The Best Home Warranty Companies in Las Vegas

Low monthly rates, affordable pool and spa fees, and AC refrigerant refills are just a few of the perks homeowners can unlock by going with one of the best home warranty companies in Las Vegas.

Best Overall

The Best Home Warranty Companies in Las Vegas Option American Home Shield

American Home Shield

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Runner-Up

The Best Home Warranty Companies in Las Vegas Option AFC Home Club

AFC Home Club

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Best Add-On Coverage

The Best Home Warranty Companies in Las Vegas Option Liberty Home Guard

Liberty Home Guard

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With a home warranty policy in place, homeowners can rest easy knowing their home’s systems and major appliances are protected should they experience issues or break down entirely. Las Vegas residents may want this form of protection in case their home systems and appliances struggle to keep up in the arid desert conditions. The best home warranties typically cover major systems that are essential to the function of the home, such as the HVAC and electrical systems, as well as appliances such as refrigerators and laundry machines. Homeowners may also have the option to add coverage on additional items.

However, the specific coverage options available to them will vary among home warranty providers, so homeowners will need to consider all their options carefully to find the plan and provider that best aligns with their needs. To aid in the search, this guide has everything homeowners need to know about the best home warranty companies in Las Vegas.

  1. BEST OVERALL: American Home Shield
  2. RUNNER-UP: AFC Home Club
  3. BEST ADD-ON COVERAGE: Liberty Home Guard
  4. BEST CLAIMS PROCESS: Choice Home Warranty
  5. ALSO CONSIDER: First American Home Warranty
The Best Home Warranty Companies in Las Vegas Options
Photo: istockphoto.com

What to Consider When Choosing One of the Best Home Warranty Companies in Las Vegas

With home warranty coverage, costs, and customer experience varying from one provider to another, homeowners will need to consider a wide variety of factors to choose the best option for their specific needs. Though home warranty reviews can shed light on the potential experience with each provider, the best way for homeowners to compare home warranty companies is by noting many key factors that will inform the overall value that a home warranty can offer.

Policies and Plans

Home warranty plans and policies can vary significantly among providers, with each company often giving customers multiple policy tiers to choose from. These tiers provide differing levels of coverage, ranging from basic to comprehensive, though it’s important to note that what one company considers standard coverage may only be available as an extra service add-on with another provider.

For this reason, homeowners will want to take the time to comb through each company’s coverage options, including both standard inclusions and any add-on services that may be available with each plan. Considering how these coverage options relate to their specific home warranty needs can help Las Vegas residents identify the right provider and policy for them.

Maximum Coverage Limit

The maximum coverage limit on a home warranty represents the total amount the home warranty company is willing to pay for repairs on covered systems and appliances. Coverage limits often vary from one provider to another, especially when it comes to specific covered items such as HVAC systems, refrigerators, and plumbing systems. Also, depending on the company, coverage limits may be applied per item or per term.

This all means that homeowners will want to pay close attention to the fine print before committing to a home warranty policy, as coverage caps can directly impact the out-of-pocket costs of coverage. Homeowners who find themselves in need of expensive repairs or replacements that exceed their coverage limit may be on the hook to pay the difference in cost.

Average Monthly Rate

Homeowners typically pay rates monthly or annually in return for their home warranty coverage, and they will likely want to know what their monthly payment might look like before choosing a plan. Comparing the up-front cost of home warranties can be tricky because there are so many policy tiers and potential add-ons that may need to be considered. The average monthly rate of each company can provide a glimpse into the affordability of its policies without digging too deep into coverage options.

While average monthly rates can be very helpful when comparing prices for each home warranty company, it’s still important to note that the exact price a homeowner pays for their coverage will depend on several factors, including the age, size, and location of their home as well as the specific coverage options they select. Because of this, obtaining an official home warranty quote is the best way for homeowners to anticipate their specific home warranty costs.

Discounts

When discussing home warranty costs, it’s important to mention that some home warranty companies offer discounts homeowners can use to reduce the total cost of their coverage. However, discount opportunities can differ greatly among providers, so Las Vegas residents may want to shop around and check out what discounts they may be eligible to receive on a home warranty.

While some companies may offer discounts to attract new customers, others may give discounts as a reward to loyal customers, and some may even create discount opportunities for homeowners who pay up front for annual or multiyear coverage. To get the best deal on their home warranty, homeowners will want to understand the potential discount opportunities that may be available to them with each provider.

