Buying a home in Florida brings sunshine and ocean breezes, but also high humidity, hurricane-season storms, salt air, and soaring repair costs. Air conditioning runs nearly year-round, plumbing faces corrosion, and electrical systems endure lightning strikes and power surges. When an unexpected breakdown hits, repairs can cost thousands and take days to schedule, especially during peak summer or after severe weather.

That’s where a home warranty helps. Unlike homeowners insurance, which covers disasters like fire or hurricane damage, a warranty covers breakdowns caused by normal wear and tear on key systems and appliances. It simplifies repairs, controls costs, and gives homebuyers peace of mind as they settle into a new property.

To help you navigate the market, we analyzed the leading home warranty providers available to Florida buyers in 2025. We focused on companies with strong coverage for AC systems, roof leaks, plumbing, and appliances, as well as fast claim responses during hurricane season, and clear, reliable contracts. Here are the eight top home warranty companies for Florida homebuyers this year.

Snapshot: Florida’s Top 8 Home Warranty Picks

• Liberty Home Guard – Most customizable protection with top-rated service
  
  
• First Premier Home Warranty – Affordable starter plans for first-time buyers
  
  
• The Home Service Club (HSC) – Fast coverage activation and broad system protection
  
  
• Sears Home Services – Big-name reliability with strong appliance coverage
  
  
• AFC Home Warranty – Flexible service options and solid contractor choice
  
  
• Total Home Protection – Budget-friendly plans with key Florida add-ons
  
  
• Choice Home Warranty – Simple, straightforward coverage for busy buyers
  
  
• American Home Shield (AHS) – Longstanding brand with high payout caps
  
  

How We Evaluated Florida Home Warranty Providers

Florida’s climate and housing market are unique, so our evaluation criteria went beyond price:

• Cooling System Protection
   AC is essential almost year-round. We rated coverage for central air, ductwork, and refrigerant as crucial.
  
  
• Storm-Related Add-Ons
   Roof leak coverage, surge protection, and pool/spa options were given significant weight for coastal buyers.
  
  
• Service Speed & Network Strength
   Fast dispatch during hurricane season and summer AC breakdowns is critical.
  
  
• Transparency & Reputation
   Clear contracts, fair claim approvals, and strong BBB or verified reviews were the most important factors.
  
  
• Value & Budget Fit
   Plans needed competitive monthly pricing, fair service fees, and solid payout limits for expensive Florida repairs.
  
  
• Ease for New Homeowners
   Policies with simple onboarding, quick coverage activation, and accessible support received higher rankings.
  
  

Florida’s Best Home Warranty Companies

1. Liberty Home Guard: Customizable and Highly Rated for Florida Homes

Liberty Home Guard (LHG) stands out for flexible coverage, fast service, and top-notch customer satisfaction. Its three core plans, Systems Guard, Appliance Guard, and Total Home Guard, cover the basics, while its 40+ add-ons let you tailor protection to Florida living. Options include pool and spa equipment, roof leak repair, well pumps, sump pumps, pest control, and smart appliances.

LHG’s 24/7 claims platform is easy to navigate, and homeowners report quick technician dispatch, even during the summer months when AC failures are most prevalent. Its 60-day workmanship guarantee doubles the industry standard, protecting you from having to pay again if a repair fails soon after the service.

The company’s clear contracts and strong reputation make it an ideal choice for first-time Florida buyers seeking customized coverage for pools, coastal humidity, or modern appliances. While you’ll need to select add-ons to maximize protection, the ability to tailor coverage ensures that costs are aligned with your home’s unique needs.

Highlights

• Over 40 add-ons: pools, roof leaks, pest control, electronics, sprinkler systems
  
  
• 24/7 online claims filing and fast contractor dispatch
  
  
• 60-day workmanship guarantee
  
  
• High customer ratings for responsiveness and clarity
  
  

Pros: Deep customization, quick service, long repair guarantee, trusted reputation.
Cons: Add-ons are essential for full Florida-specific protection.

