Top 5 Best Home Warranty Companies in Nebraska (2024) (2024)

A hot water heater that goes out on Christmas Eve. An air conditioning compressor that fails on the hottest day in summer. Ask any homeowner, and they’ll have a story about a major system or appliance failure. What can you do?

The answer is: buy a home warranty. The right home warranty protects you when things go wrong. But with so many home warranty plans out there, how do you know which is the best home warranty company in Nebraska?

Home warranties offer peace of mind for homeowners. When you’re in the midst of back-to-back winter storms that stretch from Lincoln to Omaha, it’s a bad time for your heating system to go out. If your home warranty covers your furnace, a simple service call fixes the problem.

However, it’s no secret that the industry has some bad actors and a negative reputation in some circles. Contract exclusions can be confusing, and the claims experience isn’t always simple. This is why I call and request quotes, read the reviews, and compare what each home warranty covers before I recommend the best home warranty companies in Nebraska. 

We base our reviews on actual research and experience, using Today’s Homeowner’s specific review criteria to determine rankings. Actual factors analyzed include coverage limits, plan options, affordability, and more. Our goal is to help you find the best home warranty coverage, one that gives you peace of mind instead of another headache when home systems break down.

Why Trust Us?

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


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


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


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 Nebraska Home Warranty Companies


  • Liberty Home Guard is easily a winner in my book – the largest add-ons list of any service provider and fast turnaround times in Nebraska for service requests are offerings you can’t find with any other provider and made my choice to go with Liberty Home Guard easy.
  • If you read anything in the sample contract, read the exclusions. There are catches and surprises most of the time. Be sure to look out for exclusions regarding misuse and maintenance records. AFC Home Warranty company is one home warranty company that requires maintenance and repair records to approve claims, so keep that in mind.
  • If you live in a part of Nebraska that’s experienced significant flooding recently, you might want to buy a policy from a company that has add-on coverage for sump pumps – like Liberty Home Guard and Choice Home Warranty, but keep in mind possible storm-related or natural disaster exclusions.

My Expert Recommendation

Even with a protection plan that covers your sump pump, it’s still stressful to have an inch of water in your basement! The best home warranty company charges fair premiums and service fees, covers all the important systems and appliances in your house, and has excellent customer service, which gets that water out of your basement pronto. Which is why I recommend Liberty Home Guard. 

I picked up the phone and called every home warranty company on this list. The representative for Liberty Home Guard had a polite, friendly manner and wasn’t pushy. Its online customer reviews are some of the best in the business. 

Pricing for policy premiums falls within the range of other home warranty service providers, though its service fee is on the high end. Unlike homeowners insurance, policyholders don’t pay a deductible when something breaks down. Instead, most protection plans charge a service fee. Homeowners should factor this into the overall cost of the home warranty when choosing a service provider. 

I loved that the company had actual data on their last 30 service calls in the Omaha area and could back up their claims. While I might choose a different warranty plan if I didn’t need as much coverage and wanted to

Today’s Homeowner Tips

The best home warranty company plan covers home systems and home appliances that might break down. Ask yourself which home appliances have broken down in the past or are older and might fail, and pick a plan that covers them. Try to avoid paying for coverage options that you don’t really need, and avoid companies that require service records if you haven’t kept track.

Nebraska Home Warranty Companies I Didn’t Include

Unfortunately, not all home warranty providers act in good faith. If a company has an unclear contract, uses aggressive sales tactics, or if they have poor customer feedback, you’ll want to steer clear. There are two home warranty companies in Nebraska that I simply can’t recommend.

Service Plus Home Warranty has a spotty reputation and an abysmal Better Business Bureau rating of B and 1.12/5 stars. In 2021, the company had to pay a settlement of $400,000 to the Office of the Attorney General for deceptive marketing. When I applied for a quote online, they immediately spammed my phone with texts and calls, even though I had unchecked the box to receive texts. 

US Home Guard is another home warranty provider with an F rating on the Better Business Bureau website. Complaints include fraudulent marketing that uses scare tactics — Your home warranty is about to expire! — through mailers sent to homeowners that had never been customers. 

I’m a big believer in “how you start is how you’ll go on,” and can’t recommend companies that start their relationship with deceptive and aggressive marketing tactics. 

Compare The Highest-Rated Home Warranties In Nebraska

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

Our Reviews of the Best Nebraska Home Warranties

Best for Customization

Liberty Home Guard


Our Rating

Limited Time:

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

Liberty Home Guard delivered on its strong industry reputation in all of my interactions with the company.  The company operates with a high level of integrity. For example, they do not auto-renew contracts but check if you want to renew, and customers can opt-out for any reason at any time during the contract period and receive a partial refund.