Service Fee

A service fee represents the out-of-pocket cost homeowners are required to pay to schedule repairs on their covered systems and appliances. In combination with monthly rates, service fees play a huge role in determining the overall cost of coverage with each home warranty company. Depending on the provider, service fees among the best home warranty companies in Las Vegas can vary from as little as $60 to as much as $150. In addition, while some companies may standardize one fee across all policies, others may give homeowners a list of service fees to choose from.

Homeowners who find themselves having to choose from among multiple service fees should be aware that choosing a lower fee doesn’t necessarily mean reducing their overall home warranty costs. This is because lower service fees typically come with higher rates, while lower monthly rates typically come with higher service fees. As such, homeowners will need to decide where they want to save to determine which service fee option is right for them.

Waiting Period

Most home warranties begin with a waiting period: a brief window of time between when the policy begins and when the policyholder can first schedule repairs on their covered systems and appliances. Though waiting periods are common and often relatively short at around 30 days, this can create a potential gap in coverage for new customers.

However, homeowners looking to avoid coverage gaps may be able to bypass the waiting period by choosing the right company. By showing proof of their previous home warranty provider or agreeing to in-home inspection, homeowners may be able to have their waiting period waived, though it’s worth noting that these opportunities will depend on the provider, so prospective customers may need to be strategic if they want their coverage to begin without delay.

Claims Process

When homeowners find themselves with broken home systems or appliances, the last thing they want to do is navigate a long, complicated, and completely foreign claims process to schedule the repairs they need. For this reason, it’s important for homeowners to take the time to understand the claims process with each home warranty company before committing to a plan.

The methods for submitting claims, the time it takes to process claims, and the process for selecting repair technicians can all vary among providers, so to set themselves up for future success, Las Vegas homeowners will want to consider how each of these factors might impact their overall customer experience with each home warranty company.

Workmanship Guarantee

When initial repairs fail to resolve the underlying issue with a covered system or appliance, homeowners may need to request follow-up repairs to reassess the problem. But the price they pay for these additional repairs will depend entirely on the home warranty company’s workmanship guarantee.

When follow-up work is requested within the workmanship guarantee, homeowners have an added layer of protection, allowing them to schedule the work without having to pay another service fee. However, if follow-up work is requested after the workmanship guarantee has ended, homeowners will be on the hook for this additional out-of-pocket cost. Because workmanship guarantees can vary significantly from one provider to another—some may only last for 30 days, while others could run for a year or more—homeowners will want to make note of this important factor.

Our Top Picks

The best home warranty companies in the Las Vegas area may offer robust standard coverage, various add-on services, and generous coverage limits alongside affordable rates, plentiful discounts, and extra perks to bolster the customer experience.

Best Overall

American Home Shield

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Why It Made the Cut:

Alongside affordable rates and a solid list of standard coverage inclusions, American Home Shield offers homeowners some unique membership perks, including free or discounted AC refrigerant refills.

In Las Vegas, American Home Shield offers competitive prices on home warranties with an average rate of just $43 per month. Although the exact price a homeowner pays for their coverage will depend on several factors, including the age, condition, and location of the home and the specific coverage options they select, these low average rates could indicate that Las Vegas homeowners can find a good deal on a home warranty with American Home Shield. Every American Home Shield policy also comes with a coverage limit of $5,000 on one of the most critical systems in the home: the HVAC. This is an impressively high coverage cap, which may allow homeowners to cover more expensive repairs and replacements without increasing their out-of-pocket costs.

American Home Shield warranties also come with several standard inclusions that may only be available as optional service add-ons at an additional cost with other companies. This includes coverage on malfunctions due to rust, sediment, and corrosion buildup as well as coverage on undetectable pre-existing conditions, or any conditions that are not readily apparent through a basic visual inspection or mechanical test. These coverage inclusions add more value to a home warranty through American Home Shield as they enable customers to apply their policy to a wider range of repairs.

Prospective policyholders will want to note that the company’s workmanship guarantee is relatively short at just 30 days. This could result in situations where homeowners are required to pay an additional service fee for follow-up repairs if those repairs are scheduled more than 30 days after the initial work is completed. However, American Home Shield looks out for its customers in other ways. Alongside its low rates, the company gives homeowners access to unlimited or discounted AC refrigerant refills, a perk that may particularly appeal to residents of Las Vegas, who often keep their air conditioning units running all year long. Customers can also take advantage of the Frontdoor Pro program that schedules on-demand home services such as carpet cleaning and dryer vent cleaning in the Las Vegas area.

