The 5 Best Home Warranty Companies in Utah (2024) (2024)


Highlights

  • Liberty Home Guard is my top choice for Utah residents seeking customizable protection. With numerous add-ons like pest control, premium appliances, septic systems, well pumps, and carpet cleaning, you can tailor coverage to match your home’s specific systems. Given Utah homes’ diverse features, appliances, and systems, this flexibility provides peace of mind against every item you need to protect.
  • For large homes with luxury appliances or systems, I recommend Elite Home Warranty. Elite offers higher coverage caps up to $6,000 for appliances and $10,000 for home systems. These caps are the highest of all providers, with the typical cap ranging from $2,000 to $5,000. Fast claims handling also prevents small issues from becoming costly nightmares.
  • When choosing any home warranty company, examine exclusions closely to confirm all systems and appliances you need are included. Customizable plans matter little if you have gaps in your coverage. Start with Liberty or Elite based on home size and appliances, then scrutinize policy details for a seamless fit.

Utah’s weather swings can put extra strain on essential home appliances and systems, leading to more wear and tear and a greater chance of breakdowns. This can leave homeowners suddenly facing failed appliances, electrical issues, burst pipes, and other expensive breakdowns. Unfortunately, repairs or replacements often cost thousands — expenses most families can’t readily afford. This is where quality home warranties provide value.

Now I know the stigma surrounding these providers‌ — shady tactics like contract denials, pricing games, and terrible service unfortunately exist. But the right home warranty company can be a lifesaver when disaster strikes, helping Utahns save huge sums over time.

So I researched dozens of major home warranty providers available in Utah. Analyzing pricing, coverage limitations, customer reviews, and service reputations against Today’s Homeowner’s specific rating criteria, I narrowed the list down to the best home warranty companies in Utah.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.


Top 5 Utah Home Warranty Companies


My Expert Recommendation

Today’s Homeowner Tips

After carefully researching home warranty providers, analyzing sample contracts, and speaking with customer service representatives, I determined Liberty Home Guard and American Home Shield are the best‌ providers to protect Utah homes.

My research shows Liberty Home Guard stands apart for flexibility through 41 optional add-ons, including unique offerings like pest control, carpet cleaning, premium appliances, and more. Since no home is the same, I know firsthand, after owning a few homes, the value of custom-tailoring coverage. Given Utah’s climate, Liberty’s responsive emergency services also supply confidence when it matters most — during hot summers and cold winters.

For higher-end appliances, I recommend American Home Shield as it provides trusted protection and decent coverage caps. Its $4,000 limits on appliances and $5,000 on home systems are usually enough for even premium brands, which online reviews confirm. As someone who has painstakingly evaluated fine-print exclusions, I still consider both Liberty and American Home Shield as great choices for securing Utah residents’ greatest assets — their homes. And after my research, I can confidently recommend all five of the providers on our list to Utah residents. 


Utah Home Warranty Companies I Didn’t Include

I don’t recommend Landmark Home Warranty in part because I came across multiple negative customer reviews during my research. Landmark’s lack of Better Business Bureau (BBB) accreditation also caught my attention. No service works perfectly for every customer, and a few complaints don’t make a company terrible. But poor ratings and unresolved issues indicate larger problems to me. It also lacks BBB accreditation, and without that, I simply felt more comfortable recommending other providers instead.
I also didn’t include Select Home Warranty. That said, it actually offers solid protection for essential systems in Utah homes. And while wait times and spare part delays don’t thrill me, Select resolves most problems within a respectable timeline. Yet limitations on optional add-ons (just nine available while most providers have 15 to 40) make customizing plans difficult compared to other carriers. Between fewer options and its mediocre 3.7-star Trustpilot rating, I believe residents have better choices when choosing a home warranty against Utah’s 80–100ºF and 0–30ºF summer and winter average temperatures, respectively,  and nonstandard appliances and systems common in Utah homes.


Compare The Highest-Rated Home Warranties In Utah

Company Star Rating Best For Monthly Cost Service Fee Response Time BBB Rating

VISIT SITE

Best for Customization

$50-$60

$75

12-48 hrs.

NR

Best Coverage Limits

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

Best Customer Ratings

$44.99-$58.99

$70

48 hours

A+

choice home warranty logo

VISIT SITE

Best Claims Acceptance

$46–$55

$85

24-48 hrs.

B

select home warranty logo

VISIT SITE

Best Value

$52–$58

$60

24-48 hrs.

B

VISIT SITE

Best for Additional Benefits

$38–$62

$75–$125

48 hours

B

first american logo

VISIT SITE

Best Appliance Coverage

$38–$48

$75–$125

48 hours

B

Best for Preventative Maintenance

$28–$68

$100–$150

2–24 hrs

B

Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.


Our Reviews of the Best Utah Home Warranties

Best for Customization

Liberty Home Guard

4.6

Our Rating

Limited Time:

$200 Off + 2 Months free + Free Roof Leak Coverage

I like Liberty Home Guard (LHG) due to its flexibility — with over 40 add-on options, you can fit coverage to special home features like a central vacuum, septic system,  or guest house. It also has great extras like a 60-day workmanship guarantee — longer than the 30-day industry norm. Between the customizable choices, top customer service ratings, and pro-series appliance add-ons, Liberty stands ‌out to me as a strong home warranty company in Utah.

Despite having the most optional add-ons, Liberty falls short on coverage limits, topping out at $2,000 depending on the plan and appliance. This is low next to other providers, most of which offer around $3,000, while Elite Home Warranty offers up to $6,000 — three times Liberty’s cap. Another drawback is that Liberty is newer to the industry (founded in 2017) next to longer-standing companies. Also, once under contract, customers report frequent sales calls for plan upgrades and add-ons and a $50 cancellation fee 30 days after signing your contract.