Salespeople answered questions, had data on Nebraska readily available, and gave me time to think about the purchase without complaint or pushiness. I like that Omaha is one of their top well-covered areas. According to a company representative I spoke with, the average response time of four to ten hours for their last 30 claims. 

There’s not much to dislike about Liberty Home Guard. I had an overwhelmingly positive experience. However, the prices for some of their additional coverage options can be higher than competitor’s prices. And some homeowners may not need any of those add-ons or find them useful. 

Liberty Home Guard is my top pick for Nebraska. Thanks to their large network of service technicians, you won’t wait long for a call. And their app makes it easy to file and track claims. From their friendly service to their large list of customization options, they’re a winner in my book.

Liberty Home Guard divides its coverage plans by either covering appliances or home systems. These options could be convenient if you’ve purchased appliance coverage through your local energy company or separate warranties from the manufacturers. All plans start within 30 days of purchase. 

The systems plan covers ductwork, an air conditioner, plumbing systems, heating systems, electrical systems, and water heaters. The appliance guard plan covers all your major appliances – including garage door openers, ceiling fans, exhaust fans, and garbage disposal. If you want it all, select the Total Home Guard plan. It combines the coverage of both the systems plan and the appliance plan. If you don’t have separate coverage of either systems or appliances through warranties, it’s your best and most comprehensive coverage plan. 

All plans offer two months free if you pay the entire year in advance and additional months free if you prepay for additional years. When I spoke to the customer service representative over the phone, he offered a year of the Total Home Guard coverage plan for $575, an additional $24 less than the online quote. A call to inquire about pricing on a holiday weekend sweetened the deal with an offer to lower the service fee to $85. According to him, better offers are available when you call. 

Plan Monthly Cost Service Fee Available Discounts
Appliance Guard $49.99 $125 One year paid in advance $499.99 (2 months free)
Systems Guard $54.99 $125 One year paid in advance $549.99 (2 months free)
Total Home Guard $59.99 $125 One year paid in advance $599.99 (2 months free) online, $575 (2 months free) over the phone

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 Omaha. The cost data presented was accurate at the time of publication. 

Available Add-Ons

Liberty has an exhaustive list of available add-ons, the most I’ve seen in my research. To customize the best plan for your home, select from these 42 add-ons.  

  • Pool and spa: $19.99/month
  • Additional spa: $9.99/month
  • Lawn sprinkler system: $9.99/month
  • Saltwater pool: $23.99/month
  • Generator: $19.99/month
  • Casita guest unit: $35.99/month
  • Sump pump: $8.99/month
  • Well pump: $12.99/month
  • Septic system pumping: $12.99/month
  • Ejector pump: $14.99/month
  • Grinder pump: $14.99/month
  • Limited roof leak: $11.99/month
  • Re-Key: $9.99/month
  • Gutter cleaning: $14.99/month
  • Pest control: $14.99/month
  • Carpet cleaning: $19.99/month
  • Window washing/cleaning: $19.99/month
  • Power washing (exterior flooring): $19.99/month
  • Central vacuum: $8.99/month
  • Stand-alone freezer: $5.99/month
  • Water softener: $13.99/month
  • Swamp cooler: $14.99/month
  • Second refrigerator: $7.99/month
  • Trash compactor: $7.49/month
  • Ice maker (in-fridge): $3.99/month
  • Freestanding ice maker: $14.99/month
  • Wine cooler/fridge: $11,99/month
  • Water dispenser water line: $4.99/month
  • Instant hot water dispenser: $9.99/month
  • Reverse osmosis water filter system: $14.99/month
  • Lighting fixtures: $7.99/month
  • Plumbing fixtures: $7.99/month
  • Electronics protection: $19.99/month
  • TV mounting (up to 65-inch TVs): $14.99/month
  • TV mounting (up to 85-inch TVs): $19.99/month
  • Pro-Series Refrigerator: $14.99/month
  • Pro-Series Stand Alone Freezer: $14.99/month
  • Pro-Series Range/Oven/Cooktop: $12.99/month
  • Pro-Series Dishwasher: $7.99/month
  • Pro-Series Microwave: $4.99/month
  • Pro-Series Washing Machine: $4.99/month
  • Pro-Series Clothes Dryer: $4.99/month

Liberty Home Guard takes customization one step further. If there are specific items you wish to have covered that are not currently offered, LHG asks you to reach out to them. You’ll need to provide the make and model of your system or appliance, and they claim they “will make every effort to determine if we can provide you with specialized coverage for those items.”