 

Specs

  • Maximum coverage limit: $5,000 (for HVAC repairs)
  • Average monthly rate: $43
  • Service fee: $100 or $150
  • Claims process: Online, phone
  • Workmanship guarantee: 30 days

Pros

  • Relatively high $5,000 coverage limit on HVAC repairs
  • Coverage for unknown pre-existing conditions included
  • Rust, corrosion, and sediment coverage included
  • Relatively low $43 average monthly rate
  • Unlimited or discounted AC refrigerant refills

Cons

  • Relatively short 30-day workmanship guarantee

Runner-Up

AFC Home Club

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Why It Made the Cut:

Locked-in rates, low pool and spa fees, and a lengthy workmanship guarantee may motivate Las Vegas homeowners to consider AFC Home Club for their home warranty needs.

Customers who choose AFC Home Club will see several benefits right away, including the fact that they can lock in their monthly rates for a period of 5 years. This means homeowners who renew their policies with AFC Home Club will be able to retain their original rate even if the company’s standard prices have increased, potentially saving them money on their coverage over time. AFC Home Club also offers to waive its standard waiting period for new customers who agree to an inspection of their home’s systems and appliances. This option can allow homeowners to avoid coverage gaps, ensuring that their home is protected without delay.

Homeowners considering AFC Home Club will want to be aware that the company will not approve any HVAC repair requests unless the policyholder can provide an annual maintenance record from a licensed technician that predates the claim by at least 12 months. This means homeowners would need to keep up on annual maintenance, and the costs associated with it, if they intend to use their HVAC coverage. However, this requirement may encourage some good habits, as routine maintenance on the HVAC system may prevent more expensive issues from occurring down the road.

When issues do occur, homeowners with plans through AFC Home Club can rest easy knowing the repairs on their systems and appliances are covered under the company’s generous workmanship guarantee, which runs the entire length of the customer’s policy. This is an incredibly long workmanship guarantee, which protects homeowners from the risk of paying multiple service fees should they need to schedule follow-up repairs on covered items. In addition, customers have the option to pick their own technician to handle repairs rather than go with one of the company’s preferred contractors. Las Vegas homeowners can also add swimming pool coverage for an additional $8 per month, or complete pool and spa coverage for $12.50 per month. This is a relatively low cost for an optional service add-on, which may be particularly appealing to residents looking to beat the heat in the Silver State.

 

Specs

  • Maximum coverage limit: $3,000
  • Average monthly rate: $54
  • Service fee: $75 to $125
  • Claims process: Online, phone
  • Workmanship guarantee: 1 or 3 years

Pros

  • Customer-selected technician option
  • Extremely long 1- or 3-year workmanship guarantee
  • 5-year guarantee on monthly rate
  • Waiting period waived with home inspection
  • Relatively low pool and spa coverage rates

Cons

  • Annual HVAC maintenance required

Best Add-On Coverage

Liberty Home Guard

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Why It Made the Cut:

With flexible payment methods, multiple service fee options, and a wide range of service add-ons, Liberty Home Guard gives customers the ability to customize their home warranty.

Liberty Home Guard gives customers a list of more than 40 service add-ons they can purchase to customize and expand the scope of their home warranty coverage. Among Las Vegas customers, the most popular add-ons include pool and spa, stand-alone freezer, water softener, in-fridge ice maker, and limited roof-leak coverage. Liberty also gives homeowners several service fees to choose from, including options as low as $60. The opportunity to choose a lower service fee can allow homeowners to minimize the out-of-pocket costs associated with scheduling repairs.

It’s worth noting that Liberty Home Guard’s rates can be somewhat high in the Las Vegas market, though this may not always be the case depending on the coverage terms the homeowner selects, among other factors. When analyzing the company’s offerings, homeowners may also notice that the coverage limit caps out at $2,000. However, it’s important to understand that Liberty Home Guard applies this limit per item, not per term, so customers won’t need to worry about cumulative costs exceeding this amount if they need to request repairs for multiple home systems or appliances.

Liberty Home Guard allows customers to pay for their coverage in monthly or annual installments, and customers who choose to pay up front for an annual or multiyear policy will be eligible to receive an extra 2 months of coverage free of charge. Customers interested in a multiyear plan who cannot afford to pay in full can instead take advantage of the company’s interest-free payment plans. These flexible payment options may make it easier for homeowners to fit a home warranty into their household budget.