Liberty Home Guard is an excellent home warranty choice, especially for unique Utah homes with high-end appliances or in rural areas where coverage of septic systems, well pumps, and sump pumps would be useful. With over 40 add-ons for specialty coverage like pools, pest control, and carpet cleaning, you can fit a Liberty policy to your exact needs. LHG also has great customer service, a fast claims process, and a 60-day workmanship guarantee that exceeds the industry norm of 30 days. Plus, with competitive pricing from around $50 monthly, Liberty provides outstanding value.

The main drawbacks of LHG are its lower coverage caps of $2,000, which may not be enough to repair or replace luxury appliances, and unclear service fees when getting a quote. You can pay extra for pro-series appliances, but with an extra monthly premium per appliance, I don’t think the cost is justified. So, for higher coverage limits, American Home Warranty and Elite Home Warranty are better choices.

However, if high coverage caps aren’t important to you (if you have lower-cost/standard appliances), few companies match Liberty’s affordability, custom add-ons, and excellent customer service. For most Utah homeowners without ultra-high-end systems, Liberty Home Guard is one of the top home warranty options.

Liberty Home Guard’s plans start at affordable rates, with Appliance Guard around $50 monthly — equaling the $50 national average. The Systems Guard and Total Home Guard plans ‌start at $55 and $60 monthly, respectively. I’d pick the Total Home Guard plan for full systems and appliance peace of mind since it only costs $10 more than Appliance Guard when I got quotes.

LHG offers over 40 optional add-ons like pro-series appliances, pest control, carpet cleaning, and more.  Most add-ons range from $8 to $15, though some span $4 to $36. One drawback is Liberty’s $65 to $125 service fee when you file a claim‌ — the industry average is around a $75 flat fee.

When I did my secret shopping, Liberty offered nice discounts like two free months with an annual payment (savings of over $100) and a $225 coupon. I definitely recommend calling a rep to score a better deal. With customizable coverage, discounted pricing, and full systems and appliance plans, I’m confident Liberty Home Guard will provide solid value to Utah homeowners.

Plan Monthly Cost Service Fee Available Discounts
Appliance Guard $49.99 $65 $125 2 months free, $225 off coupon
Systems Guard $54.99 $65 $125 2 months free, $225 off coupon
Total Home Guard $59.99 $65 $125 2 months free, $225 off coupon

Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Salt Lake City, UT. The cost data presented was accurate at the time of publication.

Available Add-Ons

Out of all the home warranty providers on this list, LHG has the most optional add-ons at 41 total. If you live in a rural area (as I do) in Utah without access to city water and sewage, you can easily add on an ejector pump, septic system pumping, a well pump, and water softener coverage. 

Plus, you can add routine services like carpet cleaning, pest control, power washing, and window washing/cleaning to your plan. As far as I know, no other provider offers these services.  

  • Carpet cleaning: $19.99/month
  • Casita guest unit: $35.99/month
  • Central vacuum: $8.99/month
  • Ejector pump: $14.99/month
  • Electronics protection: $19.99/month
  • Freestanding ice maker: $14.99/month
  • Generator: $19.99/month
  • Grinder pump: $14.99/month
  • Gutter cleaning: $14.99/month
  • Ice maker (in-fridge): $3.99/month
  • Instant hot water dispenser: $9.99/month
  • Lawn sprinkler system: $9.99/month
  • Lighting fixtures: $7.99/month
  • Limited roof leak: $11.99/month
  • Pest control: $14.99/month
  • Plumbing fixtures: $7.99/month
  • Pool and spa: $19.99/month
    • Additional spa: $9.99/month
  • Power washing (exterior flooring): $19.99/month
  • Pro-series clothes dryer: $4.99/month
  • Pro-series dishwasher: $7.99/month
  • Pro-series microwave: $4.99/month
  • Pro-series range/oven/cooktop: $12.99/month
  • Pro-series refrigerator: $14.99/month
  • Pro-series standalone freezer: $14.99/month
  • Pro-series washing machine: $4.99/month
  • Re-key: $9.99/month
  • Reverse osmosis water filter system: $14.99/month
  • Salt water pool: $23.99/month
  • Second refrigerator: $7.99/month
  • Septic system pumping: $12.99/month
  • Sump pump: $8.99/month
  • Swamp cooler: $14.99/month
  • Trash compactor: $7.49/month
  • TV mounting (up to 65-inch TVs): $14.99/month
  • TV mounting (up to 85-inch TVs): $19.99/month
  • Water dispenser water line: $4.99/month
  • Water softener: $13.99/month
  • Well pump: $12.99/month
  • Window washing/cleaning: $19.99/month
  • Wine cooler/fridge: $11.99/month
Exclusions

As with any home warranty provider, Liberty Home Guard has a handful of exclusions from its plans. These exclusions are typical in the industry: 

  • Cosmetic defects
  • Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
  • Disposal of appliances, systems, or components
  • Electronics, computerized, “smart,” or internet/enabled components and parts (electronics protection is available as an add-on for $19.99/month)
  • Filters associated with any covered items
  • Fire sprinkler systems
  • Flues, vents, chimneys, and exhaust lines
  • Glass parts
  • Lighting
  • Noise
  • Radon and other leak detection monitoring systems
  • Remote receiving and transmitting devices
  • Solar systems and applications

Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

Liberty Home Guard offers home warranty plans starting at $49.99 per month, which is affordable and in line with the national average. But you may pay more for optional add-ons — most over $14.99 per month (most other providers’ add-ons range from $5.99 to  $12.99 per month). There is also a higher-than-average $65 to $125 fee each time you file a claim.

