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A ranked list
Home warranties with a sample contract you can read before buying
Only companies that post a sample contract or full terms anyone can open without giving personal details, ranked by rubric score.
Published . Scored by the rules on our methodology page.
The Home Coverage Report ranked 6 home warranty providers in yes / yes, sorted by score. Every number below comes straight from the source data, not an estimate.
1. Home Warranty of America
Score: 100
Monthly prices printed on the homepage; sample terms PDF online; $15,000 aggregate cap; 30-day waiting period; same obligor as Choice Home Warranty.
2. American Home Shield
Score: 90
Direct provider; per-state sample plan agreements online with no form; 30-day waiting period; $100 or $125 service fee in the sample.
3. Select Home Warranty
Score: 82
Full terms published as a web page; service fee $65 to $200; 30-day waiting period; full refund inside 30 days if no service.
4. 2-10 Home Buyers Warranty
Score: 80
Sample plan agreements online; $50,000 aggregate limit per term printed; 30-day waiting period; service fee set at purchase, amount not printed.
5. Liberty Home Guard
Score: 80
Direct obligor; sample policy published as a web page; 30-day waiting period; refund inside 30 days less a $50 fee and claims paid.
6. Choice Home Warranty
Score: 79
Full agreement published as a web page; $100 service fee; 30-day waiting period; Arizona AG consent judgment, Jan 2026.