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A ranked list
Home warranty companies ranked by money-back period
Real money-back period (days) data for 11 home warranty providers, pulled October 2026.
Published . Scored by the rules on our methodology page.
The Home Coverage Report ranked 11 home warranty providers, sorted by money-back period (days). Every number below comes straight from the source data, not an estimate.
1. 2-10 Home Buyers Warranty
Money-back period (days): 30
Sample plan agreements online; $50,000 aggregate limit per term printed; 30-day waiting period; service fee set at purchase, amount not printed.
2. AFC Home Warranty
Money-back period (days): 30
Sample contracts online by plan; $75, $100 or $125 service fee; 30-day waiting period; not sold in CA, WA or HI.
3. American Home Shield
Money-back period (days): 30
Direct provider; per-state sample plan agreements online with no form; 30-day waiting period; $100 or $125 service fee in the sample.
4. ARW Home
Money-back period (days): 30
Obligors and insurer named; sample terms PDF linked from the FAQ; 30-day money-back and 30-day waiting period; service fee amount not printed.
5. Choice Home Warranty
Money-back period (days): 30
Full agreement published as a web page; $100 service fee; 30-day waiting period; Arizona AG consent judgment, Jan 2026.
6. Cinch Home Services
Money-back period (days): 30
30-day waiting period; full refund inside 30 days if no claim; quote online behind a zip and email step; sample contract only after a quote.
7. Click 4 Coverage home coverage
Money-back period (days): 30
Online quote with no phone call; 30-day waiting period with a full refund inside it; no other home terms published.
8. First Premier Home Warranty
Money-back period (days): 30
Service agreement published as a web page; 30-day waiting period; full refund inside 30 days less service costs; issuing entity not named on the site.
9. Home Warranty of America
Money-back period (days): 30
Monthly prices printed on the homepage; sample terms PDF online; $15,000 aggregate cap; 30-day waiting period; same obligor as Choice Home Warranty.
10. Liberty Home Guard
Money-back period (days): 30
Direct obligor; sample policy published as a web page; 30-day waiting period; refund inside 30 days less a $50 fee and claims paid.
11. Select Home Warranty
Money-back period (days): 30
Full terms published as a web page; service fee $65 to $200; 30-day waiting period; full refund inside 30 days if no service.