One important item I found in the fine print of a sample contract is that Liberty only covers items up to its “book value.” So it won’t pay the full value of an appliance or system before it was used. LHG also has lower coverage caps of $2,000 per item, which is less than other providers like American Home Shield and Select Home Warranty. But if you have unique appliances, like a reverse osmosis filter or pro-series items, Liberty is a good choice. With the most optional add-ons, most Utah homeowners can cover most of their unique appliances and systems. 

Liberty has pretty good customer service. I like its smooth online quote process — it lets you easily customize coverage levels and compare choices. Its waiting period is shorter than average, too — only 30 days to access coverage compared to the 60-day waiting period common in the industry. Once you have a Liberty policy, you can contact the company in different ways if issues come up — via chat, call, or email. This convenience provides immediate support. I also like the 60-day service guarantee, giving confidence that the company stands behind its work.

No other home warranty provider maintains such consistently high ratings across thousands of reviews as Liberty Home Guard. For the best customer service and reputation, Liberty is my top recommendation.

Liberty’s overwhelmingly positive Google reviews highlight exceptional service — from representatives going the extra mile to fast turnarounds on claims. I had to look hard for negative reviews — the few I found cited long waits, high fees, and confusion about contract terms. Liberty’s positive ratings show it prioritizes employees and customers, underpinning its commitment to quality service.

Rating Site Rating Number of Reviews
BBB NR* N/A
Trustpilot 4.7 2,257
Google 4.7 9,693
Yelp 1.3 48

*Under review due to recent complaints as of Feb 2024. Previously an “A+” rating. 

Editor’s Note: The ratings provided were accurate at the time of publication.

Note (as of 2/26): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time the BBB has restored its A+ rating after a thorough review.

When disaster strikes with a pipe burst or an HVAC breakdown, Liberty Home Guard responds quickly. With emergency services and an average lightning-fast 12-hour claim response time, Liberty has the best response times of all providers. These rapid responses can make all the difference during hot summers and cold winters in Utah.

Customers consistently offer positive feedback on Liberty’s smooth, speedy claims and payouts. Once you’ve passed the standard 30-day coverage wait period, most claims fly through approval within 48 hours. Given the user-friendly process and incredible service exceeding expectations, Liberty deserves this perfect 10/10 rating for its claims process.

Liberty Home Guard is available to homeowners in all 50 states, so you can rest assured the company has connections with experienced local contractors equipped to work on any issue with your home. 

Best Coverage Limits

American Home Shield

4.3

Our Rating

Limited Time:

40% Off Our Most Popular Plan

American Home Shield (AHS) impresses me with its higher-than-average coverage caps of up to $5,000 for systems and $4,000 for appliances. Extra perks like covering rust/corrosion and adjustable service fees demonstrate a commitment to customers in my eyes. AHS has truly custom protection, with unique offerings like roof leak coverage as an add-on or premium bundle inclusion. With over 50 years of industry experience, AHS has had ample time to build great relationships with local contractors — ensuring qualified technicians arrive when you need them.

American Home Shield had triple the complaints of rivals like Select Home Warranty with the BBB in 2023 and sub-2-star ratings on Trustpilot and Yelp. American Home Shield lags regarding reputability. For a company with 50 years of experience and contractor connections, these red flags disappoint me.

As an industry founder with over 50 years of experience, American Home Shield leads with its strong coverage offerings and limits reaching $6,000, which dwarf those of competitors such as Select Home Warranty. Its vast contractor network also ensures broad, reputable support nationwide

AHS covers undetectable preexisting conditions plus rust and corrosion, unlike many providers — increasing the value of its plans. Though the company touts robust contractor partnerships, some reviews show customers faced extremely long repair delays. And at 30 days, the workmanship guarantee falls short of rivals like Elite Home Warranty, which offers a 90-day guarantee.

I found AHS’s website and quotes straightforward during my own secret shopping. However, despite the higher caps, lower-tier plans cover too few appliances and systems, in my view. For comprehensive protection, the ShieldPlatinum plan is best. It covers almost everything you need with only slightly higher pricing.

American Home Shield offers three plans to Utah homeowners: ShieldSilver for major systems, ShieldGold which adds some appliances, and ShieldPlatinum as its comprehensive offering. Exclusively, ShieldPlatinum covers roof leaks and includes a free HVAC tune-up and allowance for code violations — a huge bonus, in my opinion. The tune-up prevents HVAC failures during hot Utah summers. AHS’s plans also highlight coverage of older items, no matter their age, undetectable preexisting conditions, and even improperly installed/repaired systems. These items are excluded by providers like Select Home Warranty. 

In my secret shopping, a rep offered a 20% discount to sign up same-day — so keep an eye out for deals. I personally would choose a $125 service fee for lower monthly premiums since my newer, maintained appliances will likely need fewer repairs. But the flexibility is great, even if fees trend higher than those of some competitors.

Plan Monthly Cost Service Fee* Available Discounts
ShieldSilver $29.99 – $39.99 $100 – $125 Same-day discount
ShieldGold $49.99 – $59.99 $100 – $125 Same-day discount
ShieldPlatinum $79.99 – $89.99 $100 – $125 Same-day discount

*If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $39.99 rate for the ShieldSilver plan pairs with the $100 service fee.

Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Salt Lake City, UT. The cost data presented was accurate at the time of publication.