 

Specs

  • Maximum coverage limit: $2,000 (per item)
  • Average monthly rate: $55
  • Service fee: $60 to $125
  • Claims process: Online, phone
  • Workmanship guarantee: 60 days

Pros

  • Wide variety of service add-ons
  • Low $60 minimum service fee
  • Flexible payment plans
  • 2 months of free coverage with annual payment

Cons

  • Relatively low $2,000 coverage limit per item
  • Relatively high $55 average monthly rate

Best Claims Process

Choice Home Warranty

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Why It Made the Cut:

For homeowners seeking a superior customer experience, Choice Home Warranty may be an obvious choice, with an impressively quick claims response time and hands-on claims support.

Customers looking to switch providers may be able to avoid gaps in their home warranty coverage by going with Choice Home Warranty, as the company offers to waive its standard waiting period for anyone with existing coverage. Prospective customers will notice that Choice Home Warranty only has two policy tiers to choose from, with no option to select coverage exclusively for the home’s core systems, such as the HVAC and electrical systems. The company also standardizes one service fee across all policies. Though some customers may find the lack of service fee options limiting, others may see it as having one less thing to worry about when selecting a plan.

When homeowners find themselves in need of repairs, those who choose Choice Home Warranty will be able to expect prompt service thanks to the company’s rapid claims response time. Choice Home Warranty’s user terms state that the company will begin contacting technicians within 4 hours of receiving a repair request, allowing homeowners to schedule repairs and get their systems and appliances back in good working condition without delay. In an effort to create a better customer experience, Choice Home Warranty also assigns multiple representatives to every claim, which could make it easier for homeowners to get in contact with someone familiar with their claim for any questions or concerns that may pop up.

 

Specs

  • Maximum coverage limit: $3,000
  • Average monthly rate: $51
  • Service fee: $85
  • Claims process: Online, phone
  • Workmanship guarantee: 60 days labor, 90 days parts

Pros

  • Quick claim response within 4 hours of service request
  • Hands-on claims support from multiple representatives
  • Waiting period waived for customers with an existing home warranty

Cons

  • Limited policy options
  • No service fee flexibility

Also Consider

First American Home Warranty

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Why It Made the Cut:

First American Home Warranty offers homeowners some unique standard coverage inclusions, including coverage on pre-existing conditions and issues caused by rust, corrosion, and sediment damage.

Policies through First American Home Warranty include coverage on issues due to rust, corrosion, and sediment damage. These types of repairs are not always available with a home warranty, so the fact that they are baked into First American’s standard coverage is unique, adding value to the policy by creating more opportunities for homeowners to put their home warranty coverage to use.

It’s worth noting that the company’s workmanship guarantee is on the short side at just 30 days, so homeowners may need to be vigilant about flagging any issues with covered repairs. Homeowners will also want to be aware that although First American Home Warranty’s average monthly rates are relatively affordable, customers who have homes larger than 4,000 square feet will incur additional size-related fees. Although this is not uncommon, this threshold is somewhat low and homeowners with larger homes may need to consider how it might impact their monthly home warranty costs.

Any extra fees may be worth the cost for homeowners to benefit from First American Home Warranty’s other robust standard coverage terms, which includes coverage on certain pre-existing conditions, including those that result from poor maintenance. This could help Las Vegas customers use their home warranty to pay for repairs even if the underlying issue predates the start of their policy.

 

Specs

  • Maximum coverage limit: $3,500
  • Average monthly rate: $54
  • Service fee: $75 to $125
  • Claims process: Online, phone
  • Workmanship guarantee: 30 days

Pros

  • Coverage for unknown pre-existing conditions included
  • Rust, corrosion, and sediment coverage included

Cons

  • Relatively short 30-day workmanship guarantee
  • Additional fee for homes over 4,000 square feet

Our Verdict

We gave the award for Best Overall to American Home Shield due to its low monthly rates, high coverage limits, standard coverage inclusions, and AC refrigerant refill offerings. The Runner-Up award goes to AFC Home Club because of the company’s locked-in rates, lengthy workmanship guarantee, and low pool and spa fees, among other perks.

How We Chose the Best Home Warranty Companies in Las Vegas

To identify the best home warranty companies in Las Vegas, it was important to analyze each company’s standard coverage inclusions, add-on coverage options, and coverage limits alongside cost factors such as average rates, service fees, and discount opportunities. Doing so helped determine which providers can offer Las Vegas homeowners the best overall value.