All of Liberty Home Guard’s plans exclude the following: 

  • Flues, vents, chimneys, and exhaust lines
  • Electronics, computerized, “smart,” or Internet/enabled components and parts
  • Filters associated with any covered items
  • Remote receiving and transmitting devices
  • Radon and other leak detection monitoring systems
  • Fire sprinkler systems
  • Lighting 
  • Solar systems and applications
  • Cosmetic defects
  • Disposal of appliances, systems, or components
  • Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
  • Glass parts
  • Noise

Most of these are standard industry exclusions and not a reason to strike Liberty Home Guard from your list of potential home warranty companies.

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’s pricing is in line with industry standards for their three coverage plans. Some add-ons cost slightly more than competitors charge — for example, a sump pump is  $8.99 more a month versus $3.33 from Choice Home Warranty. To get the best deals, pick up the phone or place a call. 

When secret shopping, I applied for a quote online and spoke to a customer service representative over the phone. The online form was quick and easy to complete. The customer service representative had a friendly demeanor. He didn’t react poorly when I said I needed a day to think about buying the plan and gave me his direct number to call back. 

The agent answered all my questions and volunteered helpful information I hadn’t thought to ask – for example, contracts do not auto-renew, so there are no surprise credit card charges. The renewal department calls 60 days prior to your contract’s expiration date to see if you want to renew.  However, he jumped directly to offering the Total Home Guard plan and didn’t ask any exploratory questions to determine if it was the best plan for my house. Plus, some negative reviews are swirling around online regarding items not being covered under warranty and a long waiting period (30-60 days) in the sample contract, so we scored Liberty a 7.8 out of 10.

Liberty Home Guard has been in business since 2017. While a newer home warranty provider, they have built a strong reputation. Customer reviews on Trustpilot award them 4.7 out of 5 stars, a positive rating that’s almost unheard of for the industry. Reviews mention great customer service and quick claim resolution. 

Negative customer reviews primarily relate to misunderstandings about coverage and reimbursement, fairly common complaints for home warranty plans. 

Rating Site Rating Number of Reviews
BBB Not Rated* Customer Reviews are not used in the calculation of BBB Rating
Trustpilot 4.7 / 5 stars 2,298
Google 4.7 / 5 stars 9,693
Yelp 1.4 / 5 stars Varies by location

*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 2/14/24): 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.

Once you sign up for a Liberty Home Guard policy, the company sends a link to set up your customer portal on their app. It’s easy to file claims through the app or by calling their service center. You can even track your service technician’s progress and arrival times. 

According to the representative I spoke with, the average response time for the last 30 claims in Omaha, Nebraska, was just 4-10 hours. A recent partnership with Progressive Insurance has widened the company’s network of technicians exponentially, and Liberty Home Guard has a strong presence in the area. 

Homeowners nationwide can purchase a Liberty Home Guard policy. Nationwide availability shows that the company has done the work to follow regulations in multiple states, increasing its trustworthiness. They also have the financial resources to pay out claims. 

Best Coverage Limits

American Home Shield


Our Rating

Limited Time:

40% Off Our Most Popular Plan

An excellent choice if you have high-end, luxury appliances or a finicky HVAC system, American Home Shield has the best coverage limits in my research. While other companies put the maximum at $2,000 or $3,000 for HVAC work, American Home Shield gives you up to $5,000 in coverage. Under the ShieldPlatinum plan, you’ll receive $4,000 in appliance coverage and roof leak coverage. 

For homeowners with expensive appliances and systems that they want to protect, American Home Shield has a clear advantage over their competitors.  Their Shield Platinum Plan even gives you free HVAC tune-up. The company’s policies include up to a $50,000 limit for the whole year’s coverage under every plan.

Customer reviews indicate dissatisfaction with American Home Shield’s customer service. Complaints range from difficulty in reaching anyone to help with a claim to a lack of service technicians in their area.  When I spoke with a customer service representative, I specifically asked about their network in Nebraska, and her answers did not comfort me.  

While the woman stated that the company had 17,500 contractors and 45,000 service technicians in their entire network, she was unable to provide  Nebraska-specific data. Any attempts to pin her down to an average response time or the number of technicians in the Omaha area failed — she talked around the question.

American Home Shield’s service fees also run a little higher than their competitors.  For homeowners with older homes and appliances, service fees could mount up quickly. 

Homeowners with luxury appliances and complex systems will receive the most protection from an American Home Shield home warranty. If they can afford a higher service fee, it lowers their monthly costs. Just be aware that, like most home warranty providers, there’s a 30-day waiting period before your policy kicks in.

American Home Shield sells three service plans. At their most basic level, ShieldSilver, your heating and air conditioning systems, electrical systems and accessories, and plumbing systems and accessories all have coverage. But it doesn’t cover any appliances. The next plan, ShieldGold, includes everything in the ShieldSilver plan, plus kitchen and laundry appliances. With ShieldPlatinum, you get everything else plus roof coverage – a rarity in the home warranty industry. 

