Compare the Best Home Warranty Companies in Arizona
Ready to get your own custom quote for a home warranty? Based on quotes we obtained, the average home warranty costs $51 per month or $612 per year in Arizona.
Note: BBB ratings are accurate as of July 2023.
Top 5 Best Home Warranty Companies in Arizona
We at the Guides Home Team looked at many home warranty companies in Arizona. These are the ones that ranked the best for customer service, pricing and coverage:
- Liberty Home Guard: Most customer-friendly
- American Home Shield: Most experienced
- Elite Home Warranty: Most unique add-ons
- Select Home Warranty: Most budget-friendly
- America’s 1st Choice Home Warranty: Most coverage options
*Note: All pricing information used in this article is pulled from sample quotes the Guides Home Team received for a single-family home smaller than 5,000 square feet in Phoenix. Your quote may be different depending on the location of your home, its square footage and your coverage selections. Because of this, we recommend requesting a few quotes from providers to compare plan pricing.
Liberty Home Guard
Most Customer-Friendly
American Home Shield
Most Experienced
Elite Home Warranty
Most unique add-ons
Select Home Warranty
Most Budget-Friendly
AFC Home Warranty
Most Coverage Options
Cinch Home Services: In addition to our recommended providers, Arizona homeowners might consider Cinch Home Services for its Complete Home Plan. The policy includes wide-reaching coverage for your whole home plus credit toward your homeowners insurance deductible. This unique inclusion can help offer comprehensive protection against natural hazards like wildfires, which can affect your property in Arizona but related damage is not covered under a standard home warranty.
How Much Does a Home Warranty Cost in Arizona?
To help provide you with the most accurate pricing information, our team requested real quotes for home providers operating in Arizona. We used real addresses from a variety of ZIP codes across the state, acting as mystery shoppers to get up-to-date pricing data. The table below summarizes estimated pricing for our recommended companies.
| Provider | Basic Coverage Cost | Mid-Tier Coverage Cost | Highest Coverage Cost | Service Fee |
| Liberty Home Guard | $50 | $55 | $60 | $65–$125 |
| American Home Shield | $20 | $50 | $80 | $100–$125 |
| Elite Home Warranty | $50 | $60 | $80 | $100 |
| Select Home Warranty | $44 | $44 | $48 | $75–$100 |
| AFC Home Warranty | $37 | $52 | $57 | $75–$125 |
Calculate Your Annual Home Warranty Cost in Arizona
The MarketWatch Guides team developed a calculator to help you determine the anticipated yearly expenses of owning a home warranty in Arizona. To determine your projected annual cost, input your quoted monthly premium, service call fee and estimated number of claims. While our calculator can help you estimate costs, we recommend getting quotes from our top providers directly since prices vary by plan, location and home size.
What Is an Arizona Home Warranty and Why Do You Need One?
A home warranty is a type of service contract designed to help homeowners cover the cost to repair or replace major home appliances and systems as they break down over time due to normal wear and tear — something not typically covered by homeowners insurance.
Most standard contracts last for one year, with the option to renew. Some providers even offer multi-year coverage at a discounted rate for those looking to make a longer-term commitment.
Once you’ve enrolled in the best home warranty plan for you, to access your coverage benefits, you’ll likely need to abide by an initial waiting period — usually around 30 days. After that waiting period has passed, you’ll be free to file a claim should a covered appliance or system fail around your home. Claims are most often filed online through a designated customer portal or over the phone through a live agent.
When you file a claim, your provider will usually review the issue and either approve it or deny it within 24 to 48 hours. Assuming the claim is approved, they will dispatch a technician to your home to assess the issue in person and draft a repair estimate for your provider. You’ll be responsible for paying your service call fee at this time. Once your provider receives the estimate, they will schedule a final repair appointment. Beyond your service call fee, your home warranty plan will cover the rest.
How To Choose an Arizona Home Warranty Company
Arizona homeowners have multiple options when exploring home warranty companies. But how can you narrow down your choices and ensure you’re buying the right policy? We suggest you consider the following as you shop for home warranty coverage in Arizona — and leave yourself with enough time to get a quote from at least three providers.
Get a Quote For Your Address
Home warranty pricing depends on your location, the size of your property and selected add-ons. For example, most home warranty providers charge higher premiums for homes totaling more than 5,000 square feet due to an increased likelihood of systems or appliance repairs. Your price will also increase the more add-on coverage you select. Download a sample contract when you request your quote to directly compare costs and coverage.
Consider Local Reviews
The quality of service you receive from a home warranty provider or its contracted technicians can vary by location. For this reason, we suggest reading customer reviews on third-party websites like the Better Business Bureau (BBB) and Google Reviews. Pay special attention to reviews of home warranty branches closest to your home, if possible. You can also call a local representative with a few sample questions to assess their knowledge and level of responsiveness before signing up.
Think About Arizona Homeowner Needs
Finally, personalize your coverage to fit the unique needs of your local climate. Arizona’s climate can vary depending on where in the state you live, making it important to consider the weather you usually experience and the potential impact on your home systems and appliances. For example, if you live in Tucson, you’re probably used to running your air conditioning system every summer. If you live in Flagstaff, your heating system likely gets more use.
We recommend creating a list of your most important systems and appliances before shopping for home warranty coverage to more easily compare sample contracts between companies. Focus specifically on per-incident and annual coverage limits for the systems and appliances you care most about, and note any major coverage exclusions or limitations.
