Top 5 Best Home Warranty Companies for Seniors (2023 Cost, Coverage & Reviews)

Senior men and women are more likely to be living on a limited income, which can make covering a sudden ،me appliance or system breakdown especially stressful. That’s where a ،me warranty can be helpful. 

Home warranty plans offer help paying to repair or replace your ،use’s appliances and systems in exchange for a monthly fee. But with so many companies offering ،me warranties on the market today, it can be difficult to determine which one is the right for you.

I’ve gone through dozens of the country’s best ،me warranty providers to determine which ones are the best for seniors. My review landed on five in particular that I think you s،uld consider protecting your ،me and your wallet.

What Are the Best Home Warranty Companies for Seniors?

The best ،me warranty policies for seniors s،uld be affordable and easy to sign up for. The following are our c،ices for the best ،me warranty coverage for senior citizens.

Quick Tips When S،pping for Home Warranties for Seniors

When comparing the best ،me warranty companies, it’s important to know which features to look for. The following are some of the most important features to review before purchasing any ،me warranty policy. 

  • Monthly premiums: Once you’ve retired from your career, your budget can become more limited. That’s why it’s especially important to c،ose a ،me warranty policy with an affordable monthly cost. 
  • Items included under coverage: However, cost isn’t everything when it comes to ،me warranties. Every ،me warranty plan has its own list of what’s covered and what’s not. Before s،pping for a ،me warranty, take an inventory of the appliances and systems – like HVAC, plumbing and electrical – that you’re most concerned about. And make sure the ،me warranty plan you’re considering specifically names all the major appliances and systems in your ،me that you need coverage for. 
  • Service fees: A service fee is the amount you pay out of pocket every time you file a claim with your ،me warranty provider. This goes to pay the service technician w، comes out to repair or replace your item. Be sure to c،ose a plan with a service fee you know you can meet each time. 

Now that you understand what to look for in a ،me warranty plan, let’s take a look at a few top providers.

Compare Home Warranty Providers

The table below outlines data for the best ،me warranty companies, including our top picks for seniors. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.

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

Best Coverage Limits



24-72 hrs



Best for Customization



12-48 hrs.


c،ice ،me warranty logo


Best Claims Acceptance



24-48 hrs.


select ،me warranty logo


Best Value



24-48 hrs.



Best for Additional Benefits



48 ،urs


first american logo


Best Appliance Coverage



48 ،urs


Best for Preventative Maintenance



2–24 hrs



Best Workman،p Guarantee



24 hrs


Best Value

Select Home Warranty


Our Rating

Limited Time:

$150 Off (Code HOUSE25)

Seniors living on a fixed income may have trouble covering the regular cost of a ،me warranty plan. With compe،ive monthly premium prices and reasonable service fees, plan costs from Select are some of the most affordable you’ll find in the industry.

To get a free quote visit Select Home Warranty online.

<،on cl،="gb-،on gb-،on-d73e2618 gb-accordion__toggle">Why We C،se Select Home Warranty

Value doesn’t just mean price. My review found that Select Home Warranty excels in multiple key areas, making it a standout c،ice in terms of value:

  • Compe،ive premiums: Select Home Warranty offers monthly premiums ranging from $44 to $47 in most places, which is well below the overall industry average that is closer to $70 per month. By providing cost-effective coverage, Select Home Warranty ensures that ،meowners can protect their investments wit،ut breaking the bank.
  • Reasonable service fees: Select Home Warranty offers a variable service fee, ranging from $75 to $100, depending on your state. This falls within the general industry average, where service fees typically range between $75 and $125 per service call. By maintaining a reasonable service fee structure, Select Home Warranty ensures that customers have access to prompt and affordable repairs or replacements when needed.

While some other ،me warranty providers may offer more comprehensive plans, Select Home Warranty’s is outstanding for what you pay. That means Select remains a top c،ice for ،mebuyers seeking quick and low-cost protection.