It’s when you look at coverage limits that American Home Shield stands out from the crowd. The HVAC limit is $5,000 per system; the appliance limit is $2,000 per appliance under the ShieldGold plan and $4,000 per appliance under Shield Platinum, Shield Platinum even covers $250 of code violations, permits, and modifications. 

Their website currently offers 40% off their most popular plan. Service fees can be higher or lower depending on what you choose to pay monthly. For example, if you select the ShieldGold plan with a $125 deductible, the monthly fee is only $44.93. If you choose a $100 deductible, the fee rises to $51.35. While this gives you flexibility to adjust your monthly fees, it can be confusing. 

Plan Monthly Cost Service Fee Available Discounts
ShieldSilver $49.99 $100-$125 No current discount
ShiledGold $41.99 $100-$125 40% off on the website
Shield Platinum $99.99 $100-$125 No current discount

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 Omaha. The cost data presented was accurate at the time of publication.

Available Add-Ons

American Home Shield has one of the smaller lists of available add-ons among its competitors. If your home has a lot of extras, it may not be the best home warranty provider. Not all home warranty plans offer roof leak protection which, since leaks and roof damage can cause serious issues, is a great add-on. 

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

American Home Shield’s exclusions are industry standard. If you opt for two of their higher-tier plans, you still get a lot of bang for your buck. 

  • Construction or carpentry costs
  • Restoration of walls
  • Flues, chimneys, venting, and exhaust lines
  • Repairs or replacements due to cosmetic defects
  • Repairs due to mold
  • Appliances not covered under the ShieldSilver plan
  • Natural disasters

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.

The higher service fees knock a few points off American Home Shield’s affordability. If you end up using your plan a lot, the $100-$125 fee can add up. However, you get amazing coverage for those fees, and you can always lower the service fee by paying more monthly.

While their monthly fees are comparable to competitors, it’s confusing to have the option to adjust them based on the service fee. Their website doesn’t do a good job explaining this, and I only understood after asking the service representative several questions.

On the positive end, American Home Shield’s 30-day waiting period before coverage starts is better than most competitors that make new customers wait 60-plus days before their plans kick in. Navigating AHS’s website is user-friendly,  allowing easy access to obtaining a quote, reviewing pricing, and exploring optional add-ons as you make decisions about selecting your plan.

However, my personal experience with an AHS rep over the phone wasn’t ideal.  Answers sounded as if they came from a script. The representative had difficulty understanding my questions and could not give specific answers, just rote references to the company’s five decades in business and large network.  The representative had one goal – to close the deal – and made it hard to politely get off the phone.

Unfortunately, American Home Shield has a lower reputation.  The company has a Better Business Bureau score of B, and over 11,000 customers have given them just 2.12 out of 5 stars. Complaints often address poor customer service, the lack of qualified service technicians in their area,  and difficulty canceling their contracts. 

In reading reviews, it’s obvious that experiences vary widely and depend on the local service technicians. Longer-term customers mention a recent decline in customer service.  

Rating Site Rating Number of Reviews
BBB B Customer Reviews are not used in the calculation of BBB Rating
Trustpilot 2.2  / 5 stars 5,197
Google 2.8 2,379
Yelp 1.1 / 5 stars 1,256 

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

If you need service, you can file claims online or call the company. According to the customer service representative, their contractors set up your service appointment within 24-48 hours. Emergencies receive a 24-hour response, and the company guarantees the work.

American Home Shield sells policies nationwide and has a large network of 17,500 contractors and 45,000 service technicians.

Best Claims Acceptance

Choice Home Warranty


Our Rating

Limited Time:

$50 Off + 1 month free!

It’s stressful to file a claim with an insurance company — the last thing you want is to go through the whole process and receive a denial letter. Choice Home Warranty has a 90% claim acceptance rate. You can file a claim online or by calling their helpline, and both are available 24/7/365 days a year. 

Choice Home Warranty works with local service providers. It begins looking for a provider within four hours of your request, but the contract says that it can take more than 48 hours for a service provider to accept the request. The time frame between a service provider accepting the request, however, was unknown, and the customer service representative I spoke with didn’t have a concrete answer to the question. 

Information is not easy to find or clearly disclosed on Choice Home Warranty’s website unless you provide them with your contact information. While the contract is public, plan options and coverages, fees for add-on coverage, and pricing are unavailable publicly. It also has a much smaller list of add-ons than other competitors. 

The Basic plan has odd exclusions – such as your refrigerator – which are almost always included in other company’s cheapest plans. Judging from customer complaints and a rating of 1.04 stars out of 5 stars on the BBB website Choice Home Warranty fails to communicate exclusions and coverage limits to subscribers properly. 

