7 Best Home Warranties for Veterans & Military Buyers in 2026
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What Is a Home Warranty?
A home warranty is a service contract designed to help cover the repair or replacement of certain household systems and appliances that break down from normal wear and tear. Many homeowners consider a homeowners warranty as a way to manage unexpected repair costs for items like heating systems, electrical components, plumbing systems, and major appliances. While often compared to best home repair insurance, a warranty works differently—it typically provides access to a service network and defined coverage for specific items rather than broad property protection.
What to Look for in the Best Home Warranty Plans
Not all plans offer the same protection, so choosing among the best home warranty plans requires looking beyond the monthly price. The most valuable plans clearly explain what is covered, how service works, and the limits that apply to repairs or replacements.
✓ Coverage Scope: Many best rated home warranty plans cover key home systems like HVAC, plumbing, and electrical along with major appliances such as refrigerators, ovens, and washers and dryers.
✓ Coverage Limits: Every home warranty plan includes repair or replacement caps. Reviewing these limits helps ensure higher-cost items like air conditioning systems have adequate protection.
✓ Service Fees: Most providers charge a service call fee when a technician visits your home. Lower monthly plans sometimes have higher service fees.
✓ Optional Add-Ons: Many best home warranties allow homeowners to add coverage for pools, well pumps, septic systems, or additional appliances.
✓ Clear Terms: The best home warranty providers clearly explain exclusions, waiting periods, and claim procedures so homeowners know exactly what to expect.
Tip: If a plan doesn’t spell out limits and exclusions clearly, keep looking.
About Select Home Warranty
Select Home Warranty provides home warranty plans designed to help homeowners manage the cost of unexpected repairs for major appliances and home systems. Founded in 2012, the company offers coverage across most of the U.S. and allows customers to submit service requests online or by phone 24/7. Select works with a nationwide network of independent service technicians to diagnose and repair covered items. Coverage generally includes protection for normal wear and tear on many household systems and appliances, subject to plan terms, exclusions, and coverage limits.
Plans & Pricing
Select Home Warranty offers three main plan options: Bronze Care, Gold Care, and Platinum Care. Bronze Care focuses primarily on appliance protection, covering items such as refrigerators, ovens, dishwashers, and laundry appliances. Gold Care is designed for major home systems including HVAC, plumbing, and electrical. Platinum Care combines appliance and system coverage into a single comprehensive plan. Customers can also expand protection with optional add-ons for items such as roof leaks, pools, spas, well pumps, sump pumps, central vacuum systems, and septic systems. Pricing varies by location and promotions, with plans often starting around $60 per month.
- Bronze Care
- Clothes Washer and Dryer, Garbage Disposal, Refrigerator, Stove/Oven, Microwave Oven (Built-In), Cooktop, Dishwasher.
- Gold Care
- AC, Cooling, Heating System, Plumbing System, Electrical System, Water Heater, and Ductwork.
- Platinum Care
- AC, Cooling/Heating System, Plumbing System, Electrical System, Water Heater, Ductwork, Clothes Washer/Dryer, Garbage Disposal, Refrigerator, Stove/Oven, Microwave Oven (Built-In), Cooktop, Dishwasher, Garage Door Opener, and Ceiling Fan.
Claims Process & Repairs
Homeowners can submit service requests online through Select Home Warranty’s customer portal or by calling customer support at any time. Once a claim is submitted, the company assigns a local service technician to diagnose the issue and perform covered repairs when approved. Service call fees are typically around $75, though pricing may vary depending on the plan and location. Repairs are performed by qualified technicians from Select’s contractor network, helping homeowners address unexpected breakdowns without paying the full cost of repairs out of pocket.
About American Home Shield
American Home Shield® is one of the longest-standing home warranty providers in the U.S., with more than 50 years of experience helping homeowners manage unexpected repair costs. The company has served millions of homeowners nationwide and works with a nationwide network of independent service contractors to complete covered repairs. American Home Shield also offers coverage for normal wear and tear on many covered systems and appliances, regardless of age, subject to plan terms and coverage limits.
