Home Warranties in Florida: Best FL Home Warranty Companies

Florida is one of the most densely populated states and the third most populous in the US, and its population continues to grow each year. As a result, it can be a real pain to quickly find a trusted contractor for the repair of household systems and appliances, especially during the spring and summertime. With a median price of homes in Florida at approximately $212,600, with a 7.8% in the past 12 months (based on information from Zillow), it is no wonder that Florida residents are keen to find security for their houses and apartments. Home warranties in Florida are flourishing and many people are able to save a lot of money through this practice , which is in a nutshell, a service agreement*.

Choosing a reliable company to make sure you get the best home warranties in Florida will help you avoid the hassle of finding, calling and controlling the quality of work of the contractors. Like any warranty, a home warranty protects the homeowners against expensive, unforeseen repair costs and provides peace of mind. 

With an average monthly premium of $30-$50 on average in Florida, and a cost per deductible of approximately $75, it is a no-brainer whether to use a home warranty or not if you have expensive systems and appliances at home. All you need to do is report any issues with your home systems and appliances and the company representatives will perform the necessary repairs promptly, if you have indeed opted for one of the best Florida home warranty services. 

Best Home Warranty Companies in Florida for 2019

There are additional companies serving FL residents which are not listed on this page. For a more comprehensive list you can use this array of Florida home warranty companies.

* Please note, a home warranty is nothing more than a commercial service agreement with a company, and as such it is not regulated in the same manner as insurances in the U.S do. Though a lot of people in Florida use the term “Home Warranty Insurance” it is not the correct term to describe the nature of a home warranty. A better term would be a home warranty plan, or a home warranty coverage.

Why Home Warranty? Why Florida?

With more than 20m people residing in Florida, of which at least 19% of which is 65 and older, the need for home warranty in Florida is ever-increasing! Dealing with service providers such as repairmen can be very frustrating and people are always looking for a one-stop-shop to help them address their needs. This is when home warranty companies really shine! They may save you money depending on how much you pay them and how much you need them, but they will always simplify things in terms of finding repairmen and getting a repair for your broken appliance or system, as long as your claim is accepted and not rejected.

How the Climate in Florida Can Influence Your Choice of Home Warranty

Hot climate

Florida is among the five hottest states in the USA with the average annual temperature of 67.6° F, which makes a serviceable air conditioner a prerequisite for your comfort and quality of life. If your conditioner runs well, then you have nothing to worry about – but life in Florida won’t be pleasant once your AC stops functioning in the middle of the summer. The cost of repairing an air conditioner averages around $336 but can range up to and over $1,000 dollars – hurting both you and your wallet. Even if you use a ceiling fan, a breakdown could end up costing you between $83 and $183 dollars.

Swimming pools bring their own share of problems when picking a home warranty plan. As Florida is a warm and sunny state, many residents invest in pools for their home. If you are among the 5.1 million happy pool owners, then you should pay attention to the plans that cover the repairs of the main mechanisms. According to our research, heating repairs for a pool can cost you from $400 to $1200. However, you can use the services of one of the best home warranty companies in Florida – for example, Pride Home Warranty – and only pay a deductible of $75 to $125 depending on the chosen plan.

High humidity

Since the state ranks fifth in the country in terms of annual precipitation, roof leakage in Florida is especially relevant. Florida home warranty companies such as Select Home Warranty and Choice Home Warranty will cover the cost of major repairs, but even the best home warranty in Florida may not cover this kind of problem – carefully review the list of covered items before signing a contract. It is also helpful to explore home warranty reviews in Florida. Sometimes it makes sense to spent a little more time and money so that you can sleep soundly.

Hurricanes and floods

Florida is a state where hurricanes and floods are common. But a home warranty won’t help you here – homeowner’s insurance will be more appropriate.



What is a home warranty and how does it work?

Before we delve into the nitty-gritty it is important to understand what is  a home warranty and how it differs from a home insurance. This section is not-specific to Florida residents, but however, is highly significant to master before even considering buying this product. Home warranties are a niche product which is often mis-sold and misrepresented.

When you contact a Florida-based on Florida-facing home warranty provider (we will touch how to choose the right one for your needs below), you need to sign a contract. That contract is called a service agreement. You, the customer, are going to pay a certain amount of money (approximately $50 for a standard warranty) and in return, certain home appliances of yours are protected. By protected, what I mean is that essentially if they break, the home warranty company is responsible to send through a repair-person to fix the problem, or compensate you for a certain dollar amount (replacement fee).

