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The Arizona desert can be harsh on home systems and appliances, causing them to wear down quicker than they might in other climates and locations. A reliable home warranty can be a major asset to Arizona homeowners who worry about their air conditioners, water heaters, refrigerators, and other items breaking down prematurely due to the state’s climate. Unlike homeowners insurance, which covers property damage and theft, home warranties cover normal wear and tear, helping pay to repair or replace aging or malfunctioning home systems and appliances around the house.
The best home warranty companies in Arizona can offer all the protection and coverage that homeowners are looking for in many cases, but it’s important for shoppers to review all available options and find the best fit for their particular needs. Depending on what a homeowner values most in a home warranty provider, one company may be a better choice than other top Arizona home warranty companies.
- BEST OVERALL: AFC Home Club
- RUNNER-UP: American Home Shield
- BEST CLAIMS PROCESS: Choice Home Warranty
- BEST ADD-ON COVERAGE: Liberty Home Guard
- ALSO CONSIDER: Select Home Warranty
What to Consider When Choosing One of the Best Home Warranty Companies in Arizona
Before getting too deep into their search for the best home warranty companies in Arizona, homeowners may want to think about what factors they want to prioritize. There are a lot of considerations to weigh when deciding on a home warranty provider, including cost, coverage, and the customer experience. While these are all important factors to mull over, some may be more important than others to certain homeowners, so it’s good for them to approach home warranties with a firm idea of what they need most from their provider.
Policies and Plans
The coverage terms offered by a home warranty will determine the kinds of repairs the policy will help pay for, so homeowners will always want to closely compare home warranty policies from multiple providers before making a decision. Home warranty companies tend to offer multiple plans for customers to choose from, ranging from policies that only cover appliances or only cover home systems to premium plans that cover a wider range of items in the home. Policies may also vary in terms of their coverage limits for certain types of repairs. They may cover home systems for more expensive repairs but have lower coverage limits for appliances and other repairs around the home. Prospective customers may also want to look at the available service add-ons that can be purchased to expand their coverage. These options can be a great way to customize a home warranty so customers get the right amount of coverage for their needs. For instance, homeowners who are looking for roof leak protection may want to consider the best home warranties for roof coverage.
Average Monthly Rate
Cost is always going to be an important factor when homeowners are weighing home warranty options. Comparing home warranty prices isn’t always easy, however, because of the different policy options, service add-ons, and discounts that can impact the total cost of coverage. As such, it may be helpful to look at each company’s average monthly rate, which can provide insight into the relative affordability of warranty plans. This approach takes into account all available policies offered by a home warranty company and gives customers a sense of what they might pay on a month-to-month basis in return for coverage. Once homeowners have narrowed their search to a few potential candidates, then it may make sense to take a closer look at the costs associated with each plan and determine which plan offers the most bang for their buck.
Discounts
When comparing home warranty rates, customers may want to take into account any available discounts that can be applied to policies. Home warranty companies frequently offer different types of discounts that can help lower the cost of coverage. These discounts could be available to all new customers—it’s not unusual to see home warranty providers run promotions offering steep discounts on new policies—but other discounts may be restricted to customers who meet certain eligibility standards. For instance, customers who agree to pay for a multi-year plan may receive a lower rate on their home warranty than customers who pay month to month on a 1-year policy. Taking advantage of any available discounts can help homeowners save a significant amount of money on their home warranty, so they will want to be sure to check for opportunities to lower their rate before finalizing their purchase.
Service Fee
Customers will owe a service fee when they submit a claim and request repairs for a covered item. All residential home warranty companies charge a service fee that needs to be paid before service requests are approved and technicians are assigned to jobs. These fees are extra out-of-pocket expenses that customers should take into account when comparing the affordability of the best home warranty companies. Some companies charge a flat service fee for all policies, while others will give customers the flexibility to choose from a few different options. Home warranty customers will want to note that selecting a less-expensive service fee will often increase their policy rates, while going with a higher fee will lower their rates.