To better understand the potential customer experience offered by these companies, our research also involved combing through the claims process, taking note of each provider’s approach to repair requests. This process included reviewing the available methods for submitting claims, the average amount of time it takes to process claims, the procedure for selecting technicians for repairs, and the length of time those repairs are protected under the company’s workmanship guarantee.

Before You Choose One of the Best Home Warranty Companies in Las Vegas

Before homeowners can choose a home warranty company, they must understand if they need a home warranty and, if so, what their must-have coverage terms include. Do they need basic or comprehensive coverage? Which systems and appliances are they looking to protect? What is their top priority: finding the coverage they need or keeping costs low? Considering these types of questions in advance will allow homeowners to enter their home warranty search with confidence, comparing providers based on how closely each company’s offerings align with their list of needs and priorities.

Prospective policyholders will also need to consider how a home warranty might fit into their household budget. A homeowner’s warranty is just one form of coverage, with many homeowners choosing to layer home warranties and homeowners insurance for a more exhaustive approach to home protection. When comparing home warranties vs. homeowners insurance, Las Vegas homeowners may want to note that home warranties cover wear and tear, while insurance covers property damage and other losses. Homeowners who decide to pair these two forms of coverage together will need to be prepared for the added monthly costs associated with protecting their home’s systems and appliances.

Cost of Opting for One of the Best Home Warranty Companies in Las Vegas

Buying a home warranty can be a complicated decision for many reasons, but among them is the cost itself, as homeownership can quickly become expensive and some homeowners may be hesitant to commit to an additional monthly cost. But for many customers, the cost of a home warranty may be well worth paying for the benefits this type of coverage can provide. Plus, by comparing the cost of home warranty policies among providers and taking advantage of any available discount opportunities, homeowners may be able to lessen the total cost of their coverage.

On average, home warranty costs average around $600 per year, though the exact price a homeowner pays for their home warranty coverage will depend on several factors, including the age, size, condition, and location of their home as well as the specific coverage options they select. As such, Las Vegas customers may find the going rate for a home warranty in their market may not exactly match nationwide averages.

The Advantages of Opting for One of the Best Home Warranty Companies in Las Vegas

There are many reasons a homeowner might decide a home warranty is worth it for them. For the Las Vegas residents who opt for them, home warranties can provide several benefits, including the peace of mind that comes with knowing their home’s major systems and appliances are protected should they need expensive repairs or replacements. Other benefits of the best home warranties in Las Vegas include:

  • High coverage limits on various types of repairs, such as fixing broken-down or malfunctioning HVAC systems;
  • Lengthy workmanship guarantees that allow customers to schedule follow-up work if underlying problems persist even after a repair has been completed; and
  • Various service add-ons that may appeal to Las Vegas homeowners, such as coverage for pools and spas.

FAQs

From costs to coverage and customer service, homeowners have to weigh many factors to find the home warranty plan and provider that is right for them. With so much to take in, it’s understandable that homeowners might have some questions about this type of home protection. To minimize the ambiguity of home warranties, homeowners may want to review these commonly asked questions and their associated answers.

Q. How much is a home warranty in Las Vegas?

Based on the companies included on this list, a Las Vegas home warranty costs an average of $52 per month, though prices with other providers may vary.

Q. What does a home warranty cover in Nevada?

In Nevada, a home warranty primarily covers a home’s major systems and appliances, though homeowners may be able to purchase add-ons to cover additional items. In terms of coverage, it’s important to remember what a home warranty is and how it’s meant to be used. Unlike homeowners insurance, a home warranty covers wear and tear, not property damage.

Q. What are the two types of appliance warranties?

When the original manufacturer’s home appliance warranty ends, appliances can be covered by two types of warranties: extended warranties, which add more time to the original manufacturer’s warranty, and home warranties, which are offered by third-party companies and protect appliances in case they break down due to age or normal wear and tear.

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Katie Ziraldo

Contributing Writer

Katie Ziraldo is a freelance writer and data journalist with a background in personal finance and real estate. With more than a decade of professional experience, Katie specializes in simplifying complex topics to create equitable, educational content. Her portfolio of work also includes The Detroit Free Press and Huffington Post. In her free time, you can find Katie hunting for home decor or cuddled up on the couch with her furry, four-legged friends.

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