Available Add-Ons

American Home Shield has the below optional add-ons. As someone who lives in a rural area and needs septic pump and well pump coverage, I can sympathize with Utahns who live away from city water and sewage systems that need these items covered, too. 

  • Electronics protection plan: $14/month
  • Guest unit: $15.99/month
  • Pool & built-in-spa equipment: $18/month
  • Roof leak repair: $10/month
  • Septic pump: $5/month
  • Well pump: $8/month
Exclusions

American Home Shield has the below exclusions to its home warranty plans — on par with other national providers. 

  • Damage due to pets or pests
  • Failure to properly clean or maintain home systems or appliances
  • Foundation or structural damage
  • Improper installation, improper wiring, or damage caused by construction activity
  • Manufacturer’s defect
  • Misuse or human error
  • Natural disasters
  • Neglect, rust, corrosion, or sediment
  • Removal of hazardous materials such as asbestos, lead, or other toxic materials

Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

American Home Shield charges monthly premiums and service fees that are a bit higher than those of some competitors. You’ll pay $100 to $125 for a service call, and its monthly premium is also above average. But with those higher costs come better protections that other, cheaper plans don’t offer.

For instance, Utah homeowners can get up to $5,000 for HVAC systems and $3,000 in coverage for pools — two to three times more than what most home warranty companies provide. So while not the most budget-friendly option, the extra premiums give Utah homeowners real peace of mind. This is especially true if you have pricey appliances, unique systems/items, or multiple systems that would cost a lot to repair or replace without coverage.

I’d recommend weighing the monthly and service fees against how much your appliances would cost to fix without a plan. Think about replacement expenses when looking at American Home Shield’s offerings. Those with pricier items can likely justify the slightly higher monthly costs to get those higher coverage maximums.

I expected top-notch customer service from ‌AHS as a big name in home warranties. Yet many reviews mention problems communicating with agents who didn’t return calls or messages. However, American Home Shield gives homeowners multiple ways to contact reps through an account manager system. This accessibility can smooth over any issues with individual reps and helps keep responsiveness a priority.

However, other reviews highlighted miscommunications where customers left messages that were never returned or received. Understandably, this lack of response is frustrating and disappointing to see.

On the positive side, AHS’s 30-day waiting period before coverage starts is better than that of competitors that make you wait 60-plus days. AHS’s website is also very simple to navigate, get a quote from, and view pricing/optional add-ons as you prepare to choose your plan. 

American Home Shield makes filing claims straightforward with 24/7 support online and by phone. Having around-the-clock help is crucial for urgent issues like heat pump or furnace issues during Utah’s winters. Once you submit a claim, you can conveniently track its status and repair history through your online account dashboard. This gives you ongoing visibility into the process. 

However, AHS has mixed customer reviews on third-party websites like BBB, Trustpilot, and Yelp. Positive feedback highlighted good customer service, an easy signup process, and quick repairs after filing claims. However, negative reviews cited low payouts, claim fulfillment problems, and incompetent technicians sent on jobs. American Home Shield has a below-average customer rating overall, but I take this with a grain of salt since dissatisfied customers are more likely to leave reviews than satisfied ones. 

Rating Site Rating Number of Reviews
BBB B 11,174
Trustpilot 2.1 5,178
Google 2.8 2,379
Yelp 1.0 826

Editor’s Note: The ratings provided were accurate at the time of publication.

Overall, American Home Sheild’s claims process is user friendly. You can submit a service request online or call the 24/7 customer service line. I recommend calling if you have an emergency issue.  After you file a claim,  you can track your home’s repair history and follow up as needed through the website. This is a pretty standard setup, but having 24/7 customer service is a major plus, especially for concerns needing immediate repairs.

American Home Shield is available in all U.S. states besides Alaska. This means it has strong availability and a robust contractor network to service your Utah home. 

Best Claims Acceptance

Choice Home Warranty

4.3

Our Rating

Limited Time:

$50 Off + 1 month free!

Although Choice Home Warranty (CHW) receives mixed reviews for its claims process, I like its 24/7 customer service and multiple options to file a claim by phone or online. The company offers two easy-to-compare plans: a Total Plan covering nearly everything and a Basic Plan that excludes A/C, fridge, washer, and dryer. CHW’s pricing is competitive, given its broad coverage. Many customers report fast, effective service from knowledgeable technicians. 

Choice has 1.1 stars on Google Reviews and a 1-star rating on Yelp, which is worrisome. I also found past lawsuits against Choice, including a 2019 case filed by the Arizona Attorney General. However, this lawsuit is far from being finalized. As such, I’ve reviewed Choice as it stands as of this writing,  but if it receives a negative ruling on the lawsuit, I’ll update its scores and this review.

I recommend Choice Home Warranty in part because it has the highest claims approval rate among home warranty companies. CHW provides 24/7 support and several ways to file claims online or by phone. Many customers report fast service from knowledgeable technicians, though some face delays. Its 25,000-plus contractor network has experts ready to help if systems fail in your Utah home.

In addition to its great claims acceptance rate and large contractor network, Choice serves over 1.65 million homes nationwide, making it an experienced provider. The basic CHW plan covers both major systems and appliances, unlike many basic plans from other providers like Select Home Warranty and American Home Shield. Coverage caps are $3,000 per item annually, which is above average. But for luxury appliances needing higher caps, I recommend choosing a different provider like Elite Home Warranty.

On the downside, CHW’s service reputation isn’t great, scoring far below average on review sites like Trustpilot and Yelp. 