In two different phone calls, customer service representatives did not maintain consistent pricing when telling me the standard, undiscounted annual fee for the Total Plan. Discounts offered ranged from a flat $100 off to $100 off plus one month free (which resulted in a total discount of $140). However, to get the second option, you had to pay in advance. 

I find it concerning that the company’s representatives quoted different base prices for the same plan and, when I asked about this, didn’t have a good answer. Also, the first representative said I had to pay a year in advance, whereas the second representative said that I could pay monthly. Poorly trained sales representatives who give buyers inconsistent information lowers my confidence in the company.

Choice Home Warranty makes it easy to choose between their two plans, with simple pricing and a clear table of coverage options. For homeowners concerned about both easily filing claims and claim approval rates, they have a reassuring reputation. After 15 years in business, there is not much risk that they will be unable to cover a claim. 

Their BBB customer reviews do cause some concern, and I’d advise homeowners to look at reviews specific to Nebraska. Because the company uses local service technicians, experiences with service calls will vary.  However, the company always responds to and attempts to resolve claims.

Choice Home Warranty sells two simple plans: Total and Basic. For some homeowners, overwhelmed by comparing multiple plans, this may be a relief. 

Both plans cover your homes’ heating, electrical, and plumbing systems. Covered appliances under both plans include your stove, cooktop, dishwasher, built-in microwave, and garbage disposal. Only the total plan covers your washer/dryer and refrigerator, as well as your air-conditioning system. 

In my first call with Choice Home Warranty, the representative quoted the fees listed below. However, two days later they called back and said that the annual fee for the Total Plan was typically $725 (not the $760 from the first call), but they had a special to reduce it to $585. If you pay the year in advance, you receive a month free and save a $2.50/month service charge. 

Customers have a smaller list of add-ons that they can choose from, which may not be enough to cover your needs. 

Plan Monthly Cost Service Fee Available Discounts
Total Plan $55 + $2.50 monthly fee$760/year $100 $6.25 online discount$100 off the annual fee when you call in
Basic Plan $46.67 + $2.50 monthly fee$560/year $100 $6.25 online discount$100 off the annual fee when you call in

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 Omaha. The cost data presented was accurate at the time of publication.

Available Add-Ons

Choice Home Warranty offers a variety of valuable add-ons. However, you can only find them listed once you begin the online quote process. Prices per add-on are not listed individually on the website, and you must add them to your quote before you can see their cost. 

I particularly like that additional coverage includes well pumps and sump pumps. Nebraska has experienced major flooding recently, with more predicted in the Omaha area over the next 30 years. Many homes in the area have residential sump pumps to keep flood water out of their basements. 

Available add-ons are listed below and do not change depending on the plan you select:

  •  Pool / Spa – $15/month
  •  Limited Roof Leak – $5.83/month
  • Additional Spa – $15/month
  • Stand Alone Freezer – $3.33/month
  • Central Vacuum – $3.33/month
  • Second Refrigerator – $3.33/month
  • Well Pump –  $8.33/month
  •  Septic System – $10/month
  • Sump Pump – $3.33/month
  • Septic Tank Pumping – $5.42/month

Always read the fine print – especially when it comes to an insurance contract. Every service plan contains exclusions, but failing to know what your home warranty excludes is one of the biggest reasons for claim denials. Choice Home Warranty makes its contract available on its website, and exclusions include:

  • Patios and Porches
  • Any audio/visual or internet connections on refrigerators and freezers
  • Various lines on your septic system or well pump
  • Various components of pools and spas

Other covered items have coverage limits, such as Choice Home Warranty which will only pay up to $500 for costs related to a limited roof leak.

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.

Choice Home Warranty offers two clear pricing plans, both reasonably priced in comparison to competitors. There is a cancellation period of 30 days for a full period, but you can still cancel and receive a prorated amount of unused months as a refund after the 30 days. 

Current online promotions include locking in last year’s pricing, $75 off, and one month free.  While promotions and discounts are likely to change throughout the year, the service representative told me that the company only offers one discount at a time. The policy is cancellable at any time for a partial refund. 

Unlike other home warranty companies, you cannot pay for your policy in monthly installments and still receive a discount. The full annual fee is due up-front. If you’re on a budget, this isn’t ideal. 

Online quotes are delivered quickly and within three screens in a seamless process. Emails and phone calls rapidly follow after you submit a request for a quote. However, the second service representative I spoke with on the phone sounded bored and disengaged. He rushed through answers and did not ask any follow-up questions.  

Choice Home Warranty has been in business for fifteen years. Over that time, it has built a strong reputation. Their high claims approval rate receives praise, as well as their 24/7 accessibility. 