Waiting Period
New home warranty customers may expect their coverage to start right away, but they will likely need to wait a certain amount of time before their policy goes into effect. Waiting periods are to be expected when buying a home warranty as companies want to avoid situations where homeowners purchase a policy to cover the cost to repair or replace items that have already broken down. A common waiting period is 30 days, but some companies may require a longer lead time before a new customer’s coverage can begin. These waiting periods can create coverage gaps, and homeowners may not be able to submit any claims on their home warranties until the waiting period ends. Note that waiting periods typically only apply to new customers; existing customers who wish to renew their policy will be able to do so without experiencing any coverage gaps.
Claims Process
Home warranty claims consist of two parts: approving the claim and scheduling a technician appointment. It’s important for homeowners to look at the total claims process so they can anticipate what exactly submitting a claim will entail. In many instances, customers will be able to file their claims entirely online, but they may also have the option to speak with a representative and submit their service request over the phone. Response times are key, since Arizona homeowners may not want to wait to schedule repairs for air conditioners, refrigerators, and other covered appliances or home systems that break down.
Home warranty companies may also have different approaches to scheduling technician appointments. Most companies will find a local contractor that’s a good fit for the job and then either put them in contact with the customer or set up an initial appointment themselves. However, some home warranty providers may give customers the option to choose their own technician, which may appeal to homeowners who have a preferred contractor they would like to use.
Workmanship Guarantee
After repairs have been completed, home warranty companies will typically guarantee the quality of the technician’s work for a certain amount of time. This is known as a workmanship guarantee, and it can run anywhere from a few weeks to the entire length of a home warranty policy. If the covered repair does not adequately address the issue and the appliance or home system continues to malfunction during this time, then the customer can schedule an additional appointment at no cost. Once the workmanship guarantee has expired, however, warranty customers may need to pay an additional service fee to bring a technician back out to take another look at the problem. A long workmanship guarantee can give homeowners peace of mind that if they run into any issues with their covered repairs then they can have the issue addressed without paying more money out of pocket.
Our Top Picks
The best home warranty companies in Arizona may not be the perfect fit for every household. It’s important to weigh the pros and cons of each home warranty provider and decide which one can provide the most value depending on a homeowner’s needs. That being said, all of the home warranty companies listed here offer some appealing features and benefits that are worth considering.
Best Overall
AFC Home Club
- Average monthly rate: $52
- Service fee: $75 to $125
- Waiting period: 30 days
- Claims process: Online, phone
- Workmanship guarantee: 1 or 3 years
Pros
- Relatively low pool and spa coverage rates
- Waiting period waived with home inspection
- Customer-selected technician option
- Long 1- or 3-year workmanship guarantee
- Free credit monitoring and identity protection services
Cons
- Add-on coverage beyond 30 days of policy purchase requires a professional inspection
Why It Made the Cut: AFC Home Club allows customers to select their own preferred technician, provides lengthy workmanship guarantees, and offers low rates on pool and spa coverage add-ons. AFC Home Club may be a terrific option for Arizona residents, especially those who would like to select their own contractor rather than rely on one chosen by their home warranty provider. The company gives all customers that option, which may appeal to homeowners who have a local contractor or handyman they trust to handle any required repairs. AFC Home Club will also guarantee any covered repairs for the entire length of the policy, which could run as long as 3 years, so customers don’t need to worry about paying additional fees for recurring issues. Customers may want to be sure that they have selected the right service add-ons when they go to purchase a policy, as any extra coverage terms that are added after 30 days may require an in-home inspection. Those service add-ons can be quite affordable in some cases, though, with rates on pool and spa coverage being especially low for Arizona homeowners. In addition, customers who are switching home warranty providers can have the 30-day waiting period waived if they can show that they already have a policy from another company. Another perk that may appeal to homeowners is the free credit monitoring and identity protection service. AFC Home Club members can sign up for this service from MoneyTips, which is an independent credit company, so they will be able to receive alerts if their personal information is exposed during a data breach or if there’s reason to believe that their identity has been compromised or stolen.
