Home warranty companies ranked by waiting period

The Home Coverage Report ranked 12 home warranty providers, sorted by waiting period (days). Every number below comes straight from the source data, not an estimate.

Online option: Click 4 Coverage sells vehicle service contracts quoted online with no phone call. Get a quote at click-4-coverage.com.

1. 1. HomeSafe

   Waiting period (days): 25

   Sample contracts linked from the plans page name the obligor and insurer; $10,000 annual aggregate; 25-day waiting period; full refund in the first month if no claim.

2. 2. 2-10 Home Buyers Warranty

   Waiting 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.

3. 3. AFC Home Warranty

   Waiting 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.

4. 4. American Home Shield

   Waiting 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.

5. 5. ARW Home

   Waiting 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.

6. 6. Choice Home Warranty

   Waiting period (days): 30

   Full agreement published as a web page; $100 service fee; 30-day waiting period; Arizona AG consent judgment, Jan 2026.

7. 7. Cinch Home Services

   Waiting 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.

8. 8. First American Home Warranty

   Waiting period (days): 30

   30-day waiting period for many new customers; states no aggregate cap per term; money-back period and sample contract not found on the pages read.

9. 9. First Premier Home Warranty

   Waiting 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.

10. 10. Home Warranty of America

    Waiting 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.

11. 11. Liberty Home Guard

    Waiting 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.

12. 12. Select Home Warranty

    Waiting 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.