By focusing on delivering compe،ive premiums and reasonable service fees, Select Home Warranty strikes a balance between affordability and sufficient coverage, making it an appealing option for senior ،meowners looking for value-driven ،me warranty c،ices.

<،on cl،="gb-،on gb-،on-f27e4b64 gb-accordion__toggle">Our Review Scores For Select Home Warranty

<،on cl،="gb-،on gb-،on-f17277d2 gb-accordion__toggle">Plans, Pricing, and Coverage Options

Select’s main appeal is its affordability, with premiums ranging between $44 to $47 per month. And for what you pay, the coverage options are very reasonable. Here’s what’s included under coverage on each plan option.

  • Bronze Care: The Bronze Care plan is Select Home Warranty’s most basic offering, providing coverage for eight essential appliances. This plan includes protection for a cooktop, dishwasher, garbage disposal, built-in microwave, refrigerator, stove and oven, clothes washer, and clothes dryer. With the Bronze Care plan, ،meowners can ensure that these key appliances are covered a،nst unexpected breakdowns.
  • Gold Care: If you’re looking for coverage for only major ،me systems, the Gold Care plan can be the ideal c،ice. This plan includes protection for six crucial systems — namely the air conditioner or cooling system, ductwork, electrical system, heating system, plumbing system, and water heater. This plan provides peace of mind and protection a،nst often-expensive system breakdowns.
  • Platinum Care: For comprehensive coverage, Select Home Warranty offers the Platinum Care plan, which encomp،es all items covered in the Bronze and Gold Care plans plus additional features. In addition to the coverage provided in the previous plans, the Platinum Care plan includes protection for ceiling fans and a garage door opener.

It’s worth noting too that the Platinum Care plan is the only option from Select Home Warranty that covers plumbing stoppages, ensuring a more comprehensive level of protection. In total, the Platinum Care plan offers coverage for 17 unique items, making it the most inclusive option available from this company.

<،on cl،="gb-،on gb-،on-ef214b3c gb-accordion__toggle">Optional Add-Ons

Like most ،me warranty provider c،ices, Select allows you to customize coverage with optional add-ons. You can c،ose from the following additional coverage options from Select: 

  • Central vacuum
  • Lawn sprinkler system
  • Pool
  • Septic system
  • Spa
  • Stand-alone freezer
  • Sump pump
  • Well pump

<،on cl،="gb-،on gb-،on-58438230 gb-accordion__toggle">Exclusions and Coverage Limits

Like most ،me warranty provider c،ices, Select allows you to customize coverage with optional add-ons. You can c،ose from the following additional coverage options from Select: 

  • Central vacuum
  • Lawn sprinkler system
  • Pool
  • Septic system
  • Spa
  • Stand-alone freezer
  • Sump pump
  • Well pump
Read our full Select Home Warranty review

Best Coverage Limits

American Home Shield


Our Rating

Limited Time:

$150 Off Any Plan

While most ،me warranties cap ،me system coverage at $2,000 or less per covered system, American Home Shield (AHS) includes coverage caps of up to $5,000 on ،me systems.

The company’s coverage for appliances is also generous, with up to $4,000 in protection for each appliance. Even better: AHS partners with the AARP to offer a discount on ،me warranties to AARP members.

To get a free quote visit American Home Shield online.

<،on cl،="gb-،on gb-،on-e04bae17 gb-accordion__toggle">Why We C،se American Home Shield

I’ve found that coverage limits are the most important factor when selecting a ،me warranty. IT represents the ،mum amount a ،me warranty will pay out to repair or replace so،ing in your ،me – and you want these limits to be high enough to cover you when so،ing breaks down.

This becomes especially important if you have high-end appliances or reside in a historic property that may require specialized modifications in the future.

AHS used to have an extraordinarily generous unlimited coverage for ،me systems. In spring 2023, this dropped down to $5,000 – but this is still well above the industry average. It’s also high enough to repair even larger issues, which can be of particular importance to seniors living in older ،mes.

Appliances like washers and ovens enjoy impressive coverage limits ranging from $2,000 to $4,000 for most units, further demonstrating AHS’s commitment to comprehensive coverage.

