When your dishwasher breaks, your garage door stops working, or another home system or appliance fails due to normal wear and tear, a home warranty can protect against the high cost of repairs or replacements. There are multiple home warranty companies available, so it can be challenging to determine which one is right for you.
Our team did the research for you. We analyzed the best home warranty companies in the United States and chose the best options for Nevada, comparing plan options, pricing, customer ratings, and more. Read on for our top recommendations.
Summary of the Best Home Warranty Companies in Nevada
Our team compared the top home warranty companies on the metrics below to help you distinguish between them. The monthly cost figures in the table represent the national averages we calculated per provider after pulling 120 quotes across multiple states.
| Best For | Monthly Cost | Service Fee | Response Time | BBB Rating | Link | ||
|---|---|---|---|---|---|---|---|
| American Home Shield |
|
Best for Comprehensive Coverage | $64–$74 | $100–$125 | Up to 48 hours | B | VISIT SITE |
| Liberty Home Guard |
|
Best Customer Ratings | $49–$60 | $65–$125 | Up to 48 hours | A+ | VISIT SITE |
| First American Home Warranty |
 |
Best Appliance Coverage | $60–$76 | $75–$125 | 4-48 hours | B | VISIT SITE |
| AFC Home Club |
 |
Best for Customization | $48–$55 | $75–$125 | 24-48 hours | B | VISIT SITE |
| American Home Shield | |
|---|---|
| Logo |
|
| Best For | Best for Comprehensive Coverage |
| Monthly Cost | $64–$74 |
| Service Fee | $100–$125 |
| Response Time | Up to 48 hours |
| BBB Rating | B |
| Liberty Home Guard | |
|---|---|
| Logo |
|
| Best For | Best Customer Ratings |
| Monthly Cost | $49–$60 |
| Service Fee | $65–$125 |
| Response Time | Up to 48 hours |
| BBB Rating | A+ |
| First American Home Warranty | |
|---|---|
| Logo |
|
| Best For | Best Appliance Coverage |
| Monthly Cost | $60–$76 |
| Service Fee | $75–$125 |
| Response Time | 4-48 hours |
| BBB Rating | B |
| AFC Home Club | |
|---|---|
| Logo |
|
| Best For | Best for Customization |
| Monthly Cost | $48–$55 |
| Service Fee | $75–$125 |
| Response Time | 24-48 hours |
| BBB Rating | B |
*BBB ratings are accurate as of August 2023.
Nevada’s Top 4 Home Warranty Companies
Review the highest-rated home warranty companies in Nevada:
- American Home Shield: Best for Comprehensive Coverage
- Liberty Home Guard: Best Customer Ratings
- America’s 1st Choice Home Club: Best for Customization
- First American Home Warranty: Best Appliance Coverage
All cost information in this article is based on quotes we obtained for a 2,000 square-foot, single-family home in Carson City, Nevada.
American Home Shield
Best for Comprehensive Coverage
Liberty Home Guard
Best Customer Ratings
AFC Home Club
Best for Customization
First American Home Warranty
Best Appliance Coverage
What Is the Cost of a Home Warranty in Nevada?
Based on our research, a home warranty in Nevada costs an average of $58 monthly or $696 annually. However, the policy premium isn’t the only cost you’ll pay to use your home warranty. Companies charge a service call fee each time you file a claim. Our research shows the average service call fee ranges from $75 to $125 per claim.
Note that providers will only pay up to the total coverage limit of each covered item. For example, if an air conditioning system replacement costs $4,000 and your home warranty covers air conditioners up to $3,500, you’ll be responsible for the remaining $500.
How Do Home Warranties Work in Nevada?
Home warranty companies find reputable service providers in your area to repair or replace your systems and appliances in exchange for a monthly or annual fee. They also cover the cost to repair or replace those items up to a certain amount. When your covered item breaks down, you must submit a claim to your provider online or over the phone. Once your provider receives your claim, it will search for an in-network specialist and send them to your home to assess the problem, typically within 24 to 48 hours. Note that if you submit a claim after normal business hours, your provider may take longer than 48 hours to send a technician to your home.
Factors To Consider Before Buying a Nevada Home Warranty
A home warranty is an investment you shouldn’t take lightly. There are several factors to consider before purchasing one, such as your budget, coverage needs, and location. To ensure you buy the right home warranty, we suggest the following:
Check for Builder’s or Manufacturer’s Warranties
If you bought a newly constructed home, chances are it has a builder’s warranty. Nevada requires home builders to cover a new home’s built-in systems for one year. You may not need a systems plan if your home is still protected under the builder’s warranty. Similarly, if you recently purchased new appliances, you may not need an appliance-only plan. Most new appliances include manufacturer’s warranties that are valid for 12 to 24 months. That said, consider purchasing a home warranty after the builder’s and manufacturer’s warranties expire so your essential systems and appliances remain covered.
Research Company Reputation
Another crucial factor to consider is a company’s reputation. Sites such as the Better Business Bureau (BBB) rate and list company profiles publicly. Look up the provider’s name on the BBB site to see its rating and accreditation. Read customer reviews, be wary of complaint patterns, and only consider companies with at least a C rating.
