While homeowners insurance shields you from unexpected events, such as fires or floods, it doesn’t protect your major systems and appliances when they break down due to normal wear and tear. A home warranty is a service contract that protects items such as your refrigerator and air conditioning as they age, covering the costs of repairs and replacements. Having this policy in place helps ensure you’re not on the hook if your water heater suddenly breaks or your electrical system is on the fritz.
To help you find the best home warranty for your Jacksonville home, the This Old House Reviews Team researched the best home warranty companies in Florida to help you determine which coverage option is right for you. Keep reading for our top recommendations.
Top 3 Home Warranty Companies in Jacksonville
The best home warranty companies in Jacksonville, FL, include:
- American Home Shield: Best for Comprehensive Coverage
- Liberty Home Guard: Best Customer Ratings
- Cinch Home Services: Best Additional Perks
American Home Shield
American Home Shield is a leading home warranty company that serves most areas in the United States, including Jacksonville. When the mid-summer Florida heat starts taking a toll on your appliances, the trusted provider’s access to more than 15,000 licensed technicians nationwide ensures your home will keep its cool without delay.
The company’s policies also cover a variety of home appliances and systems, have no age limits for covered items or limits to the number of repairs during a contract term, and come with a 30-day workmanship guarantee. Compare American Home Shield’s three plans below.
American Home Shield Plans
| Coverage | ShieldSilver™ | ShieldGold™ | ShieldPlatinum™ |
|---|---|---|---|
| Air Conditioner | x | x | x |
| Heating Unit | x | x | x |
| Ductwork | x | x | x |
| Built-in Exhaust, Vent, and Attic Fans | x | x | x |
| Main Breaker and Fuse Panel Box | x | x | x |
| Doorbell and Chimes | x | x | x |
| Interior Electrical Lines | x | x | x |
| Ceiling Fans | x | x | x |
| Garage Door Openers | x | x | x |
| Interior Plumbing Lines | x | x | x |
| Toilets | x | x | x |
| Faucets and Valves | x | x | x |
| Whirlpool Tub Motor and Components | x | x | x |
| Water Heater | x | x | x |
| Refrigerator | x | x | |
| Range/Cooktop | x | x | |
| Oven | x | x | |
| Built-in-Microwave | x | x | |
| Garbage Disposal | x | x | |
| Instant Hot/Cold Water Dispenser | x | x | |
| Laundry Appliances | x | x | |
| Roof Leak Repairs | x |
With all of American Home Shield’s policies, you can choose to include additional coverage for your electronics, pool and spa, guest unit, septic pump, and well pump.
American Home Shield Prices
The cost of any home warranty comes down to two considerations: the monthly premium you’ll pay through your contract term and the per-visit service call fee.
With an American Home Shield policy, Jacksonville homeowners can select from three service fee options: $75, $100, or $125. Depending on which service fee you choose, your monthly premium adjusts accordingly. For example, here are the prices for American Home Shield’s three plans if you choose the $75 service fee.
| Plan | Monthly Premium | Yearly Premium |
|---|---|---|
| ShieldSilver | $44.99 | $539.88 |
| ShieldGold | $54.99 | $659.88 |
| ShieldPlatinum | $74.99 | $899.88 |
Your policy’s final cost will depend on the service fee option you choose, as well as factors like the size of your home and any add-on coverage you need. For a personal quote, call 844-529-9298 or fill out this easy online form.
Liberty Home Guard
Liberty Home Guard is known for its quick service and often sends a technician out to perform a repair within 24-48 hours of receiving a claim. It also has a user-friendly online portal that allows customers to track the progress of a service request and submit reviews.
Other benefits of Liberty Home Guard include no contract requirement, optional coverage for 30 additional items on any plans, and a 60-day workmanship guarantee.
Liberty Home Guard Plans
| Coverage | Appliance Guard | Systems Guard | Total Home Guard |
|---|---|---|---|
| Clothes Washer | x | x | |
| Clothes Dryer | x | x | |
| Refrigerator with Ice and Dispenser | x | x | |
| Built-In Microwave Oven | x | x | |
| Dishwasher | x | x | |
| Garbage Disposal | x | x | |
| Range/Oven/Cooktop | x | x | |
| Ceiling and Exhaust Fans | x | x | |
| Garage Door Openers | x | x | |
| Air Conditioning System | x | x | |
| Heating System | x | x | |
| Ductwork | x | x | |
| Plumbing System | x | x | |
| Electrical System | x | x | |
| Water Heater | x | x |
Liberty Home Guard also offers optional coverage and maintenance services for the following items:
- Pool and spa
- Gutter cleaning
- Floor and carpet cleaning
- Sump pump
- Septic system pumping
- Limited roof leak coverage
- Pest control
- Central vacuum
- Standalone freezer
- Re-key services
- Second refrigerator
- Well pump
Note: This is not a full list of add-ons. For a complete list of optional coverage, click here.