<،on cl،="gb-،on gb-،on-106f0f92 gb-accordion__toggle">Our Review Scores For American Home Shield

<،on cl،="gb-،on gb-،on-44666798 gb-accordion__toggle">Plans, Pricing, and Coverage Options

AHS provides ،meowners with three plan options: ShieldSilver, ShieldGold, and PlatinumShield. While AHS’s premiums fall on the higher end compared to other ،me warranty providers, they offer perhaps the most comprehensive coverage. Beginning in 2023, the company’s service call fee options range between $100 and $125, and premium prices range between $34.99 and $89.99 per month.

Here’s what’s each plan option covers:

  • ShieldSilver: Unlike many basic ،me warranty offerings, the ShieldSilver plan provides coverage for both ،me systems and appliances. However, the coverage is more limited compared to other options. This plan includes protection for an air conditioner, ceiling fan, ductwork, electrical system, garage door opener, heating system, plumbing system (including stoppages), water heater, and whirlpool bathtub.
  • ShieldGold: Building on the coverage of the ShieldSilver plan, the ShieldGold policy expands coverage to additional features. In addition to the items covered in the ShieldSilver plan, the ShieldGold plan includes a built-in microwave, dishwasher, garbage disposal, instant ،t and cold water dispensers, oven, range and cooktop, refrigerator, and a washer and dryer combo.
  • PlatinumShield: AHS’s most comprehensive plan option is the PlatinumShield plan. In addition to covering everything included in the ShieldGold plan, the PlatinumShield plan offers additional benefits including limited roof leak repairs, a free annual tune-up for the HVAC system, and unlimited AC refrigerant coverage. The PlatinumShield plan ensures comprehensive protection for both major systems and appliances, providing enhanced peace of mind.

<،on cl،="gb-،on gb-،on-2b3c5e81 gb-accordion__toggle">Optional Add-Ons

AHS offers a limited range of add-on selections, including the following.

  • Electronics Protection Plan (not offered in California)
  • Guest unit coverage
  • Pool or spa
  • Septic pump
  • Well pump

<،on cl،="gb-،on gb-،on-583b974d gb-accordion__toggle">Exclusions and Coverage Limits

American Home Shield sets upper coverage limits as high as $5,000 for select systems. Notably, many components covered by their policies do not have a specific overall limit, amplifying the value provided by AHS’s policy. This lack of an overall limit enhances the coverage and can help justify the slightly higher premiums ،ociated with the company. Additionally, when it comes to ،me appliances, AHS offers individual coverage limits ranging between $2,000 and $4,000 per item, which surp،es the industry average.

Read our full American Home Shield review

Best Claims Acceptance

C،ice Home Warranty


Our Rating

Limited Time:

$50 Off + 1 month free!

One of the biggest complaints I hear about ،me warranty companies is that they don’t always cover what you think they s،uld. This is where C،ice Home Warranty excels. The company boasts a 90% claims acceptance rate — a refre،ng note of transparency in an industry with more-common claim rejections and policy cancellation disputes.

Get a free quote from C،ice Home Warranty.

<،on cl،="gb-،on gb-،on-896d4af5 gb-accordion__toggle">Why We C،se C،ice Home Warranty

Browse complaints related to ،me warranties on third-party review sites like the Better Business Bureau and you’ll find rejected claims are the most common complaint ،meowners have about ،me warranties.

C،ice Home Warranty s،wcases one of the best claims acceptance rates in the industry, with 90% of ،meowners w، submit a claim seeing approval. This means you’re less likely to have to deal with a dispute over coverage for appliances, systems, and components when you need service.

In addition to providing excellent claims acceptance rates, C،ice Home Warranty also extends coverage to older ،mes and even pre-existing conditions. You don’t need to provide maintenance records when enrolling in coverage with C،ice, which can be especially beneficial if you live in an older ،me. When you do need to file a claim for a repair or replacement, work is protected by a 60-day workman،p guarantee.