Runner-Up
American Home Shield
- Average monthly rate: $43
- Service fee: $75 to $125
- Waiting period: 30 days
- Claims process: Online, phone
- Workmanship guarantee: 30 days
Pros
- No cost limit on home system repairs
- Free or discounted HVAC tune-ups
- Unlimited or discounted AC refrigerant refills
- Relatively low $43 average monthly rate
- Additional on-demand home services available
Cons
- Short 30-day workmanship guarantee
Why It Made the Cut: Home system repairs with American Home Shield are not capped by cost limits, and customers can also take advantage of free or discounted HVAC tune-ups and AC refrigerants. Homeowners looking for a good price on their home warranty may want to consider American Home Shield. With an average monthly rate of $43, the company may be able to give customers a good deal on a policy. Customers may also save money by taking advantage of the free or discounted HVAC tune-ups—depending on which plan they select—offered by the company. American Home Shield also provides discounted or unlimited AC refrigerant refills so Arizona homeowners can keep their air-conditioning units running at peak performance all year long. It’s worth noting that the company’s 30-day workmanship guarantee is somewhat short for the Arizona market. American Home Shield does not have a cost limit on covered home system repairs, however, so customers don’t need to worry about these service requests getting denied for being too expensive. The company also manages its own network of home service providers so customers can schedule additional services, such as carpet cleaning and power-washing, that wouldn’t typically be covered by a home warranty. Only American Home Shield customers can use this network, adding more value to their home warranty plans.
Best Claims Process
Choice Home Warranty
- Average monthly rate: $51
- Service fee: $85
- Waiting period: 30 days
- Claims process: Online, phone
- Workmanship guarantee: 60 days labor, 90 days parts
Pros
- Waiting period waived for customers with an existing home warranty
- Quick claim response within 4 hours of service request
- Hands-on claims support from multiple representatives
- Around-the-clock customer support
Cons
- No service fee flexibility
Why It Made the Cut: Homeowners looking for a quick and efficient claims process may be interested in Choice Home Warranty’s responsive claims teams and 24/7 customer support. A good claims process can go a long way toward satisfying customers, and Choice Home Warranty may provide a great claims experience from start to finish. When customers submit a service request, they can typically expect to receive a response from the company’s claims team within 4 hours. They may even have a technician assigned to their claim and an appointment set up within that time frame. Multiple representatives will work on each claim, which can help speed up the process and ensure that customers are always able to speak to someone familiar with their claim if they have a question or need assistance with it. Homeowners who are interested in flexible service fee options may want to note that all Choice Home Warranty plans come with the same $85 technician fee. If customers have any concerns about their policy or wish to change their coverage terms, they can reach out to the company’s customer support staff at any time. New customers can also have the standard 30-day waiting period waived if they have an existing policy and are switching home warranty providers, which can help eliminate any gaps in coverage.
Best Add-on Coverage
Liberty Home Guard
- Average monthly rate: $55
- Service fee: $60 to $125
- Waiting period: 30 to 60 days
- Claims process: Online, phone
- Workmanship guarantee: 60 days
Pros
- Wide variety of service add-ons
- Saltwater pool coverage available
- Low $60 service fee available
Cons
- High pool and spa coverage rates
Why It Made the Cut: Liberty Home Guard offers plenty of service add-ons for Arizona homeowners to explore, including coverage for saltwater pools, as well as a low service fee option. Arizona homeowners may want to tweak their home warranty to provide better coverage, especially for appliances, home systems, and services that may not be typically included in a standard warranty plan. Liberty Home Guard offers numerous add-ons—42 in total—to expand coverage and tailor a policy to a customer’s specific needs. Some of the most popular options among Liberty Home Guard’s Arizona customers include coverage for pools, spas, ice makers, and roof leaks. Although rates for pool and spa coverage may run a little bit high, the company does offer a unique add-on for saltwater pools that require technicians with specific skills and expertise to handle repairs. This kind of coverage could be difficult to find elsewhere. Customers also have the option to choose a service fee as low as $60, which can help lower their out-of-pocket costs when they need to file a claim.