Arizona Home Warranty Coverage
If you live in or near the Sonoran Desert, which dominates most of the southwestern part of the state, you’re in one of the hottest deserts in North America. With summer temperatures regularly soaring above 100 degrees Fahrenheit, you may prioritize a home warranty with robust protections for air conditioning systems.
High plateaus and wide-stretching mountain ranges characterize the northern Arizona geography. The Colorado Plateau dominates the northeastern corner of the state, where homeowners may experience milder summers compared to the south. However, this area can face lower temperatures than in other parts of the state. If you live in northern Arizona, consider a home warranty with protections for your heating system and water heater.
To help you get started comparing home warranty coverage in Arizona, we considered the state’s climate and the most important corresponding home components. Some items you might want to pay particular attention to as you shop for coverage include the following:
- Air conditioning: If you live in the southern part of Arizona, you can experience summer temperatures that reach into the 110s. These high temperatures, combined with Arizona’s dry, arid climate, make it particularly important to look for higher coverage limits on air conditioning systems.
- Heating systems: Residents of the northern part of the Grand Canyon State may rely on their heating systems throughout the year. Look for a home warranty policy with inclusive coverage for your type of heating system. If you have a geothermal heating system, you may need to pay for additional coverage.
- Electrical systems: Both high and low extreme temperatures can put stress on your electrical system and ductwork. Look for a home warranty policy that includes your overall breaker and other core components such as wiring and ductwork.
The table below summarizes coverage limits for each of the above systems with our top-ranked home warranty providers.
| Air Conditioning | Heating System | Electrical System | |
| Liberty Home Guard | $2,000 | $2,000 | $500 |
| American Home Shield | $5,000 | $5,000 | Not specified |
| Elite Home Warranty | $3,000 | $3,000 ($4,000 if part of your HVAC system) | $2,000 |
| Select Home Warranty | $3,000 | $3,000 | $500 |
| AFC Home Warranty | $3,000* | $3,000* | $500 |
*Coverage included as part of the aggregate limit.
How Are Home Warranties Regulated in Arizona?
The Arizona Department of Insurance and Financial Institutions (DIFI) regulates home warranty companies in the state. The department stipulates that home warranty providers offering new policies must clearly define any deductible associated with the plan and when it is due.
If you believe your home warranty provider is operating outside of the law, you can file a complaint online. You can also file a complaint with the Arizona Attorney General, which plays a role in regulating home warranties and protecting homeowners buying insurance.
Best Home Warranty Companies by State
Are you not looking for a home warranty in Arizona? Select your state below to find the best home warranty.
Our Conclusion: Is a Home Warranty Worth It in Arizona?
After reviewing the average cost of system and appliance repair, the MarketWatch Guides team has concluded a home warranty can be worth the price in Arizona. A home warranty could mean the difference between getting a quick repair for your air conditioning system and avoiding out-of-pocket costs in the Arizona summer heat.
We recommend getting a quote from multiple home warranty providers in Arizona before choosing coverage. Liberty Home Guard, American Home Shield and Elite Home Warranty are our top choices in terms of coverage limits, while Select Home Warranty offers affordable monthly premiums and service fees. Read your full sample contract before signing onto coverage to check for any limitations and exclusions.
Frequently Asked Questions About Home Warranties in Arizona
Arizona has some extreme weather conditions that can prevent your appliances and systems from running smoothly. Here are a few examples:
- Extreme heat: Hot summer days in Arizona can cause your HVAC system to overheat.
- Dust and debris: Sandstorms are common in Arizona. The dust produced from these storms can damage air filtration systems, HVAC systems and ductwork.
- Hard water: Arizona’s water supply is considered “hard,” which means it has a high calcium and magnesium content. This calcium and magnesium can be deposited throughout your water heater system, decreasing its lifespan.
If you have a home warranty, your provider will cover the cost of repairing or replacing covered items when they are damaged by one of these situations. However, home warranties aren’t always worth the money, and if you have the savings to pay for the repairs out of pocket, that may be the most economical in the long run.
Homeowners can expect to pay around $57 monthly or $684 annually for a home warranty on a less than 5,000 square foot home in Arizona.
Most home warranty companies will try to send one of their service technicians to your home within 48 hours of receiving your claim. However, it may be longer if you file a claim over the weekend or on a holiday.
How We Ranked the Best Home Warranty Companies in Arizona
To start our home warranty comparison, we created a list of all home warranty providers licensed to offer coverage in the state. We narrowed down our list to reputable options operating for at least one year and requested a quote from every provider. When collecting data, we used a variety of real addresses in Arizona’s most populated ZIP codes to present up-to-date pricing information.
After getting a quote from each provider, we looked at sample contracts to analyze coverage. We began by comparing coverage limits for each appliance and system — companies with individual item coverages over $1,000 received top rankings in our company’s review. Our team also compared costs compared to coverage limitations and exclusions. Companies with comparable costs and value scored higher than those with limited protections. Home warranty providers with longer company histories, more add-on options and better customer reviews also received higher scores.
To learn more about how we ranked home warranty companies in Arizona, reference our full methodology. You can also read more about our team’s editorial guidelines.
Additional Home Warranty Resources
- What Is a Home Warranty?
- Are Home Warranties Worth It?
- How Long Does a Home Warranty Last?
- How To File a Home Warranty Claim: A Step-by-Step Guide
- How Home Warranties Are Regulated
- Plumbing Insurance: Cost and Plan Options
If you have questions about this page, please reach out to our editors at editors@marketwatchguides.com.