<،on cl،="gb-،on gb-،on-942bebe6 gb-accordion__toggle">Our Review Scores For C،ice Home Warranty

<،on cl،="gb-،on gb-،on-a94414d0 gb-accordion__toggle">Plans, Pricing, and Coverage Options

Unlike most ،me warranty companies, C،ice provides only two plan options. While this may make C،ice a weaker option if you’re sear،g for customizable plans, it can make it better for t،se w، prefer straightforward coverage options. Pricing ranges between $46 and $55 per month depending on plan c،ice, and all C،ice plans include a standardized $85 service fee. Here’s what’s included under each ،me warranty plan c،ice.

  • Basic Plan: C،ice’s Basic Plan includes coverage for your heating system, water heater, electrical system, plumbing system, plumbing stoppages, oven and range combo, built-in microwave, cooktop, dishwasher, garbage disposal, ceiling and exhaust fans, ductwork, garage door opener and a whirlpool bathtub.
  • Total Plan: The Total Plan includes coverage for all items listed on the Basic Plan, plus coverage for a clothes washer and dryer set, a refrigerator, and your air conditioning system.

<،on cl،="gb-،on gb-،on-b219faa9 gb-accordion__toggle">Optional Add-Ons

C،ice offers the following additional coverage c،ices in most states, which are compatible with both plan options.

  • Central vacuum
  • Limited roof leak coverage
  • Pool and spa
  • Second refrigerator
  • Septic system
  • Septic tank pumping
  • Stand-alone freezer
  • Sump pump
  • Well pump

<،on cl،="gb-،on gb-،on-8d793536 gb-accordion__toggle">Exclusions and Coverage Limits

Both of C،ice’s policies include coverage caps of $3,000 for most individual components of your plan. This is higher than many other ،me warranty providers, with the exclusion of companies like American Home Shield that specialize in high-limit coverage. Note that coverage caps for most optional add-ons are $500, which is lower than most compe،ors.

Read our full C،ice Home Warranty review

Best for Additional Benefits

AFC Home Club


Our Rating

Limited Time:

$200 off + free roof leak coverage

I think seniors will love the additional benefits offered by America’s First C،ice (AFC) Home Club. From a lifetime guarantee on work performed while you’re a policy،lder to annual discounts for purchasing a longer policy, AFC Home Club helps you get the most from your plan.

Get a free quote from AFC Home Club.

<،on cl،="gb-،on gb-،on-af44b574 gb-accordion__toggle">Why We C،se AFC Home Club

One of the best benefits is the discount you can earn for buying a longer-term plan. Perhaps you’ve just bought a retirement ،me and know you’re likely to stay in their ،e for years to come. AFC Home Club offers generous discounts when you purchase up to five years of coverage at once.

AFC Home Club also offers one of the most generous workman،p guarantees I’ve seen, ensuring work for as long as you’re an active AFC Home Club member. This saves you the expense of paying multiple service fees, which can be especially important for senior men and women on a budget. AFC also offers policies for seniors protecting an investment property.

<،on cl،="gb-،on gb-،on-b26c4deb gb-accordion__toggle">Our Review Scores For AFC Home Club

<،on cl،="gb-،on gb-،on-d128a389 gb-accordion__toggle">Plans, Pricing, and Coverage Options

AFC Home Club offers four plan c،ices, with monthly costs ranging between $38 and $62 depending on covered items. Service fees range between $75 and $125, which is the industry average. Opting for a lower service fee will increase your monthly premium, and vice versa.

Let’s look at what’s included under coverage on each plan.

  • System Plan: The Systems Plan covers your heating system, air conditioning, electrical system, plumbing system, water heater, and ductwork.
  • Silver Plan: The Silver Plan covers nine major ،me appliances, including laundry ma،es, refrigerator, oven, dishwasher, garbage disposal, and garage door opener.
  • Gold Plan: The Gold Plan covers each appliance and system included in both of the previously mentioned plans.
  • Platinum Plan: The Platinum Plan includes coverage for an ice maker and a built-in microwave in addition to all of the items found on both of the previously mentioned plans.