Choice Home Warranty simplifies things with just two straightforward plan options: a Total Plan and a Basic Plan. The comprehensive Total Plan covers 18 key home systems and appliances for under $55 per month — more affordable than competitors. The Basic Plan costs a little less monthly and still includes 14 major systems/appliances.  However, for the maximum coverage on a budget, I recommend the Total Plan. Some providers offer more custom add-ons. If you want basic protection at a low cost, Choice is a great option.

When secret shopping, I was offered two free months if choosing an annual prepayment. Since both plans already cost less than competitors, these extra savings make Choice Home Warranty even more budget friendly. 

Plan Monthly Cost Service Fee Available Discounts
Basic Plan $46.83 $85 $50 off and one month free
Total Plan $54.75 $85 $50 off and one month free

Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Salt Lake City, UT. The cost data presented was accurate at the time of publication.

Available Add-Ons

Choice Home Warranty offers Utah homeowners the optional add-ons listed below. For those with pools and spas, the affordable add-ons are a great way to protect these expensive systems.  

  • Central vacuum: $3.33 per month
  • Limited roof leak: $5.83 per month
  • Pool: $15 per month
  • Second Refrigerator: $3.33 per month
  • Septic System: $10 per month
  • Septic Tank Pumping: $5.42 per month
  • Spa: $15 per month
    • Additional Spa: $15 per month
  • Sprinkler system: $8.33 per month
  • Standalone freezer: $3.33 per month
  • Sump pump: $3.33 per month
  • Well pump: $8.33 per month
Exclusions

Choice has the below exclusions, which are standard in the industry:

  • Built-in microwave
  • Ceiling fan
  • Clothes dryer
  • Clothes washer
  • Dishwasher
  • Garbage disposal
  • Oven/range/cooktop
  • Refrigerator (except audio/visual equipment and WiFi components) 

Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

Both of Choice Home Warranty’s straightforward plan options cost under $55 monthly, which is below the industry average. However, its $85 repair fee isn’t the absolute lowest among competitors. But it’s a fixed rate that prevents unexpected charges. While pricier than some, the budget-friendly premiums and benefits like full replacement coverage provide real value for Utah homeowners needing an inexpensive, straightforward home warranty.

Additionally, you can cancel free of charge within 30 days if dissatisfied with your plan, so there’s little risk in trying Choice’s very affordable plans. Choice also covers the full replacement value if an appliance/system fails, not the depreciated value some companies, like Liberty Home Guard, use.

Getting a quote from Choice Home Warranty was straightforward, and I was able to view sample contracts and basic plan inclusions during quoting to understand coverage and costs before checkout. Overall, Choice makes it easy to get information and support when needed. Choice offers 24/7 customer support and representative accessibility, which is a plus. Its short 30-day waiting period, 60-day workmanship guarantee, and 90-day parts guarantee are also advantages.

A downside is that online quotes aren’t overly detailed. You can see what each plan covers, but you need to go to checkout to see the total cost. I’d prefer to compare costs upfront. However, the 24/7 support, guarantees, and quote accessibility are notable strengths that improve the customer experience.

Choice Home Warranty presents mixed signals on its reputation. On the one hand, it earns praise on Glassdoor with a 4.7–star rating as an ethical workplace from employees and has decent BBB and Trustpilot scores. However, customer review sites like Yelp give a poor 1-star rating. So while staff may be happy internally, poor customer reviews aren’t reassuring. 

So, I encourage you to thoroughly vet Choice before trusting it can deliver reliable service consistently. While parts of its reputation are strong, the negative customer experiences give me pause as a potential customer.

Rating Site Rating Number of Reviews
BBB B 4,365
Trustpilot 3.7 37,888
Yelp 1.0 246

Editor’s Note: The ratings provided were accurate at the time of publication.

 Today’s Homeowner is aware of a lawsuit in progress against Choice Home Warranty in Arizona. Our team is monitoring the situation and will adjust our scores if a negative judgment is found against Choice. In the meantime, their score is reflective of the company reputation independent from the lawsuit, though you should review the allegations if you have any further concerns.

Many CHW customers report fast and effective claims service from knowledgeable technicians. However, delays also happen. The fine print I found in a CHW sample contract shows a four-hour response goal but acknowledges delays of up to 48 hours may occur. Based on reviews, it seems delays happen often. But take that with a grain of salt, because people are more prone to leave negative reviews than positive ones. Still, many reviewers praise the claim process and high acceptance rates. 

Choice Home Warranty is available in 48 states — minus California and Washington. But despite no availability in these populous states, you can expect a strong contractor base to help manage repairs in your Utah home.  

Best for Additional Benefits

AFC Home Club

4.3

Our Rating

Limited Time:

$200 off + free roof leak coverage

AFC Home Club has some excellent member benefits that go beyond typical home warranty coverage. These include discounts on home security, medical care, credit monitoring, insurance, and more — creative perks I have yet to see other providers match.
Adding to its strong core appliance and system plans, AFC also impresses me with largely positive customer feedback online — ‌which is rare among warranty companies. And its range of optional add-ons allows Utah homeowners to customize very comprehensive protection.

I dislike AFC Home Club’s variable coverage caps. For example, some of ‌its items go up to $3,000 coverage maximums, while others only provide between $150 and $1,000 in protection. If you choose AFC, carefully review each appliance’s and system’s coverage cap to make sure you have enough coverage. You don’t want surprise gaps leaving you exposed.

Another significant AFC weakness is the lack of emergency repair services outside weekday 9-to-5 hours without extra fees. With Utah’s average temperatures of 80ºF during the hot season, waiting days for standard repairs on your cooling systems isn’t realistic.  Other home warranty companies, like Liberty Home Guard,  provide 24/7 support, recognizing around-the-clock access is essential, especially for failing HVAC systems during summer heat waves.

