LHG-LOGO-2022-original.png)
Liberty Home Guard
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Cons
- Lacks transparency on service call fee pricing
- Excludes coverage for known or unknown pre-existing conditions
6 Years in Business
BBB Rating:A+
![Select Home Warranty Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://thisoldhouse.jppadmin.com/wp-content/uploads/sites/10/2022/05/Select-Home-Warranty-250x125-1.png)
Select Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides low service fees compared to other home warranty providers
- Includes two extra months of coverage in annual signup
- Has an appliance-only, systems-only, and combo plan option
Cons
- Has a $75 cancellation fee
- Low coverage caps
11 Years in Business
BBB Rating:B-
![AFC Home Warranty Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://d37zyl8vccu3u7.cloudfront.net/images/partners/afc-home-warranty.webp)
AFC Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides an unlimited workmanship guarantee
- Offers generous appliance coverage limits
- Allows you to choose your own contractor
Cons
- Limits coverage limits for older items based on depreciated value
- Requires you to file a claim immediately after discovering an issue
14 Years in Business
BBB Rating:B
![First American Home Warranty Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://thisoldhouse.jppadmin.com/wp-content/uploads/sites/10/2022/05/logo_fahw.png)
First American Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Allows you to choose your service call fee
- Doesn’t have a coverage cap on heating, cooling, or ductwork
- Accepts 24/7 service calls
- Offers replacement of some covered items that are too damaged to repair
Cons
- Doesn’t let customers choose their own contractor
- Charges higher for coverage compared to other providers
39 Years in Business
BBB Rating:B
![Cinch Home Services Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://thisoldhouse.jppadmin.com/wp-content/uploads/sites/10/2022/05/Cinch-Logo.0.png)
Cinch Home Services
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers home insurance deductible of $500
- Extends a long 180-day workmanship guarantee
- Provides generous $10,000 aggregate coverage limit
Cons
- Charges high service fees of $75-$150
- Doesn’t allow customers to choose their own technician
- Isn’t available in Hawaii or Alaska
45 Years in Business
BBB Rating:B
![2-10 Home Buyers Warranty Logo](https://whoapro.io/cdn-cgi/image/width=384,quality=75,format=avif/https://thisoldhouse.jppadmin.com/wp-content/uploads/sites/10/2022/05/2-10-Home-Buyers-Warranty-Logo-2022.png)
2-10 Home Buyers Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers a $25,000 annual coverage cap
- Pairs plans with a plan-length workmanship guarantee
- Offers unique perks such as color matching appliance replacements
Cons
- Charges a monthly processing fee if you choose monthly premiums
- Excludes washer and dryer coverage from most plans
39 Years in Business
BBB Rating:A-
BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.
Facts about Fort Lauderdale
- Average Max Temperature:83°F
- Average Min Temperature:70°F
- Average Annual Snowfall:0.0”
- Homeownership Rate:62%
- Median Home Size:1,380 sqft
- Median Home Price:$530,557
Are Home Warranties Worth It for Fort Lauderdale Residents?
Yes, home warranties are beneficial for Fort Lauderdale residents. Summers in Fort Lauderdale are very hot, which makes it extremely important that your air conditioner is working well. However, over time this system can malfunction from heavy use.
Winters in Fort Lauderdale are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
Fort Lauderdale's heavy rain can damage your home's roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair.
Lastly, home warranties connect you with reliable service providers. Reputable home warranty companies vet each service provider they work with. If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when picking your home warranty plan.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee every time you file a claim. These fees can range from $65–$125 per claim. Comprehensive home warranty plans typically cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.
Coverage
You can often find home warranty plans that cover specific appliances and systems. Decide whether you want coverage for major systems (like air conditioning), specific appliances, or for both. Then ask your provider what its options are for customized coverage. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude cosmetic issues or appliance components, routine maintenance, theft, or defects. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand your plan's terms and conditions.
Provider Reputation
Also, consider provider reputation when choosing a plan. You can read customer reviews on sites such as Trustpilot, Best Company, and Google Reviews or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to learn how providers handle customer service and claims. Check with the Florida Division of Consumer Services to verify a provider's state license.
Contractor Network
Consider a home warranty company's network of service providers. Your company should always send licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so you want the option to source your own.
Frequently Asked Questions about Home Warranty in Fort Lauderdale
No, home warranties are not required in Fort Lauderdale. However, we still recommend purchasing a home warranty to help you maintain a budget for covering expensive system and appliance breakdowns. Home warranty providers also help you save time by sourcing reputable technicians themselves.
Preexisting conditions are breakdowns or issues experienced by a home appliance or system before warranty coverage begins. Providers usually don't cover preexisting conditions. Try to purchase a home warranty policy while all your systems and appliances are still in working order to ensure complete protection.
The best home warranty in Fort Lauderdale depends on what you're looking for. American Home Shield is a good choice for comprehensive coverage limits. You might also consider Liberty Home Guard if you need unique coverage.
Yes, home warranties cover many types of home items other than common appliances and systems. For example, home warranties cover well pumps, pools and spas, sump pumps, stand-alone freezers, septic systems, and more. Providers normally cover these items as add-ons. Check with your provider to see what add-ons are available.
Home warranty policies typically don't cover already broken items. Therefore, most home warranty companies have a waiting period of 30 days before the start of coverage to ensure system and appliance breakdowns are from normal wear and tear rather than preexisting conditions.
The normal process for resolving claims is straightforward. When an appliance or system stops working, check your home warranty contract to make sure the item is covered. You can then reach out to the provider to file a claim. You can call or use the provider's online portal. You pay the service fee, and your provider sends a professional contractor to your home to diagnose and repair the issue.
More Home Warranty Resources
Sources
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