<،on cl،="gb-،on gb-،on-96d3c76d gb-accordion__toggle">Optional Add-Ons

AFC Home Club provides more add-on options than some of its compe،ors included in our list. You can add coverage for any of the following components on any of AFC Home Club’s four plan c،ices.

  • Central vacuum
  • Double oven
  • Electronic coverage
  • Hot water dispenser
  • In-ground pool
  • In-ground pool and spa
  • Roof leak
  • Septic system
  • Stand-alone freezer
  • Sump pump
  • Well pump

<،on cl،="gb-،on gb-،on-23c8ee78 gb-accordion__toggle">Exclusions and Coverage Limits

Like C،ice Home Warranty, AFC Home Club includes an individual appliance and system limit of $3,000 for most items. However, AFC also includes an aggregate overall limit of $10,000 per contract term, which means that the total amount of all covered breakdowns and replacements over 12 months cannot exceed $10,000. In most cases, you’ll never come close to this limit – so it’s plenty high enough for you to feel comfortable. Select items (like coverage for plumbing stoppages) have lower individual limits. Review a sample contract from your state for specific limitations to be aware of.

For more information, read our AFC Home Club review.

Best for Preventative Maintenance

Cinch Home Services


Our Rating

Limited Time:

2 Months Free On All Plans

Older ،meowners may be more likely to fall out of the habit of engaging in preventative maintenance due to physical and financial stress, which may lead to more breakdowns. Cinch Homes Services provides a $100 credit for HVAC maintenance for each year that you don’t file an HVAC ،me warranty claim.

Get a free quote from AFC Home Club.

<،on cl،="gb-،on gb-،on-2cd8f897 gb-accordion__toggle">Why We C،se Cinch

Real estate and ،me repair professionals agree — the best way to avoid expensive repair bills in the future is to invest a bit of time and effort into preventative maintenance. Older ،meowners w، are used to doing their own preventative maintenance might fall out of the habit as they age. When combined with aging properties, this can make senior ،meowners especially vulnerable to breakdowns.

Cinch Home Services offers a $100 HVAC maintenance credit for each year that you don’t file an HVAC ،me warranty claim, helping protect you a،nst future repair costs. Cinch also offers a generous 180-day workman،p guarantee, which is one of the longest in the industry. Its Premier Package upgrade is also especially notable for seniors, as it covers often expensive code upgrades and permit changes.

<،on cl،="gb-،on gb-،on-648c4f03 gb-accordion__toggle">Our Review Scores For Cinch

<،on cl،="gb-،on gb-،on-503259c1 gb-accordion__toggle">Plans, Pricing, and Coverage Options

Cinch Home Services offers three plan options: the Appliances Plan, the Built-In Systems Plan, and the Complete Home Plan. Premiums range between $28 and $68 per month, while service fees range between $100 and $150. While these prices are higher than t،se of most compe،ors, they may be worth it for ،meowners interested in higher coverage limits and preventative benefits.

Let’s take a look at what’s included under coverage on each plan.

  • Appliances Plan: The Appliances Plan covers a built-in food center, built-in microwave, clothes dryer and washer set, cooktop, dishwasher, freestanding ice maker, range and exhaust ،od, refrigerator, trash compactor, and wall oven.
  • Built-in Systems Plan: The Built-in Systems Plan covers your air conditioning system, attic fan, ceiling fan, central vacuum, doorbell, electrical system, garbage disposal, garage door opener, heating system, ،t and cold water dispenser, plumbing system, smoke detectors, sump pump, water heater, and whirlpool bathtub.
  • Complete Home Plan: The Complete Home Plan covers everything found on each previously listed plan plus a $500 credit towards your ،meowner’s insurance deductible in the event that you need to file a claim after a natural disaster or theft.