2. First Premier Home Warranty: Affordable Starter Protection

First Premier Home Warranty (FPHW) is an excellent entry-level option for Florida homebuyers, particularly first-time buyers on a tight budget. Its two main plans, Premier and Premier Platinum, cover core systems and appliances with straightforward pricing. The company is known for frequent promotions and low introductory rates.

Coverage includes HVAC, plumbing, and electrical, while add-ons such as roof leak repair and pool equipment help tailor the plan to Florida homes. The claims process is simple, and its customer service is available seven days a week, helping new homeowners handle unexpected issues with confidence.

However, First Premier’s payout limits are lower than top-tier providers, and its contractor network is smaller. It’s a good fit if you’re cost-conscious and want basic protection while getting settled into a new home.

Highlights

• Budget-friendly plans with frequent discounts
  
  
• HVAC, plumbing, electrical, and major appliance protection
  
  
• Roof and pool add-ons available
  
  

Pros: Affordable entry-level pricing, easy claims process, good starter coverage.
Cons: Lower coverage caps; smaller contractor network.

3. The Home Service Club: Fast Activation and Broad System Coverage

The Home Service Club (HSC) is a smart choice if you want coverage that starts quickly, ideal for buyers closing soon on a Florida property. Unlike some providers with long waiting periods, HSC’s coverage often activates within 10 days.

Plans are Standard and Comprehensive, both offering solid HVAC protection, plumbing, electrical, and key appliances. Add-ons include roof leak coverage, pool/spa systems, pest control, and well pumps. Its network of vetted technicians handles both urban and suburban Florida areas effectively.

Service reviews highlight fast claims approvals and strong support, though some customers report repair delays during peak hurricane season. HSC is best for buyers wanting a smooth start and broad coverage right after move-in.

Highlights

• Quick coverage activation for new homeowners
  
  
• Comprehensive HVAC, plumbing, and appliance protection
  
  
• Strong add-ons for roof and pools
  
  

Pros: Fast start, broad system protection, user-friendly claims.
Cons: May experience delays during storm season surges.

4. Sears Home Services: Big-Name Reliability and Strong Appliance Care

Sears Home Services leverages its long history in appliance repair to offer home warranty plans ideal for Florida buyers who value appliance protection. Plans include appliance-only, systems-only, or combo coverage, and add-ons such as roof leak, pool, and garage door opener protection.

Sears’ contractor network benefits from its national service base, and customers appreciate its experienced appliance technicians. For buyers with high-end kitchen or laundry appliances, Sears is a dependable choice.

However, its monthly pricing can run higher, and its service area response times vary outside major cities. Still, the brand reputation and appliance expertise make Sears attractive for homes filled with premium appliances.

Highlights

• Appliance repair heritage and expert technicians
  
  
• Flexible plans with roof and pool add-ons
  
  
• Nationwide service network
  
  

Pros: Excellent appliance expertise, trusted brand, clear plan choices.
Cons: Pricier than budget options; service may be slower in rural areas.

5. AFC Home Warranty: Flexible Service and Long Repair Guarantees

AFC Home Warranty (America’s First Choice) appeals to buyers who want control over repair decisions. It allows you to choose your own contractor, a rare perk in the home warranty space. This flexibility is useful in Florida, where local HVAC specialists may have faster availability than network technicians.

AFC also offers a lifetime workmanship guarantee, if a covered repair fails, you’re protected for as long as you keep your plan. Plans include systems, appliances, or combo coverage, plus add-ons for roof leaks, pool equipment, and sump pumps.

Its pricing is mid-range, and coverage caps are solid. Some buyers find the plan documents dense, but the ability to pick your own contractor is a major advantage.

Highlights

• Choose your own technician or use AFC’s network
  
  
• Lifetime workmanship guarantee on covered repairs
  
  
• Broad HVAC and pool/spa coverage options
  
  

Pros: Contractor flexibility, long-term repair protection, strong coverage caps.
Cons: Plan details can be complex; mid-range pricing.