Why home warranties in Florida can prove unuseful?

Let’s start off with the bad things that your Florida home warranty company’s policy can have.

  • it’s likely to have a service fee call of $50-$75. That is what you paid each time the technician comes for a visit (normally, if he comes to repair an existing issue he already fixed, you won’t be charge but you have to look into the policy). If your normal repair persons charge about that, no reason to use a home warranty company.
  • the agreement/contract could be very one sided. That means that that essentially the warranty provider won’t be legally forced to take care of your issues, when they arise.
  • with each policy, there is also a cap per electronic appliance – the max $ you will receive as compensation if the item breaks. Sometimes, these could be really low making the whole thing not worth it.
  • some people are DYI experts and they don’t need the help of professionals (which could very well be less professional them them, there are a lot of complaints about the service)

How to choose the best home warranty company in Florida?

Based on the information provided above you already understand that you need to think hard and long before signing up with any home warranty company. Finding the company most suited for your family’s needs maybe a big issue. This is why we have set up this website – to help you out. This section features reviews of the most popular home warranty companies in Florida, and provides the basics you need to understand what could be tricky about such a policy but you need to conduct your own research and with whichever company you decide to deal with – READ THE POLICY THROUGH. If you fail to understand anything – ask your representative. If he is avoiding straight answers, avoid that company.

Some trivia facts relating to the statistics above:

Population and Geography of the Sunshine State

Population (2016) 20,612,439 Top-3 states with the most population
Population per square mile, 2010 – (ppl per sq mi) 350.6 The 9th-most densely populated and the 8th-most without District of Columbia
Region South According to the Census Bureau
Geography The state is bordered in the west by the Gulf of Mexico and Alabama, in the north by Alabama and Georgia, in the east by the Atlantic Ocean, and in the south by the Straits of Florida. Florida has the longest coastline in the contiguous United States, approximately 1,350 miles, not including barrier islands. Much of the state is at or near sea level and is characterized by sedimentary soil. Florida has the lowest high point of any U.S. state.
5 Major towns Jacksonville, Miami, Tampa, St. Petersburg, Orlando
State Nickname Sunshine State currently used on license plates

Weather Conditions in Florida

Climate The climate in Florida is tempered somewhat by the fact that no part of the state is distant from the ocean. North of Lake Okeechobee, the prevalent climate is humid subtropical, while areas south of the lake (including the Florida Keys) have a true tropical climate (Köppen: Aw).
Average temperature (1981-2010) °F 67.6°F Top-5 hottest states
Summer Average temperature °F 81°F Top-3 states with hottest summer
Winter Average temperature °F 59.4°F 2nd warmest Winter (after Hawaii)
Average annual snowfall (inches) 0 inches Very rare, only in the farthest northern regions.
Average Annual Precipitation (2000) inches 54.5 inches


Which Floridian Needs a Home Warranty?

Home Sellers

Nowadays, the Florida real estate market is flourishing. Sellers will often buy home warranties for the benefit of a buyer, because buyers are more likely to purchase a house knowing that they are protected against major appliance and system failures. If you are thinking of selling your house, having a home warranty – especially from the top 10 home warranty companies in Florida – will help you sell an average of 11 days faster and make roughly $2,300 more.

Home Buyers

When purchasing a house, you make a decision to invest a lot of money into one property. Your home is often considered your greatest asset and should be protected properly. In this way, buyers should know that when buying a house with a home warranty, they will be safe from problems with basic home systems and appliances.

Why Use Us to Discover Home Warranty Companies in Florida?

A lot of our readers like to independently research and compare warranty providers before they select one which is completely acceptable and even recommended by us. It is an absolute necessity before engaging in any form of a long-term agreement with any service provider, let alone in an industry as loosely regulated as home warranties and car warranties in the USA (including Florida).

People are rightful to think they will either get scammed or have companies reject all their claims automatically (like in the movie Rainmaker). They are also aware of the fact that some companies use unqualified service providers who are likely to do more damage than help.

This is why we have established Florida Warranties and created this FL home warranty section. We aspire to find only good, established companies, which are happy to accept all clients from the Florida area. We want to give you, the reader, the opportunity to find all the information you need on each home warranty provider in one place and make a concise decision whether to use this company or not. We want you to understand the nature of this warranty – what does it cover and what does it not, all in plain English using easy-to-understand visuals.  

We are sincerely hopeful you will find this website to your liking and use it to find the next home warranty company for your needs.

Learn even more: The good and the bad of home warranties, The home warranty law in Florida