Plans & Pricing
American Home Shield offers three plan options—ShieldSilver™, ShieldGold™, and ShieldPlatinum™—designed to protect many essential home systems and appliances. ShieldSilver focuses on major home systems such as HVAC, electrical, and plumbing, while ShieldGold adds coverage for common household appliances. The top-tier ShieldPlatinum plan includes expanded appliance coverage, higher coverage limits, and additional benefits such as HVAC tune-ups and roof leak coverage. Homeowners can also customize protection with optional add-ons for items like pools, spas, guest units, and septic systems.
- ShieldSilver™ Plan
- Protects 19 major systems with $50,000 annual coverage, $5,000 per HVAC system, plus partner discounts on home services and essentials.
- ShieldGold™ Plan
- Covers 23 major systems and appliances—including HVAC, plumbing, electrical, kitchen, and laundry—with up to $5,000 for HVAC and $2,000 per appliance, plus access to discounted home maintenance services.
- ShieldPlatinum™ Plan
- Covers 23 systems and appliances plus roof leaks, with up to $5,000 for HVAC, $4,000 per appliance, $1,000 for roof leaks, $250 for code violations and permits, free HVAC tune-ups, unlimited A/C refrigerant, and coverage for modifications.
Claims Process & Repairs
Homeowners can submit service requests online or by phone 24/7. Once a request is approved, American Home Shield assigns a local service contractor to diagnose the issue and perform covered repairs. Customers can typically choose a service fee option—often around $75, $100, or $125—which helps determine the monthly plan price depending on location and plan selection. Repairs completed through the network include a 30-day workmanship guarantee for added peace of mind.
About HomeSafe
HomeSafe offers home warranty service plans that help cover the repair or replacement costs of household systems and appliances that fail due to normal wear and tear. By connecting homeowners with licensed technicians and providing a structured service process, the company aims to make unexpected home repairs more manageable.
Plans & Coverage
HomeSafe provides plans that cover major home systems, appliances, or both. Coverage commonly includes HVAC, plumbing, electrical systems, and appliances such as refrigerators, ovens, and washers, with optional add-ons available for select items.
- Appliance Guard Plan
- Clothes washers/dryers, refrigerators, built-in microwave ovens, dishwashers, garbage disposals, ranges/ovens/cooktops, ceiling and exhaust fans, and garage door openers.
- Systems Guard Plan
- Air Conditioning, Heating, Plumbing, Electrical, Water Heaters, Ductwork.
- Total Home Guard Plan
- Clothes washers/dryers, water heaters, refrigerators, built-in microwave ovens, dishwashers, garbage disposals, ranges/ovens/cooktops, ceiling and exhaust fans, ductwork, garage door openers, AC, heating, plumbing and electrical systems.
Claims Process
Customers can submit claims online or through customer support once coverage begins. If approved, HomeSafe schedules a licensed technician to diagnose and repair the covered item, with a service fee typically required per visit.
Best home warranty for HVAC
Available in the lower 48 states, 2-10 Home Buyers Warranty offers affordable home warranty plans and coverage, as well as 20 additional coverage options. Among these are their HVAC Surplus and Pre-Season HVAC Tune Up add-ons, designed to offer coverage for additional systems and routine maintenance for peak seasons. These are great options for homeowners in areas where heating and cooling systems have to overcompensate for harsher conditions.
Screenshot 2-10.com, July 2023
Coverage, cost and plans
2-10 Home Buyers Warranty offers three coverage plans and a long list of add-ons.
- Simply Kitchen Plan: Covers main kitchen appliances starting at around $17 per month.
- Complete Home: Includes coverage for kitchen appliances and includes electrical, plumbing, heating and cooling systems for about $46 per month.
- Pinnacle Home: Includes coverage provided in Complete Home and Simply Kitchen and includes protection for alarm systems, faucets, shower heads, haul away and disposal fees, and more for approximately $60 a month.
- HVAC Surplus add-on: For $10 per month, this add-on will cover repairs and/or replacements for one additional HVAC system within the home.
- Pre-Season HVAC Tune Up ad-on: For $8 per month, this option covers a 28-point inspection and tune-up carried out by one of the company’s independent contractors before the peak seasons begin.
Buyers choose their own service fees, which range from $65 to $100.
Membership benefits
Members can save $5 a month if they sign up for an auto-renewal of their service agreement when they check out. The company website also offers a live chat and a service request tool through the member portal.
Drawbacks
2-10 Home Buyers Warranty does not offer services for residents of Alaska or Hawaii.