6. Total Home Protection: Budget-Friendly Florida Coverage

Total Home Protection (THP) targets value-seeking buyers with affordable, simple plans. Its Gold and Platinum packages cover major systems and appliances, while optional add-ons include roof leaks, pools, septic, and pest control, useful for Florida homes.

THP keeps pricing competitive and promotions frequent, making it a good fit for first-time buyers or investment properties. Its customer service is available 24/7, and claims are handled online or by phone.

However, THP’s coverage caps can be modest, and service times may stretch during busy summer AC demand. Still, its affordability and straightforward structure make it appealing for budget-focused buyers.

Highlights

• Two simple, affordable plan options
  
  
• Useful add-ons for Florida weather and pools
  
  
• 24/7 claim filing and support
  
  

Pros: Budget-friendly, easy to understand, strong add-on menu.
Cons: Lower payout limits; slower service in peak summer.

7. Choice Home Warranty: Simple and Popular Among Florida Buyers

Choice Home Warranty is one of the most widely used brands nationwide and remains popular in Florida for its simple, all-in-one approach. Plans, Basic and Total, cover essential systems and appliances without overwhelming buyers with an overwhelming number of choices.

Its pricing is competitive, and roof leak protection and pool add-ons help homeowners adapt to Florida’s unique climate. Choice’s claims process is straightforward, and it’s easy for new buyers to manage.

The trade-offs: coverage caps can be moderate, and some customers report variable technician quality depending on region. Still, its simplicity and brand familiarity make it a safe pick for busy buyers.

Highlights

• Simple two-plan structure
  
  
• Competitive pricing with roof and pool add-ons
  
  
• Large national presence
  
  

Pros: Easy to understand, affordable, widely recognized.
Cons: Average coverage limits; contractor quality can vary.

8. American Home Shield: High Caps

American Home Shield (AHS) is one of the oldest and most trusted names in home warranties and shines in coverage depth and payout limits. Its plans, ShieldSilver, ShieldGold, and ShieldPlatinum, offer increasing protection, with the Platinum plan including roof leak coverage, high payout caps, and free HVAC tune-ups.

AHS is recognized for its fair claim approvals, fast dispatch, and extensive Florida contractor network. It’s an excellent fit for buyers seeking maximum coverage and fewer unexpected out-of-pocket expenses.

Pricing is higher than that of budget competitors, and plan options can initially seem complex. Still, robust caps and brand longevity make AHS a premium but reliable choice.

Highlights

• High coverage caps and comprehensive plans
  
  
• Roof leak and HVAC tune-ups included in premium tiers
  
  
• Large contractor network with strong Florida presence
  
  

Pros: Excellent coverage depth, high payouts, trusted name.
Cons: Higher cost; plan menu can feel complex.

Florida Home Warranty Companies Side-by-Side Comparison

Provider	Coverage	Add-Ons	Contractor Flexibility	Reputation	Florida Fit
Liberty Home Guard	Excellent	✓✓✓	Network only	★★★★★	Highly customizable
First Premier	Good	✓✓	Network only	★★★★☆	Affordable starter plans
Home Service Club	Strong	✓✓✓	Network only	★★★★☆	Fast activation
Sears Home Services	Strong	✓✓	Network only	★★★★☆	Appliance-focused
AFC Home Warranty	Strong	✓✓✓	Choose own tech	★★★★☆	Flexible service
Total Home Protection	Good	✓✓	Network only	★★★★☆	Budget-friendly
Choice Home Warranty	Good	✓✓	Network only	★★★★☆	Simple & popular
American Home Shield	Excellent	✓✓✓	Network only	★★★★★	High coverage caps

Why Florida Homebuyers Benefit from a Home Warranty

Purchasing a home in Florida means facing unique environmental and cost pressures:

• Year-round AC use leads to compressor failures and costly refrigerant leaks.
  
  
• High humidity and salt air corrode appliances and plumbing.
  
  
• Hurricane season storms damage roofs, pool systems, and electrical components.
  
  
• Expensive labor and materials drive up the cost of even simple repairs.
  