I love AFC Home Club’s user-friendly website, customizable tiered plans with flexible service fees, and unique membership perks like discounts on home security and insurance that other Utah companies don’t offer. Considering these factors, my experience with AFC Home Club was very positive overall.

With its high customer satisfaction ratings, A+ Better Business Bureau grade, and ability to customize your coverage, it would be one of my top personal choices for home warranty protection. However, be mindful of AFC’s lower $3,000 coverage cap if you have luxury appliances or systems. AFC’s payouts also fluctuate based on vague home value assessments, which is a downside. However, within coverage limits, AFC customers widely report seamless claims and knowledgeable technicians.

Of AFC’s plans, I recommend the Diamond Plan, which bundles systems, appliances, roof leaks, and even electronics for comprehensive protection. While AFC has some gaps, its covered items and optional add-ons are great for most Utah homes. By providing 48-hour repair guarantees and lifetime workmanship warranties, AFC strives for timely, quality service when expensive breakdowns happen. 

AFC Home Club offers four home warranty plans, ranging from basic appliance-only coverage to an exceptional bundled package. The options include:

  • Silver Plan — covers nine major home appliances
  • Gold Plan — protects 15 appliances plus systems like electrical, plumbing, and HVAC
  • Platinum Plan — covers 18 appliances/systems including microwaves and in-fridge ice makers
  • Diamond Plan — most comprehensive, adding electronics, exterior water lines, sewer lines, and even roof leaks

The Diamond Plan stands out to me as the best choice as it covers nearly everything from home systems/appliances along with unusual extras like personal electronics. Getting smartphones, tablets, and home office equipment covered is rare and valuable, especially for Utah’s many remote workers.

I also found some nice AFC Home Club discounts during my secret shopping — $140 off annual policies and $250 off three-year plans. Combined with already competitive pricing and the Diamond Plan’s electronics perk, Utah homeowners can save more on robust coverage with AFC.

Plan Monthly Cost Service Fee Available Discounts
Silver Plan $36.83 $125 Up to $250 off, free roof leak protection
Gold Plan $51.92 $125 Up to $250 off, free roof leak protection
Platinum Plan $57.00 $125 Up to $250 off, free roof leak protection
Diamond Plan $91.58 $125 Up to $250 off, free roof leak protection

Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Salt Lake City, UT. The cost data presented was accurate at the time of publication.

Available Add-Ons

AFC Home Club has these optional add-ons for Utah homeowners: 

  • Built-in microwave: $50/month
  • Central vacuum: $25/month
  • Double oven: $25/month
  • Electronics coverage (price depends on your specific electronics)
  • Hot water dispenser: $25/month
  • Ice maker: $25/month
  • In-ground pool: $100/month
  • In-ground pool and spa: $150/month
  • Roof leak (free, worth $25/month)
  • Septic system: $50/month
  • Standalone freezer: $25/month
  • Sump pump: $35/month
  • Well pump: $50/month
Exclusions

I found the below exclusions while picking through a sample contract from AFC Home Club. These are nothing out of the ordinary and pretty standard in the industry. 

  • Crane rentals needed to move appliances or systems
  • Geothermal heating systems
  • Haul-away services
  • Light fixtures
  • Code violations
  • Appliances and systems not properly maintained

Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

AFC Home Club offers multiple affordable plans, including more affordable options that cover just key appliances or home systems for under $40 monthly. Even its top Diamond Plan stays reasonably priced at $62 per month, despite uniquely covering electronics, sewer lines, and more that typical warranties exclude.

I appreciate that AFC provides flexible service fee choices from $75 to $125 per repair visit. That lets Utah homeowners balance higher deductibles against lower monthly premium costs. However, optional add-ons can quickly raise rates over $100 monthly — so know that‌ those small $15 extras can add up quickly.

I recommend you carefully review AFC’s contract terms as I did. While advertising $3,000 coverage maximums, the fine print shows lower $150 to $500 limits for certain items. Still, AFC has generally competitive pricing and creative coverage. This makes it a good option for cost-conscious Utahns by allowing them to pick a plan that matches both their budgets and home repair worries.

My customer experience shopping with AFC Home Club was excellent. Its website is super user-friendly, neatly organizing the different plans, coverage tiers, and add-ons so Utahns can easily customize suitable policies matching their budget and repair worries. Rather than a vague sample contract, AFC even provides transparent example agreements outlining each plan’s specifics. I appreciate this as it simplifies the shopping process and provides transparency.

I also appreciated AFC’s non-pushy sales tactics compared to some competitors. Its 24/7/365 availability is so convenient for urgent issues, too. Additionally, AFC customer feedback cites great communication and professional technicians handling claims, which are a critical factor for me. 

Compared to major home warranty competitors, AFC Home Club has far fewer online reviews — just 194 total at the time of writing on the Better Business Bureau website. However, AFC has maintained its BBB accreditation since 2015, which shows its reliable service and largely positive customer experiences over its 14 years in business.

When complaints do arise, AFC is prompt to respond to and close issues — resolving over 140 cases with the BBB in the past three years. And checking AFC’s 3.7 rating on Google, while it’s not the highest, it easily bests the poor scores of around two stars that top rival providers average. Many AFC customers cite quick contractor dispatch, seamless claims experiences, and reasonable reimbursements. But some negative reviews center on misunderstood coverage loopholes, cancellation fees, or overall contract confusion. 

Rating Site Rating Number of Reviews
BBB B 194
Trustpilot 3.0 24
Google 3.7 1,602
Yelp 1.9 336

Editor’s Note: The ratings provided were accurate at the time of publication.