Like any home warranty company, some customers do have complaints. Customer reviews primarily relate to service technicians and misunderstandings about coverage. The business always responds to and attempts to resolve complaints. 

Editor’s Note: 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, its score is reflective of the company reputation independent of the lawsuit, though you should review the allegations if you have any further concerns.

Rating Site Rating Number of Reviews
BBB B Customer Reviews are not used in the calculation of BBB Rating
Trustpilot 3.7/5 stars 37,950
Yelp 1.0/5 stars Varies by location

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

Your clothes washer and dryer, plus your hot water heater, may be conspiring against you. At least, I’ve never had an appliance break at a convenient time. Choice Home Warranty has 24/7/365 days a year availability for filing claims, both online and over the phone. They promise to begin looking for a service provider within 48 hours, and they pay out a high percentage of claims.

Nationwide availability is a measure of trust in a company’s legitimacy. It indicates that they are in compliance with the regulations in multiple states and have the financial resources to pay out claims. A newer company with fewer resources might struggle to pay out claims if a large number came in at once.

Best Value

Select Home Warranty


Our Rating

Limited Time:

$150 Off (Code HOUSE25)

Not only does Select Home Warranty have reasonably priced plans, but it also has one of the lowest service fees in the business. Competitor’s fees range from $100 and up, but Select Home Warranty charges a $75 service fee for each plan. It’s a great pick for budget-conscious shoppers. 

As one of their largest networks, according to the customer service representative, the company dispatches service technicians within 24-48 hours. And workmanship is guaranteed up to 90 days. 

While fees are cheap, judging by online reviews, you might get what you pay for – customers don’t sound very happy. Policies have limited add-ons, which would not work for luxury homes with many features.

 I found the customer service representative to be pushy and abrupt when trying to sell a policy. He did not ask exploratory questions or inquire about why I’d asked for a quote.  His goal was clearly to get my credit card information, which I found off-putting.

Typically, companies put their best foot forward when they’re trying to win your business.  A negative experience at the beginning does not bode well for the rest of the relationship. 

Select Home Warranty gets the job done – with a large network in Nebraska and a 24-48 hour response time. While its customer service representative could have been friendlier, its low prices and cheap service fee make it a good value.

Select Home Warranty’s three plans give homeowners plenty of options to protect their appliances and systems. The Gold Care plan targets homeowners who only want to protect their systems, the Bronze Care serves those who need appliance coverage, and Platinum Care does both. There is no pricing information available online; you will have to speak to someone over the phone. 

Under the Gold Care Plan, you can sleep well at night knowing that your air conditioning, heating, plumbing, and electric systems have protection. The plan also includes ductwork and the hot water heater. 

If you’d rather not have your refrigerator go out when it’s full of food before the big game, pick the Bronze Care Plan. Appliances it covers include the refrigerator but also the washer/dryer, stove, garbage disposal, dishwasher, a built-in microwave, and cooktop. 

The Platinum Care Plan combines Bronze Care and Gold Care and adds on plumbing stoppage, garage door opener, and ceiling fan. 

Plan Monthly Cost Service Fee Available Discounts
Bronze Care $480/ year $75 No current discounts on the phone, though the website quote said $100 off 
Gold Care $480/year $75 No current discounts on the phone, though the website quote said $100 off 
Platinum Care $675/year $75 $150 off over the phone.

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 Omaha. The cost data presented was accurate at the time of publication.

Available Add-Ons

Select Home Warranty has standard add-ons with affordable pricing but nothing fancy. Their offerings are middle of the road, with fewer options than Liberty Home Guard but more than American Home Shield. Add-ons and pricing are: 

  • Central Vacuum: $3.33/mo
  • Lawn Sprinkler System: $5.83/mo
  • Pool: $8.33/mo
  • Roof Leak: $0/mo
  • Septic System: $5.83/mo
  • Spa: $5.83/mo
  • Stand Alone Freezer: $3.33/mo
  • Sump Pump: $3.33/mo
  • Well Pump: $3.33/mo

Select Home Warranty’s contract excludes preexisting conditions that were either known at the time of purchase or should have been reasonably known. If you cancel, you only receive a pro-rata refund and a pro-rata portion of any claim reimbursed. Other exclusions are: 

  • Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by the leak)
  • Incorrect installation or malfunctions due to construction damage or improper wiring
  • Issues with systems or appliances related to hazardous or toxic materials (i.e., mold, asbestos, gas leaks, etc.) 
  • Common areas in condominiums or family homes
  • Solar heating systems
  • Damage caused by natural disasters and rust
  • Defects or damages caused by the foundation and structure of the home

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.

Select Home Warranty has one of the cheapest service calls in the business, $75  a service call versus $100 to $125 at some competitors.  Monthly pricing is comparable, or cheaper, than competitors and they frequently offer discounts. If you want protection but don’t want to break the bank, they’re an excellent choice.