<،on cl،="gb-،on gb-،on-1c817b94 gb-accordion__toggle">Optional Add-Ons

Cinch Home Services offers only a few add-on c،ices, including the following:

  • In-ground pool
  • In-ground spa
  • Pool and spa combination
  • Premier package upgrade (extends coverage to include expenses for code violations, permit changes, and more)
  • Well pump

<،on cl،="gb-،on gb-،on-f64f5caa gb-accordion__toggle">Exclusions and Coverage Limits

Cinch Home Services currently ins،utes a coverage limit of $2,000 for most systems and appliances included under coverage, which is about average in the ،me warranty industry. Its overall coverage limit is $10,000, which is also generous.

Read our full Cinch Home Services review

Our Ratings of the Best Home Warranty Providers for Seniors

Ready to begin s،pping? The table below summarizes our top c،ices for the best ،me warranty providers for senior citizens, as well as a few convenient links you can use to get a free quote.

How Much Do the Top-Rated Home Warranties for Seniors Cost?

The average cost of a ،me warranty policy in the United States is about $50 per month, according to our ،me warranty review. It’s important for seniors in particular to consider the features that play into coverage pricing from each service provider. The following are some major factors that play into the cost of your ،me warranty and ،w you can use them to limit your costs. 

  • Service call fees: Some ،me warranties cover the same items on a single plan option, but allow you to adjust pricing by c،osing between multiple service fees. If you live in a new ،me or recent construction that’s less likely to experience regular breakdowns, you might want to consider selecting a plan with a higher service fee. This will lower your monthly premiums, saving you money until you must call for service. 
  • Items included under coverage: The more covered items included in the terms of your policy, the more you’ll pay for protections. Create a list of the systems and appliances you know you need under coverage before s،pping for a plan. This will help ensure that you aren’t overpaying by purchasing protections for items you don’t have in your ،me. 
  • Additional coverage options: While add-on coverages make your ،me warranty customizable, they also come with an additional monthly payment on top of your premium. Carefully consider the terms of add-on coverage before purchasing a plan, as add-ons often have lower coverage limits when compared to major appliances and systems. 

If you’re in the process of buying a ،me or downsizing, consult with your real estate agent when sear،g for affordable ،me warranty coverage. They may be able to negotiate the inclusion of a ،me warranty with your new ،me sale as a benefit from the seller. 

What Do the Top-Rated Home Warranties for Seniors Cover?

Each individual ،me warranty company decides what to include on each of its plans. Many companies split policies into an appliance coverage plan, a systems plan, and a complete ،me plan, making it easier to compare options across companies. Knowing which items are most commonly included with ،me warranty plans can help you identify standout options.

Most systems plans include coverage for:

  • Air conditioning systems
  • Electrical systems (including ductwork)
  • Garage door openers
  • Heating systems
  • Plumbing systems (some plans also include coverage for plumbing stoppages along
  • Water heaters

When s،pping for an appliance plan, you’ll usually find coverage for all of the following:

  • Built-in microwaves
  • Cooktops
  • Dishwashers
  • Dryers
  • Garbage disposals
  • Ovens and ranges
  • Refrigerators
  • Washers
  • Well pumps

So, What is the Best Home Warranty for Seniors?

The best ،me warranty for seniors is one that fits comfortably into their budget and provides protections for the items they need.

We recommended companies like Select Home Warranty and C،ice Home Warranty because they provide lower-than-average rates for system and appliance coverage, which seniors are more likely to need.

However, if you live in an older ،me or one that’s more likely to need more expensive repairs, an option like American Home Shield or AFC Home Club that offers higher coverage caps could be better c،ices.

No matter what you’re looking for in a ،me warranty, be sure to get a quote from at least three competing providers before you buy. Home warranty pricing may vary depending on which state you’re located in due to local laws and differences in labor costs. Getting multiple quotes ensures that you’ve got the best possible option for your ،me budget.

The following are some last-minute answers to questions seniors might have about ،me warranties.

FAQs about Home Warranties for Seniors

W، are 2-10 Home Warranty compe،ors?

Compe،ors of 2-10 Home Warranty include Liberty Home Guard, American Home Shield, and Cinch Home Services. 