Also Consider
Select Home Warranty
- Average monthly rate: $62
- Service fee: $75 to $100
- Waiting period: 30 days
- Claims process: Online, email
- Workmanship guarantee: 60 days
Pros
- Free limited roof coverage with every policy
- 2 months of free coverage with annual payment
Cons
- High $62 average monthly rate
- Slow claim response within 96 hours of service request is possible
Why It Made the Cut: Select Home Warranty may be a good option for Arizona homeowners, offering free roof coverage with every policy along with a significant discount for customers who make annual payments. When considering their home warranty options, Arizona residents may gravitate toward companies that can give them more value for their money. Select Home Warranty offers different ways for customers to lower the cost of their policy while receiving free coverage that might otherwise cost extra with another home warranty. For instance, customers who opt to pay for a year’s worth of coverage in full, rather than make monthly installments, can receive a generous discount on their policy equivalent to 2 free months of coverage. That kind of savings may help lower the relatively high average monthly rates that Select Home Warranty offers. Customers will want to be cognizant of the company’s claim timelines, as service requests submitted outside of business hours may take up to 96 hours to receive a response. However, Select Home Warranty customers will be able to submit claims for roof leaks at no additional cost since this coverage comes free of charge with every policy. Roof leak coverage is typically offered with home warranties as an extra add-on service, so having it included as part of a standard policy could help homeowners save money on their coverage needs.
Our Verdict
AFC Home Club is our pick for Best Overall on account of the long workmanship guarantee, low pool and spa coverage rates, and option for customers to pick their own contractor rather than use a technician from the company’s network of preferred contractors. We gave Runner-Up to American Home Shield because of the low home warranty rates, generous coverage terms for home system repairs, and additional home services available to customers.
How We Chose the Best Home Warranty Companies in Arizona
When selecting the best home warranties in Arizona, we weighed the coverage options that would appeal to residents of this state. Our research looked at both standard coverage and service add-ons, including air conditioner, pool, spa, and hot tub coverage, among other options. Home warranty companies were also assessed based on their rates and fees for Arizona customers. In addition to policy rates, we weighed service fees, discounts, and optional add-on rates to ascertain the cost of coverage for each home warranty provider. The quote and claims processes also factored into our selections, including the expected response times for service requests, workmanship guarantees on covered repairs, and options to pick a technician or contractor.
Before You Choose One of the Best Home Warranty Companies in Arizona
Before buying a home warranty policy, Arizona homeowners will want to consider what type of coverage they need and determine if a home warranty is a good fit. While fire, theft, and smoke damage are not covered by a home warranty, insurance can cover those perils less the deductible. Home warranties are useful when a homeowner needs to repair or replace items that break down due to normal wear and tear, but if Arizona residents are more concerned about property damage, then they may want to check what their homeowners insurance policy already covers. However, all homeowners should understand that a home warranty policy is not a replacement for homeowners insurance; rather, a home warranty and a homeowners insruance policy can work in tandem.
It’s also important to look at the fine print of a home warranty to see if there are any notable exclusions that would prevent a customer from filing a claim. Some companies may limit coverage to newer home systems and appliances, denying repair requests for older items. In addition, home warranty companies may deny coverage for home systems and appliances that are not properly maintained. If that’s the case, home warranty customers will need to be diligent about scheduling routine maintenance and keeping their covered items in good condition.