Potential customers can request a quote online but cannot purchase it online. Within a few screens, various plans and pricing appear in an easy chart format. I spoke with a representative on the phone who was short and to the point, rushed through answers, and hung up abruptly when I indicated that I was only comparing options and not ready to buy. 

Select Home Warranty has mixed reviews and scores from its customers. While the company has a B rating on the Better Business Bureau, customers rate it 1.43 out of 5 stars. Customers claim that the company refused to pay the full amount of repairs, denied every claim they submitted, or took too long to make repairs.  

The company fares better on Trustpilot, with a higher score of 3.8  out of 5 stars. While negative reviews skew toward actual service and coverage, positive reviews mention that the sales service was great. The patterns in the reviews make me wonder if the company works to get your business, and then service falls off once you make a claim.

Rating Site Rating Number of Reviews
BBB B Customer Reviews are not used in the calculation of BBB Rating
Trustpilot 3.8 / 5 stars 4,620
Google 1.6 27

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

Select Home Warranty makes it easy to submit a claim online or you can choose to submit by phone. Unfortunately, while Select offers a typical claims intake process, its 48-hour response time lags some competitors who aim for 12 hours or less, so for this reason, we scored Select at a 7.6 for the claims process. 

Select Home Warranty sells policies nationwide. Its large network gives homeowners confidence that any needed repairs will receive service. 

Best for Additional Benefits

AFC Home Warranty


Our Rating

Limited Time:

$200 off + free roof leak coverage

AFC Home Warranty has the most coverage plans and options within those plans.  It also offers the ability to lower your monthly premiums when you agree to pay a higher service fee.  The company clearly values flexibility and serving customer needs. 

Its website offers a comprehensive overview of plans, answers questions clearly, and makes it easy to apply for quotes and submit claims.  The company operates with a high level of transparency. 

In many cases, the monthly pricing for add-ons is the highest I’ve seen in the business. A sump pump costs $35 a month, as compared to $8.99 a month with Liberty Home Guard or $3.33 a month from Choice Home Warranty.

Unfortunately, customer reviews indicate a high level of dissatisfaction with their home warranty. Many of them were unaware of coverage limits and replacement policies. The company makes sample contracts available online, so it’s wise to familiarize yourself with them.

If you’re not looking for additional coverage with your home warranty plan, AFC Home Warranty provides a good variety of options within its standard plans. The Diamond Plan includes home electronics — unusual in the industry — which would be great for homeowners who’ve invested in expensive electronics. Homeowners even have flexibility in whether or not they pay a high service fee. 

I found it easy to navigate its up-to-date and user-intuitive website. Its comprehensive FAQ sections answer most questions that you might have, and a customer service representative will help with the rest. 

AFC Home Warranty scores high for the number of plans and coverage it sells.  No other competitor gives homeowners four plan options. You can lower the pricing on any plan by choosing a higher service fee — similar to how a high deductible under homeowners insurance typically lowers your premiums.

The Silver Plan works best for homeowners concerned about appliance coverage. Nine common household appliances — everything in the kitchen from the refrigerator to the garbage disposal, your washer/dryer, and a garage door opener — will have protection. 

Building on the Silver Plan, under the Gold Plan your air conditioning and heating system, electrical systems, plumbing, water heater, and ductwork all receive coverage. Once you’ve reached the Platinum Plan, you receive all of the benefits of the Silver and Gold Plan plus plumbing stoppages, an ice maker, faucets, a built-in microwave, exhaust, attic, and ceiling fans. 

Paying an additional $35, approximately, for the Diamond Plan might not be worth it. AFC’s most comprehensive plan also covers electronics and exterior water and sewer lines. While an exterior sewer line repair can be quite costly, if you know that your line is newer and in good condition, this plan could be overkill. 

Plan Monthly Cost Service Fee Available Discounts
Silver $35.25 $75 -125 Up to $250 off, free rook leak protection
Gold $49.75 $75 – 125 Up to $250 off, free rook leak protection
Platinum  $54.48 $75 – 125 Up to $250 off, free rook leak protection
Diamond $89.17 $75 – 125 Up to $250 off, free rook 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 Omaha. The cost data presented was accurate at the time of publication.

Available Add-Ons

AFC Home Warranty has a decent-sized list of add-on options sold at the following prices: 

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

Available add-ons can apply to any coverage plan. 


Despite the variety of their plans, all of them exclude the following from coverage:

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

Watch out for the fine print, too. If you submit a claim for items that haven’t been properly maintained, including staying on top of routine maintenance, AFC could deny it. Before accepting service requests on HVAC systems, the company requires that you submit an annual maintenance log from licensed technicians. If a technician made a recommendation on a prior visit and you didn’t have the work done, you forfeit coverage.

