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Home Warranty

7 best home warranty companies in Pinellas Park, Florida

Jesus Sanchez Garcia

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Pinellas Park. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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A home warranty offers financial protection if a major home system or appliance suddenly breaks down. For a monthly fee, the warranty company covers repair and replacement costs for items such as HVAC units and refrigerators when they break down from normal use.

Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically malfunction after just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today go kaput after about 20 years.

If your Pinellas Park home has a furnace, dishwasher or any other everyday appliance within that age range, you will likely experience an unexpected breakdown. The top home warranty companies listed below offer generous coverage at affordable rates.

With the scorching summer heat in Florida, air conditioner breakdowns in Pinellas Park are that much more taxing for homeowners. A home warranty from one of the national providers listed below will give you a budget-friendly path to the future repairs you might need.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

Labor Day Sale: 50% OFF Select Plans

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3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Pinellas Park

Here's our list of the best home warranty companies in Pinellas Park:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American provides generous appliance coverage maximums in every plan. If you add the First American Advantage upgrade, miscellaneous items like appliance knobs and dials could also get protection.

What we like

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

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch Home Services provides coverage perks other companies don’t, such as a homeowners insurance deductible reimbursement. Like most home warranty companies, Cinch offers flexible service fees that raise or lower your plan premium.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Select Home Warranty plans have low premiums, and each one includes coverage for roof leaks.

What we like

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

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Pinellas Park

The typical monthly cost of a home warranty in Pinellas Park runs from $41 to $70, on par with the national average. If you're paying on an annual basis, expect to spend roughly $563.62–$927.48 per year. To calculate national cost data, we requested hundreds of quotes for 2,000-square-foot, single-family homes across each state that the providers service.

Home warranty coverage

Home warranties cover a variety of major systems and home appliances. We'll lay out a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

Washing machines
Dishwashers
Clothes dryers
Refrigerators
Built-in microwaves
Cooktops

The first category of items home warranties protect is major appliances. This category includes the following: When you purchase a home warranty, you're also getting coverage for major home systems. While different plans have different coverage scopes for this category, the following systems can be included:

Water heater
Electrical
Central vacuum
HVAC
Plumbing

What items are typically not covered under a home warranty?

Just like other service contracts, home warranties will not provide coverage for certain items or events. These are called exclusions. One thing that home warranties exclude is damage outside of normal wear and tear. For example, the warranty company could reject a claim for an AC breakdown if a dirty air filter is the cause. This is because replacing the air filter is a part of routine maintenance. Home warranties also don't cover improper system or appliance installation, preexisting conditions, acts of nature, rust or corrosion damage, cosmetic damage and hazardous waste.

Questions to ask home warranty providers in Pinellas Park

Before purchasing a home warranty coverage plan, we recommend asking providers the following questions.

What items does my policy cover?

First, determine what items need coverage before requesting a home warranty quote. Some providers separate appliance and system coverage, so verify that the company has plans to meet your particular needs. Companies might also offer additional coverage, like wells and septic tank protection, as add-ons. Consider what supplements you might need and how much they'll add to the cost.

How long is my home warranty good for?

Generally, home warranty contracts are active for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies have this 30-day waiting period to deter customers from filing claims for preexisting conditions. A home warranty may last longer than 12 months if you purchase a multiyear plan.

What contractors do you work with?

Be sure to ask about the warranty company's network of licensed service contractors. Companies will usually have strict licensing requirements and other standards for a contractor to get repair approval. If there are no partner contractors near where you live, the company might let you choose your own. You can verify a contractor's license by searching the Florida Department of Business & Professional Regulation database.

How does your claims approval process work?

Knowledge of your warranty company's claim process makes all the difference between an approval and a denial. If you're facing a covered issue, you can usually file a claim via a phone hotline or online. While most claims should have a one to two-day turnaround, there might be delays if you file outside standard business hours. If the home warranty company grants initial approval to your claim, they'll connect you to a service contractor from their network. The contractor will arrange a meeting with you to examine the appliance firsthand. Once they get final approval from the warranty company, they'll proceed to make repairs and handle billing on your behalf.

Can I transfer my policy to the next owner of my home?

If you're selling your home, you may be able to transfer your policy to the new homeowner. Some companies will handle the transfer without cost, while others levy a transfer fee. Home warranty companies may also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers can purchase these plans to raise their home's appeal in a competitive market.

Home warranty contract fine print

Before purchasing a home warranty, review the company's sample contracts and policies. Understanding a provider's terms and conditions can help you decide whether they're a good fit for you. It'll also help you advocate for yourself if you need to file a claim. Pay attention to these key stipulations and clauses:

Workmanship guarantee: Home warranties usually include workmanship guarantees of at least 30 days. If an in-network technician recently serviced your appliance or system, and you still have issues with it, the company won't charge an additional service call fee for new repairs.
Cancellation: Companies commonly detail how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
Coverage limit: Each home warranty has a coverage limit that limits how much money the company will pay per claim. There might also be an annual coverage limit or other stipulations.
Service call fee: Just like copays at the doctor or pharmacy, you'll have to pay a service call fee every time you file a home warranty claim. Most companies charge from $75 to $125 per claim.
Exclusions: Pay particular attention to the exclusions a warranty company lists in its fine print. For example, most home warranty sample contracts outline component exclusions for every item covered.

Facts about Pinellas Park

Average High in July

86°F

Pinellas Park

83°F

National Average

Average Low in January

59°F

Pinellas Park

17°F

National Average

Average Daily Sunlight

81%

Pinellas Park

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

Labor Day Sale: 50% OFF Select Plans

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Pinellas Park, Florida

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