  
• Contractor demand surges after storms, resulting in common service delays.
  
  

A home warranty turns unpredictable breakdowns into budgetable service fees and ensures priority access to vetted contractors, helping buyers avoid long waits and big bills during Florida’s busiest repair seasons.

Smart Tips for Choosing a Florida Home Warranty as a Buyer

1. Audit your new home’s age and systems.
    Florida homes with older AC units, water heaters, or electrical systems need higher coverage caps and strong workmanship guarantees.
   
   
2. Look for storm and humidity-specific add-ons.
    Roof leak protection, surge coverage, and pool/spa options are valuable near the coast and during hurricane season.
   
   
3. Consider contractor flexibility.
    If you have a trusted local HVAC pro, a plan like AFC’s that allows you to pick your own technician can be a major advantage.
   
   
4. Balance monthly cost and service call fees.
    Lower per-visit fees can be beneficial if you anticipate multiple claims during the first few years of ownership.
   
   
5. Read reviews on claims approval fairness.
    Prioritize companies with transparent contracts and positive feedback on quick, fair resolutions.
   
   
6. Check waiting periods and activation speed.
    Some plans delay coverage up to 30 days; if you’re closing soon, look for fast-start options like The Home Service Club.
   
   
7. Understand exclusions before you buy.
    Pay attention to preexisting condition clauses, coverage caps for older ACs, and limits on roof repairs.

FAQs About the Best Home Warranty Companies in Florida (2025)

What makes Liberty Home Guard a strong choice for Florida homebuyers?

Liberty Home Guard excels with highly customizable plans that address Florida’s unique risks, including pools, roof leaks, pest issues, and humidity-driven appliance wear and tear. Its 24/7 claims system and quick contractor dispatch help during peak AC demand, and a 60-day workmanship guarantee protects buyers from having to pay again if repairs fail.

How soon can coverage begin after buying a Florida home?

Most providers have a 30-day waiting period, but some can activate in as few as 10 days, which is ideal if you want protection immediately after closing. Always confirm waiting times before finalizing your plan, especially during busy moving seasons.

Are Home Warranties Worth It for Florida Buyers?

Yes. Florida’s climate, humidity, and high labor costs make repairs unpredictable and expensive. A home warranty transforms sudden breakdowns into predictable service fees and ensures access to vetted contractors, thereby reducing stress for buyers adjusting to new properties and unfamiliar local repair networks.

Do Florida home warranties cover hurricane damage?

No. Home warranties cover wear and tear, not damage from hurricanes or floods. For storm destruction, you’ll need homeowners insurance. However, some warranties offer add-ons for roof leak repair, surge protection, and pool equipment, which help after less severe weather-related issues.

Can I choose my own contractor for warranty repairs?

Most providers assign their own technicians, provided they’re licensed and approved. This flexibility can help Florida buyers who already trust a local AC or plumbing expert and want faster service during busy seasons.

Are pools and spas covered under Florida home warranty plans?

Yes. Many providers offer optional pool and spa coverage, which is particularly vital in Florida, where outdoor living is a common practice. Liberty Home Guard has strong pool add-ons, while others may require separate upgrades. Always check coverage limits for pumps, heaters, and filtration systems.

What’s the typical service fee for Florida home warranties?

Most companies charge between $60 and $125 per service call. Lower fees mean smaller surprise costs but may come with higher monthly premiums. Florida buyers should consider the number of anticipated repairs and choose a plan that balances upfront costs with manageable per-visit charges.

Do warranties cover older AC systems in Florida homes?

Yes, but older air conditioners may have reduced payout limits or require optional upgrades. Some companies cap refrigerant coverage or exclude units beyond a certain age. If your home’s AC is 10 years old or more, look for high-capacity providers and review the fine print.

Can I switch home warranty providers after I’ve purchased one?

Yes. Florida homeowners can switch plans at renewal or after the current plan ends. Some companies require a waiting period or proof of maintenance on older systems. Switching is common if buyers want lower service fees, better add-ons, or faster claims handling.