For homeowners who struggle to keep track of receipts and records, this extra step could prove to be a barrier to receiving service, and an annoyance.

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.

By far the most expensive option of any competitor, the Diamond Plan carries a steep price tag. However, it also covers items that no other plan includes (exterior water and sewer lines). Other plans have prices in line with their competitors and currently offer discounts.

A nice bonus to AFC’s plans is that you can lock in pricing for five years.  If you plan on staying in your home and want long-term protection at affordable rates, it’s a great option. 

The online customer experience receives high marks. I appreciate it when I can find everything I need online and in writing because I can verify what I’m told over the phone. Online information included sample contracts, the coverage under each plan, and pricing. 

The customer service representative had a polite demeanor and patiently answered all my questions, particularly when I acted confused about the different service fees. I didn’t feel rushed or pressured to make a purchase. 

While AFC Home Warranty has a B rating from the Better Business Bureau, customers who’ve left reviews have given them just 2.85 out of 5 stars. It ranks only slightly higher on Trustpilot, with 3 out of five stars, and does best on Google reviews. 

Most reviews mention that AFC Home Warranty denied claims that the homeowner thought valid, that the service technician was unable to repair the item, and that the contract’s fine print misled the buyer. Many negative experiences relate to coverage limits and contracts, so I would advise any homeowner to read the fine print carefully.

AFC Home Warranty pays up to $3,000 per item per membership term. It’s important to note that if you buy a three-year policy, that is your term. If you had a $3,000 HVAC repair in year one and it broke again in year three, it would not be covered. Limits on other items range from $150 – $300. 

Rating Site Rating Number of Reviews
BBB B Customer Reviews are not used in the calculation of BBB Rating
Trustpilot 3 out of 5 stars 24
Google 3.7 1,594
Yelp 1.9 334

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

Online reviewers mention a positive claims process for approved claims. They state that AFC Home Warranty regularly updated the claimant on the claim’s status and the technician’s progress.  Other reviews said the repair technician was knowledgeable and professional. 

If you need to file a service request, go to their website and fill out a quick form or place a call. It promises that a technician will contact you within  24-48 hours. Payment flows directly from AFC Home Warranty to the service provider.

AFC Home Warranty operates in 48 states (it excludes California and Hawaii). As their plans are the same, regardless of location, it must follow the regulations in every state. This inspires a high degree of trust. 

Calculate the Cost of a Nebraskan Home Warranty

Our home warranty cost calculator can help you determine the yearly costs associated with your specific home warranty plan. Below, input your estimated monthly premium, service call fee, and the number of claims you anticipate having to calculate your yearly home warranty cost.

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

Nebraska Home Warranty Regulations

Home insurance companies fall under the banner of “property and casualty” and are regulated at both the federal and state levels. The licensing department at the Nebraska Department of Insurance regulates and issues licenses and renewals for home warranty companies. On their website, you can find information about legal actions taken against a company or file a complaint. 

Under Nebraska’s laws, insurers have 15 days to start investigating a claim and must settle claims fairly. If an insurer denies a claim, their denial must reference a specific exclusion in what your plan covers. These regulations also apply to homeowners insurance.  

FAQs about the Best Home Warranties in Nebraska

Do You Need a Home Warranty in Nebraska?

Homeowners insurance covers your property and its exterior, and not necessarily your HVAC system or plumbing system like a home warranty. But it’s a good barometer for factors that may lead to a home warranty claim. Increased claims and higher premiums for homeowners insurance could indicate that you need a home warranty policy, too.

How Much Does a Home Warranty Cost in Nebraska?

The average cost of a home warranty in Nebraska is $50.30. Many factors – including coverage limits and covered items – contribute to what a home warranty costs, and your quote might vary depending on your selections.

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

When you’re shopping for a home warranty, much like homeowners insurance, you’re buying a product that you hope you’ll never have to use. Because of that, you probably don’t want to overpay. 

If you want to pay less for a home warranty, consider providers such as AFC Home Warranty or American Home Shield, where you can lower your monthly premium by selecting a higher service fee.  Talking to representatives on the phone typically meant better deals, and waiting a few days between talking to them and purchasing led to even lower offers. 

Is a Home Warranty Worth It for Nebraskan Homeowners?

A home warranty is worth it for Nebraska because the Cornhusker state experiences many extreme weather events that impact home systems. From polar vortexes and flooding in Omaha to tornados in central Nebraska, a home warranty is a wise investment for homeowners who want to keep everything functioning smoothly and avoid costly emergency repairs.

Best Home Warranties by State

Source link

Latest articles

Related articles