I found AFC Home Club’s claims process to be about average. Its standard response time is 24 to 48 hours, which aligns with the industry average but is slower than some rivals. However, its contract notes responses may exceed 48 hours in certain cases. As AFC states in its systems coverage documents, it is “not an Emergency Service and will be closed on Nationally Recognized Holidays therefore resulting in delayed Service Request Assignments.”

This lack of emergency repairs is a major gap for Utah residents facing seasonal risks like summer heat waves that can quickly spiral appliances and systems into crisis. While AFC is otherwise responsive, I’d weigh up its inability to support urgent issues before signing on.

On the plus side, AFC provides a standout lifetime workmanship guarantee on repairs. If technicians need to revisit any fix, you pay absolutely nothing extra for the full policy duration — far better than the industry’s typical 30- to 90-day coverage window that providers like Liberty Home Guard, Elite Home Warranty, and Choice Home Warranty offer. 

AFC Home Club offers its home warranty plans in 48 states, excluding only California and Hawaii. Operating across the continental United States shows AFC’s financial sustainability and a nationwide contractor base to satisfy and support homeowners from coast to coast.

Best Customer Ratings

Elite Home Warranty

4.3

Our Rating

Limited Time:

$150 Off + 1 Month Free

Elite Home Warranty has very positive reviews online, with ratings between 4.5 and 5 stars on websites like Yelp, Trustpilot, and Google. This contrasts with the home warranty industry overall, where 2– to 3-star ratings are more common. The consistent praise for Elite points to its ability to keep customers happy, thanks to great service.

I’m also impressed by Elite’s affordable pricing. It offers 27 different add-ons so homeowners can customize coverage to fit their needs — most competitors have only between six and 12 add-ons. Elite’s plans go up to $8,000 in coverage caps for home systems and $3,000 per appliance. This should allow most Utah homeowners to create their own budget-friendly and comprehensive home warranty plan.

Elite Home Warranty falls short in one major area — its plans don’t cover emergency repairs unless you pay an extra $150 fee. When critical systems like AC units fail during Utah’s hot summers, homeowners need urgent support. Having to pay extra for real emergency access seems unacceptable from a customer service-focused company.
Another drawback is that Elite excludes commercial-grade appliances from all its plans — which could be a dealbreaker for some Utah homeowners. You also lose the workmanship guarantee if you use your own technician instead of one from Elite’s network of contractors.

Elite Home Warranty stands out by offering some of the highest coverage maximums in the industry — up to $10,000 for home systems and $6,000 for appliances. That far exceeds the typical $2,000 to $3,000 limits from competitor companies. With such generous caps, I highly recommend Elite to Utah homeowners with high-end appliances or multiple systems that could require pricey repairs. Of Elite’s warranty plans, I prefer the Complete coverage since it bundles protection for both appliances and systems to maximize those strong payouts.

However, Elite falls a bit short on emergency repairs outside normal business hours, even with their 24/7 customer service. On the plus side, it offers 26 add-ons for most Utah homeowners, allowing for ample customization. Just keep in mind that repairs on certain big-name brands carry a $150 fee.

Elite Home Warranty offers plans with higher coverage maximums — $3,000 to $5,000 — than average in the home warranty industry. Its most comprehensive option, the Elite Complete plan, bundles appliance and system coverage for the most well-rounded protection. It’s my top EHW choice for Utah homeowners wanting robust coverage.

Like other providers, Elite has three main offerings — Elite Appliances covers eight types of appliances, Elite Systems protects six home systems, and Elite Complete includes both appliances and systems. What makes Elite stand out is its high per-claim limits, which are much higher than competitors’ caps. For appliances, Elite pays up to $6,000 per claim, and for home systems, you get up to $10,000 in coverage per claim. For reference, American Home Shield has coverage caps of ​​$5,000 for home systems and up to $4,000 for home appliances, which I consider strong. 

When I was getting quotes, Elite offered me a 30-day free trial and $150 off enrollment over the phone. Because of this deal, calling them directly is the way to go for the best pricing. With coverage limits blowing away industry norms, Elite delivers very strong protection for key appliances and systems for Utah homeowners.

Plan Monthly Cost Service Fee Available Discounts
Elite Appliance $48.99 $100 $150 sign up, 30-day trial
Elite Systems $52.99 $100 $150 sign up, 30-day trial
Elite Complete $59.99 $100 $150 sign up, 30-day trial

Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Salt Lake City, UT. The cost data presented was accurate at the time of publication.

Available Add-Ons

Elite Home Warranty gives Utah homeowners 27 different optional add-ons to choose from. That’s far more customization than most home warranty companies provide (typically six to 20 options).

Personally, I like that Elite separates out options for water and sewage line coverage. There are add-ons specifically for drainage, sewer, and water service lines (best for city homes) and separate ones covering septic systems and well pumps (better for rural houses like mine, not on municipal water/sewer). This lets Utah homeowners pay only for what’s relevant to their property’s needs.

For example, if you rely on a well and septic tank instead of county water and sewage, Elite has you covered. You wouldn’t pay extra for redundant city water/sewer add-ons not applicable to your situation. I appreciate providers that allow homeowners to customize protection and pricing in this way.

Exclusions

Elite Home Warranty has the following plan exclusions, which are typical among home providers: 

  • Acts of God
  • Commercial-grade appliances
  • Cosmetic damage
  • Lack of maintenance
  • Natural disaster-related damages
  • Units in a rental property

Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

Elite Home Warranty’s monthly rates are about average in the industry — generally between $45 and $60. However, some customer service reps aren’t fully transparent about potential add-on fees that can significantly increase actual costs. Like competitors, Elite offers core plans covering either appliances or systems. There’s also a bundled Elite Complete plan with the most coverage. Its $100 service call fee matches other top providers like Select Home Warranty and American Home Shield.