Cost of Opting for One of the Best Home Warranty Companies in Arizona
Home warranty prices can vary depending on the amount and extent of coverage a customer needs. Home warranty companies often offer policies that exclusively cover certain home systems or appliances at a lower rate than more comprehensive plans. Homeowners considering their home warranty options will want to look beyond the base price of each policy to accurately determine the total cost of coverage. Optional service add-ons can increase home warranty costs, and Arizona homeowners may want extra coverage for saltwater pools, second refrigerators, stand-alone freezers, and other items. Taking advantage of discounts can help lower home warranty costs, though, and there may be many opportunities for customers to reduce the price of their plan.
The Advantages of Opting for One of the Best Home Warranty Companies in Arizona
A policy from one of the top home warranty companies in Arizona can help homeowners pay to repair air conditioners, refrigerators, freezers, and other home systems and appliances. Given the cost to fix or replace these items, a home warranty may be worth it for homeowners who worry about budgeting for unexpected expenses. For instance, air-conditioning systems may wear down faster in Arizona because they are constantly used all year long to keep homes cool. Home warranties can also make it easier for homeowners to schedule repairs since companies can handle all of the work needed to find and schedule a skilled technician. The best home warranty companies in Arizona offer plenty of other benefits for homeowners to consider:
- The option for customers to select their own technician who they know and trust to handle covered repairs.
- Coverage options for the spas and pools—including saltwater pools—that Arizona homeowners rely on to stay cool in the desert heat.
- Extra perks such as free or discounted HVAC tune-ups and AC refrigerant refills to keep home systems running properly.
FAQs
Homeowners who are purchasing a home warranty for the first time may have a number of questions about their coverage options, policy costs, and other aspects of a home warranty plan. Understanding how home warranties work and what to look for in a policy is key if Arizona residents want to find the right fit at the right price point. To that end, it can be helpful to take a look at some of the most common questions that people have about Arizona home warranties.
Q. How much do home warranty companies in Arizona charge on average?
The average monthly rates for the best home warranty companies in Arizona listed above can range between $43 and $62. That being said, total costs will vary depending on the coverage options selected, discounts applied, and service fees chosen. When vetting home warranty companies, Arizona residents will want to be sure to consider the full cost of coverage that each one offers.
Q. How long do home warranties last in Arizona?
In many cases, a standard home warranty will run 12 months, but companies may also offer multiyear plans at discounted rates. Customers may also be able to pay for their home warranty on a monthly basis rather than make annual payments.
Q. How long does it take for a home warranty company in Arizona to get you a home warranty?
Once new customers purchase a home warranty, they will likely need to wait a certain length of time before their coverage will begin. Waiting periods typically run for 30 days, but some companies may require more time. On the other hand, homeowners who already have a policy with another company and are looking to switch providers may be able to have their waiting period waived so coverage will start right away.
Q. Do I need to call a home warranty company in Arizona to renew my home warranty?
In some cases, customers may need to call their home warranty company to renew their plan, but they will likely be able to extend their policy online without needing to pick up a phone. It’s also possible that home warranty companies will renew plans automatically at the end of the coverage period. If that’s the case, homeowners may want to set a reminder for their renewal date so they can decide if they want to extend coverage before then.
Q. What is the difference between a home warranty and homeowners insurance in Arizona?
When comparing home warranties vs. homeowners insurance, Arizona homeowners will want to keep in mind that insurance covers structural damage, property damage, and loss of property stemming from certain covered perils. Fire, vandalism, theft, wind, and hail are all frequently covered by homeowners insurance policies. Home warranties, meanwhile, cover wear and tear from normal use. A home warranty can complement a homeowners insurance policy quite well in some cases, so it may be worth purchasing both types of coverage.
Q. Are home warranties required by the law in Arizona?
Arizona homeowners are not legally required to get a home warranty. Even so, homeowners may decide that they need a home warranty to help cover the costs to keep their home systems and appliances running properly at all times. Arizona residents may also want the extra coverage that some policies can provide to pay to repair issues related to their pools, spas, and hot tubs.