Understand the Claims Process
It’s important to understand a provider’s general claims process for several reasons. First, you want a provider that openly shares how it handles claims from beginning to end. Second, you want to ensure the provider has a vetting process for its service technicians. Finally, you should confirm whether you can use your own contractor if you already have someone you trust. Some home warranty companies allow you to choose your preferred technician as long as they’re licensed.
How To Choose the Best Home Warranty Company in Nevada
Living in Nevada’s arid climate requires a working air conditioner during the warmer seasons. Due to the relatively high cost of HVAC system repair, purchasing a home warranty that fully covers repair costs is important. You can find out a company’s air conditioner coverage limits by reading its sample contract. We suggest reviewing the fine print of at least three providers.
Another tip we suggest is considering your coverage needs. Think about the major appliances and systems you use most and purchase only the coverage you need. Also, if you own high-end appliances, pick a company that includes them in its standard plans to ensure sufficient coverage.
Who Should Consider Purchasing a Home Warranty Plan in Nevada?
Any homeowner who wants to stay ahead of repair and replacement costs for major appliances and home systems should consider purchasing a home warranty in Nevada. Whether you live in Las Vegas or Carson City, as a homeowner, home seller, home buyer, or real estate professional, you can benefit from home warranty coverage. Home warranties can make your home more appealing to buyers, and as a first-time home buyer, a warranty ensures that you won’t get stuck paying expensive repair or replacement costs out of pocket.
How Do I Find the Best Home Warranty in Nevada?
You can find the best home warranty in Nevada by doing your research. Take some of these factors into account as you navigate your options: plan and provider information, contract terms and conditions (which will explain the company’s coverage options and exclusions), claims process, maximum payouts, and service call fees.
Expert Takes on Home Warranties
We sourced experts across the nation to answer common questions homeowners have about home warranties. Some of the questions they answered are the following:
- Do older homes need a Nevada home warranty? Dave Bringer, owner and head technician of Bringer Appliance Repair, suggests home warranties for older homes for an extra layer of protection. He says, “Older homes need home warranties because their appliances and systems have most likely used their manufacturer’s warranty coverage.”
- How does a Nevada home warranty work? Ryan Hawker, co-founder of H3 Homebuyers, an Ohio-based home-selling company, explains the waiting period before you can use your home warranty. “Your coverage begins typically after 30 days of signing a contract.” He adds, “When a covered item quits working, you must call the home warranty company to file a claim. You can also submit a claim online. Once the claim is approved, the company will arrange for a preapproved service provider to come to your home within 48 hours to assess the problem.”
- Why should I purchase a Nevada home warranty? Marcus Fernandez, attorney and co-owner of Kinney, Fernandez, and Boire Law, recommends pairing a home warranty with your home insurance plan. His reasoning is the following: “[Home warranties] go beyond what your homeowners insurance covers by catering to the inevitable wear and tear of home systems and appliances, which typically isn’t covered by insurance.”
How Are Nevada Home Warranties Regulated?
Our research shows Nevada’s Division of Insurance (DOI) regulates home warranty companies. In 2019, Nevada legislators declared that home warranties fall under the same regulations as service contracts. Nevada service contract Statute 690C-150–160 outlines requirements companies must follow before selling plans within the state. For example, home warranty companies must maintain a reserve fund to pay out consumer claims in case the company goes out of business.
The DOI provides a company look-up tool to help Nevada residents find licensed home warranty companies. It also accepts complaints via an online complaint form submission.
Home warranty companies also self-regulate through industry associations. Organizations such as the National Home Service Contract Association and the Service Contract Industry Council work closely with home warranty companies to keep consumer and provider interests in mind.
How To Read Nevada Home Warranty Service Contracts
Every home warranty company offers unique coverage terms, exclusions, and limitations. However, reading a provider’s sample contract can be confusing due to the document length, excessive jargon, and not knowing what to look for. Here are some sections to fully understand as you tackle reading your Nevada home warranty contract:
- Cancellations: Familiarize yourself with the company’s cancellation policies. Some providers require you to write and mail in a cancellation letter before they process your cancellation request. Also, note any fees the provider may charge when you cancel.
- Coverage: This section is arguably the most important since it provides further detail on what items the company covers. Ensure the home warranty company covers the item you need plus its major components. For example, if you own a tankless water heater, choose a provider that lists tankless water heaters as a covered item.
- Customer service: Companies outline the methods to contact customer service and the service hours within the sample contract. It also describes the claims process and how quickly it processes your service request. We suggest contacting the provider with any questions as you read the sample contract.
- Exclusions and limitations: Carefully read the exclusions and limitations section of the sample contract. There are conditions providers don’t cover, such as preexisting conditions. Knowing what the company won’t cover can save you from an unexpected claim denial.
Our Conclusion
To find the best home warranty in Nevada, we recommend getting quotes from at least three providers listed in this article. Since plan pricing will depend on where you live, the type of coverage you select, how many add-ons you include in your plan, and the square footage of your home, it’s important to compare prices and select a plan that gives you the most coverage at the best value.
We recommend American Home Shield as our top choice for those who value comprehensive coverage. Liberty Home Guard is worth considering for homeowners who need extensive additional coverage needs. Finally, we recommend AFC Home Club for homeowners who want the peace of mind of a plan-length workmanship guarantee.
Frequently Asked Questions
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for each state and major US city below.
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 on a 5-point rating scale.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.