Best 7 Home Warranty Companies in Tampa, FL
- Fact Checked
- Updated 2024-06-22 00:00:00
When temperatures rise and humidity increases, the last thing you want is for your air conditioning to fail. This essential system is critical in Florida, and when it breaks down, it can cost thousands of dollars to fix. Luckily, a home warranty can help you save money when your systems and appliances break. Read on to discover our list of the best home warranty companies in Tampa, Florida.
Ratings are based on our detailed proprietary methodology and review standards.
- 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
Ratings are based on our detailed proprietary methodology and review standards.
- 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
Ratings are based on our detailed proprietary methodology and review standards.
- 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
7 Best Home Warranty Companies in Tampa
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
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
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
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
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
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
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
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 Tampa
- Average Max Temperature:82°F
- Average Min Temperature:65°F
- Average Annual Snowfall:0.0”
- Homeownership Rate:59%
- Median Home Size:1,847 sqft
- Median Home Price:$393,061
Are Home Warranties Worth It for Tampa Residents?
Home warranties are beneficial for Tampa residents. Tampa summers are very hot, which makes it extremely important that your air conditioner works well. However, over time this system can malfunction from heavy use.
Tampa has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 a year, based on 120 quotes we received from home warranty companies across the nation.
Tampa's heavy rain can also affect your home's roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair.
Finally, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet every service provider they use. If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you determine the best home warranty plan for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans generally cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will increase your monthly price.
Coverage
Figure out which systems and appliances you use most often. You want your home warranty plan to cover these items. Most plans can be tailored to your needs, and many providers offer systems-only plans for those who only need select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. 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 cover only normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude cosmetic issues or appliance components, theft, routine maintenance, or defects. You can find your provider's exclusions and limitations in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.
Provider Reputation
Provider reputation is another important factor to consider. You can find customer reviews on sites such as Google Reviews, Best Company, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles claims and customer service. Check with the Florida Division of Consumer Services to verify that a provider holds a license with the state.
Contractor Network
Consider a home warranty company's network of service providers. Ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. If you can, use a provider that mentions contractors you're familiar with. Homeowners in rural areas should consider going with a home warranty provider that customers choose their technician. Rural areas may not have any in-network service providers available, and customers might need to source their own.
Frequently Asked Questions about Home Warranty in Tampa
No, Tampa doesn't require homeowners to have a home warranty. However, we still recommend purchasing one, as it helps you maintain a budget to cover expensive appliance and system breakdowns. It'll also save you time that would be otherwise spent searching for a reliable service technician.
A preexisting condition is a breakdown or issue a home system or appliance experienced before coverage began. Most providers don't cover preexisting conditions. You should purchase a home warranty policy when all your systems and appliances still work for complete protection.
Tampa's best home warranty provider depends on your specific needs. Liberty Home Guard is an excellent choice if you require unique coverage. Consider American Home Shield for comprehensive coverage limits.
Yes, home warranties cover many home items besides common appliances and systems. For example, home warranties cover pools and spas, stand-alone freezers, well pumps, sump pumps, septic systems, and more. Providers normally cover these items as add-ons. Check with a company representative to see what add-ons are available.
Home warranty policies typically don't cover already broken items. Therefore, most home warranty providers have a waiting period of 30 days before the start of coverage to ensure appliance and system breakdowns are from normal wear and tear rather than preexisting conditions.
Homeowners insurance provides coverage for damage from possible hazards, such as due to natural disasters and accidents. In contrast, a home warranty covers repairs and replacements of home systems and appliances that break down due to normal wear and tear.
The length of a home warranty varies depending on the company. Plans generally last for a year, and you can renew at the end of your contract.
More Home Warranty Resources
Sources
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