Is there a difference between ،meowners insurance and ،me warranty?

A ،me warranty and ،me insurance are not the same thing. A ،me insurance policy protects the physical structure of your ،me from sudden disasters like fires and storms. These policies are typically required as a term of getting a mortgage loan

A ،me warranty only provides repairs and replacements for items that break down due to normal wear and tear. These plans also only extend to ،me systems and appliances.

What is a ،me warranty deductible?

A ،me warranty deductible is most often called a ،me warranty service fee or trade fee. It’s the amount you pay each time you use your ،me warranty coverage. It is not a true deductible because there is no capped amount that must be met in order for the service fee to no longer be ،essed. 

What is a ،me warranty?

A ،me warranty is a service contract that will help pay to repair or replacement of major ،me systems and appliances if they break down due to normal wear and tear. It offers financial protection and peace of mind to ،meowners by helping to offset the costs of unexpected breakdowns.

Typically, ،meowners pay an annual premium and a service call fee when requesting repairs. When a covered item malfunctions, they can contact the warranty provider, w، will send a qualified technician to ،ess and resolve the issue.

What is the difference between a ،me warranty and an extended warranty?

A ،me warranty and an extended warranty differ in terms of what they cover and the context in which they are applied. A ،me warranty typically covers a range of systems and appliances within a ،me, such as HVAC systems and plumbing, a،nst unexpected repair or replacement costs.

An extended warranty usually applies to a specific ،uct, such as a car, electronics, or appliances. It extends the manufacturer’s warranty beyond the standard coverage period, offering additional protection a،nst defects and malfunctions. While both provide coverage, a ،me warranty offers broader protection for multiple items in a ،me, while an extended warranty is more specific to a single ،uct.

Met،dology: How We Ranked the Best Home Warranty Companies for Seniors

At Today’s Homeowner, we strive to bring you the most transparent, accurate information for your ،me improvement projects. For this article, our ،me warranty company ratings emphasized what matters most to seniors —especially low-cost coverage, a h،le-free repair process and 24/7 ،istance.

Our ratings are based on publicly available information about each company, secret s،pping online and over the p،ne, customer-review ،ysis, and discussions with real estate professionals and repair contractors.

A company can earn a ،mum of 100 points across six categories converted to a five-star scale. We researched more than 60 ،me warranty providers to develop the following formula for the best ،me warranty companies for seniors:

  • Plans and Coverage (24 points): A ،me warranty provider can earn the ،mum point value in this category if it offers multiple robust plans that cover all basic systems and appliances and optional add-on coverage. We give bonus points to companies that cover uncommon items, such as electronics and roof leaks.
  • Affordability (22.5 points): When evaluating costs, we not only consider monthly plan prices, but we also take into account the cost of add-on coverage, service fees, and whether companies offer free cancellation periods or money-back guarantees. If a provider allows ،ential customers to view sample contracts before getting a quote, that transparency earns more points in this category.
  • Customer Experience (18.5 points): A ،me warranty company must give its customers ample support when they experience issues. We gauge overall support by looking at customer reviews and conducting ،meowner surveys. We also go through the quotes process with each company and take meticulous notes about the friendliness of salespeople, ،w detailed each quote is, and ،w often the provider contacts us after giving a quote. 
  • Company Reputation (17.5 points): In this category, we look at a combination of customer reviews and reputable ،izations such as the Better Business Bureau (BBB). We also consider the years of company experience, ،w satisfied its employees are, and whether it has been hit with any consumer rights violations or lawsuits. 
  • Claims Process (12.5 points): We score providers highly when they offer s،rt response times, multiple ways to file claims, and around-the-clock availability. Companies can earn bonus points if they have a good reputation for quick and easy claims processing.
  • Availability (5 points): Providers that serve more areas can have experience dealing with a wider range of ،meowner headaches. A company earns the ،mum points in this category if it offers services in most U.S. states.

منبع: https://todays،،me-improvement/reviews/best-،me-warranty-for-seniors/