Liberty Home Guard Prices
For each of its home warranty policies, Liberty Home Guard requires Florida homeowners to pay a set $60 service call fee for each technician visit—a highly competitive rate compared to other home warranty providers. In other states, Liberty Home Guard charges an $80 service call fee for one-year plans and a $70 service call fee for multi-year plans.
While this low fee impacts the company’s premium prices, its monthly and annual costs are still within the range of the national average of $40-$60 per month.
| Plan | Monthly Premium | Yearly Premium |
|---|---|---|
| Appliance Guard | $44.99 | $539.88 |
| Systems Guard | $49.99 | $599.88 |
| Total Home Guard | $54.99 | $659.88 |
Call Liberty Home Guard at 866-452-9107 or fill out this simple online form to receive a free, personalized quote.
Cinch Home Services
Cinch Home Services ensures technician support within 24 hours guaranteed, and policyholders often get service within as little as two hours after their claim is submitted. Cinch is also known for its 180-day workmanship guarantee, which is six times longer than the industry average of 30 days, offers discounts on new appliances, and provides protection for unknown pre-existing conditions.
Compare Cinch’s three coverage plans below.
Cinch Home Services Plans
| Coverage | Appliances | Built-in Systems | Complete Home |
|---|---|---|---|
| Clothes Dryer | x | x | |
| Clothes Washer | x | x | |
| Cooktop | x | x | |
| Dishwasher | x | x | |
| Food Center (Built-in) | x | x | |
| Freestanding Ice Maker | x | x | |
| Microwave (Built-in) | x | x | |
| Range | x | x | |
| Range Exhaust Hood | x | x | |
| Refrigerator | x | x | |
| Trash Compactor (Built-in) | x | x | |
| Wall Oven | x | x | |
| Air Conditioning Including Ductwork | x | x | |
| Attic Fans | x | x | |
| Ceiling Fans | x | x | |
| Central Vacuum | x | x | |
| Doorbells | x | x | |
| Electrical System | x | x | |
| Garage Door Openers | x | x | |
| Garbage Disposal | x | x | |
| Heating System Including Ductwork | x | x | |
| Instant Hot/Cold Water Dispenser | x | x | |
| Plumbing System | x | x | |
| Smoke Detectors | x | x | |
| Sump Pump | x | x | |
| Toilets | x | x | |
| Water Heater | x | x | |
| Whirlpool/Jetted Tub (Built-in) | x | x | |
| Homeowners Insurance Deductible Reimbursement – $500 | x | ||
| Air Conditioner or Water Filter Credit | x | x | x |
| Water Sensor | x | x | x |
Homeowners can also choose to add coverage for swimming pools, spas, septic systems, and well pumps.
Cinch Home Services Prices
Cinch Home Services charges higher-than-average service fees at $100, $125, and $150. Jacksonville homeowners paying $150 per technician visit can expect the following home warranty costs.
| Plan | Monthly Premium | Yearly Premium |
|---|---|---|
| Appliances | $27.99 | $335.88 |
| Built-in Systems | $32.99 | $395.88 |
| Complete Home | $39.99 | $479.88 |
Call Cinch Home Services at 844-979-0899 for a free quote or use this simple online form to get started.
What Does a Home Warranty in Jacksonville Cover?
In general, home warranties cover important systems and appliances, such as your air conditioning, plumbing, refrigerator, dishwasher, clothes washer, and clothes dryer. Below is a list of common items covered under a home warranty:
| Systems | Appliances |
|---|---|
| Heating | Refrigerator |
| Air Conditioning | Standalone Freezer |
| Electrical | Clothes Washer/Dryer |
| Plumbing | Stove/Range/Oven/Cooktop |
| Ductwork | Dishwasher |
| Water Heater | Built-in Microwave |
| Garbage Disposal |
Benefits of a Home Warranty in Jacksonville, FL
Appliances and home systems aren’t built to last forever, and a home warranty offers financial protection against unforeseen costs when problems do arise. With access to pre-screened professional technicians, quick service times, and workmanship guarantees, home warranties make it easier to keep your systems and appliances running smoothly.
How Much Does a Home Warranty Cost in Jacksonville?
Given the many add-on options, plan tiers, and service fees available among home warranty companies in Jacksonville, the cost of a home warranty can vary. Home warranty providers may also adjust quotes based on factors like your location and the size of your home.
In general, homeowners in Jacksonville can expect to pay between $25 and $75 per month in premiums—or $300 to $900 per year—and between $65 and $125 for service fees (paid at the time of service).
Our Conclusion
For the best home warranty in Jacksonville, look no further than American Home Shield for its comprehensive coverage options and flexible service call fees.
That said, industry newcomer Cinch Home Services is making waves with its quick technician turnaround times and coverage of aesthetic parts, such as knobs and handles. If you aren’t ready to make a long-term commitment—and still expect responsive service—Liberty Home Guard has you covered with its no-contract policy options.
Frequently Asked Questions
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.