While base Elite pricing looks competitive up front, there are quite a few extra charges that can add up. For example, servicing commercial-grade appliances carries an extra $150 per visit fee, and weekend and after-hours emergency repairs also incur $150 fees. Most add-ons fall in the $15-$20 per month range — pricier than some other providers but still reasonable for expanded protection. One plus is Elite’s 30–day trial period, which lets Utah homeowners evaluate Elite’s service before fully committing. 

My experience shopping with Elite Home Warranty is somewhat mixed. Its website is hard to navigate and lacks clear pricing details compared to competitors. You can’t easily estimate quotes or view add-on fees yourself online — that information requires calling a rep. This hidden pricing approach was frustrating.

However, Elite does have many glowing customer reviews and awards from reputable sites like Trustpilot and Google. So while its website isn’t the best, Elite’s reputation shows that many Utah homeowners enjoy positive customer experiences with its service.

Elite Home Warranty has a limited number of online reviews — fewer than 50 total across sites like Trustpilot and Yelp. This small review volume negatively impacts its reputation score. However, as Elite is a newer home warranty company, the limited feedback is understandable. That said, Elite has ‌strong accreditation and ratings with the Better Business Bureau. This gives me some reassurance despite the low review count.

The few reviews that do exist are very positive. Many praise Elite’s fast, straightforward claims processing. Others highlight the affordable pricing and excellent customer service follow-up to guarantee satisfaction. Any negative feedback largely centers on inconsistencies with waiting periods or disorganization — likely stemming from customers misunderstanding their contracts. While the limited review volume is still a drawback, the mostly glowing feedback should give Utah homeowners confidence in Elite’s responsive support and services.

Rating Site Rating Number of Reviews
BBB A+ 320
Trustpilot 4.7 44
Google 4.7 111
Yelp 5.0 4

Editor’s Note: The ratings provided were accurate at the time of publication.

Compared to other home warranty providers, Elite Home Warranty’s claims process is subpar. On the plus side, you can file claims 24/7/365, either online or by phone, which is convenient. And Elite’s standard claim response time is 24 to 48 hours — in line with the industry norm. However, Elite lacks emergency after-hours repair services — a major weakness in my book. That means Utah homeowners could be stuck with burst pipes, broken appliances, or other problems overnight without support.

Elite encourages customers to submit claims as soon as an issue arises. You can call its 24-hour claims line or visit its website to start the process online. Elite will then authorize you to find your own technician or schedule someone from their contractor network. While the around-the-clock availability and multiple filing options are nice, the lack of true emergency repairs really hurts. Being left high and dry with a broken AC unit in the middle of a 100ºF Utah summer weekend is unacceptable. 

Elite Home Warranty offers ‌home warranty plans in 47 states nationwide, including Utah. While it doesn’t have absolute full nationwide availability, operating in almost every state signals Elite’s legitimacy as a company that can pay claims reliably and has a strong reputation across different housing markets.


Calculate the Cost of Utah Home Warranty

Want to figure out what a home warranty will cost you each year in Utah? Use our calculator to get an estimate. Just type in the monthly fee the provider charges, the service call fee, and how many service appointments you think you’ll need in a year. The calculator will show you the total estimated annual cost for that warranty plan.

Appliance Average Repair Cost Average Replacement Cost
Dehumidifier $50–$200 $1,300–$2,800
Microwave $50–$400 $60–$2,000
Dishwasher $50–$500 $400–$3,000
Exhaust Fans $16–$300 $250–$950
Electric Range $100–$500 $230–$3,000
Gas Range $100–$500 $230–$3,000
Dryer $100–$400 $450–$2,300
Oven $100–$430 $400–$3,000
Washer $50–$450 $400–$2,300
Freezer $90–$500 $160–$2,900
Refrigerator $40–$350 $200–$5,000

Utah Home Warranty Regulations

In Utah, home warranties are seen as insurance, and the state’s Insurance Department regulates warranty companies and makes sure they follow the rules. The Department’s Property and Casualty Division specifically handles questions and complaints about home warranties from Utah residents. You can file a complaint online if a warranty company won’t fix an issue you’re having.
The government isn’t the only entity overseeing warranty companies‌ — industry groups also set rules for how these companies need to operate with the aim of protecting consumers from shady business practices. For example, the Service Contract Industry Council works with state governments across the country to come up with regulations.


FAQs about the Best Home Warranties in Utah

Do You Need a Home Warranty in Utah?

Utah’s varied climate means homeowners face the risks of system failures. If you want protection against sudden, expensive repairs, you need a home warranty from one of the trusted providers on my list.


How Much Does a Home Warranty Cost in Utah?

The average cost of a home warranty in Utah is between $300-$700 per year. As our home warranty cost guide explains, the costs depend on your location, the size of your home, and the coverage options you choose.


How To Save Money When Shopping for Home Warranties In Utah?

I recommend you compare plans and rates from top providers like American Home Shield, Liberty Home Guard, and other providers on my list. Getting quotes from multiple companies, contacting the provider by phone,  and looking for special offers helped me find the best coverage at the lowest price.


Is a Home Warranty Worth It for Utah Homeowners?

A home warranty is worth it for Utah homeowners because of the state’s extreme weather and the risk of heating and AC failure. I find home warranties worth it as they provide peace of mind by covering repairs for a small monthly fee.



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