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Best Home Warranty Companies in Maryland: Comprehensive Guide for 2025

A home warranty in Maryland protects homeowners against the costs of repairing or replacing home systems and appliances. In this comprehensive guide for 2025, we’ll highlight the top 10 home warranty providers in Maryland, showcasing their coverage, pricing, service fees, and unique features. Whether you own a historic property or a modern home, this guide is designed to help you choose the best provider.

Top 10 Home Warranty Providers in Maryland

Here are the top home warranty providers in Maryland:

#1 RATED COMPANY

Elite Home Warranty
fourhalf_star 4.9/5

Elite Home Warranty
  • Premium
    -
    $44.99 - $59.99
  • Deductible
    -
    $0 & $70
  • Coverage Limit
    -
    $7,000
Call Now
Offers
$150 Off + 1 Month Free. 30 Day Free Trial!
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48
States Covered
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Accredited Business
BBB Rating
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$15,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Elite Home Warranty offers customizable plans for Maryland homeowners, covering essential systems like HVAC, plumbing, and electrical, as well as major appliances such as refrigerators, washers, and dryers. Optional add-ons include pool equipment, roof leaks, and septic systems.
  • Price: Plans start at $40 monthly, with flexible add-on pricing based on specific needs.
  • Service Fee: Service fees range between $75 and $125, providing budget-friendly options for homeowners.

Why We Picked Elite Home Warranty

Elite Home Warranty’s personalized approach to home protection makes it the top choice for Maryland homeowners. Their ability to offer tailored plans ensures you’re only paying for the coverage you need, making it a cost-effective option.

In addition, Elite is known for its excellent customer service and efficient claims processing, ensuring that Maryland homeowners experience minimal downtime when dealing with repairs or replacements.

Excellent Services

Home Warranty of America
fourhalf_star 4.2/5

Home Warranty of America
  • Premium
    -
    $275 - $695
  • Deductible
    -
    $75 - $100
  • Coverage Limit
    -
    $400
Offers
$150 Off + 1 Month Free*
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers two main plans—Premier and Premier Plus—covering essential home systems and appliances.
  • Price: Monthly plans range from $44 to $60, depending on coverage level.
  • Service Fee: Typically between $75 and $125 per service call.

Why We Picked Home Warranty of America

Home Warranty of America (HWA) stands out for its nationwide coverage and commitment to protecting homeowners against unexpected repair costs. Their plans cater to a wide range of needs, from basic appliance protection to comprehensive coverage, including HVAC systems and premium add-ons. 

Comprehensive Coverage

The Home Service Club
fourhalf_star 4.1/5

The Home Service Club
  • Premium
    -
    $51.25 - $62.50
  • Deductible
    -
    $65,$95,$125
  • Coverage Limit
    -
    $800
Offers
$75 Off + 1 Month Free
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: The Home Service Club offers two plans: Standard Coverage and Comprehensive Coverage. These plans include protection for essential systems and appliances, optional add-ons for roof leaks, sprinkler systems, and free-standing freezers.
  • Price: Plans start at $50 per month.
  • Service Fee: Service fees range between $75 and $125.

Why We Picked The Home Service Club

The Home Service Club’s robust plan options appeal to Maryland homeowners seeking reliable coverage. The Comprehensive Plan ensures maximum protection for systems and appliances.

Additionally, their commitment to customer satisfaction and fast claims processing has earned them a strong reputation in the industry.

Nationwide Coverage

Regency Total Home Warranty
fourhalf_star 4.1/5

Regency Total Home Warranty
  • Premium
    -
    $39.99 - $58.90
  • Deductible
    -
    N/A
  • Coverage Limit
    -
    N/A
Call Now
Offers
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Regency Total Home Warranty provides plans that cover HVAC, plumbing, electrical systems, and major appliances. Optional add-ons include roof leaks, pools, and well pumps.
  • Price: Pricing begins at $39.99 per month.
  • Service Fee: The service fee is a flat $75 per claim.

Why We Picked Regency Total Home Warranty

Regency Total Home Warranty’s affordability and transparent pricing make it a standout choice for Maryland homeowners. Their comprehensive coverage ensures maximum value at a reasonable cost.

Regency’s low service fees and reliable claims-handling process make it an excellent option for those looking for straightforward, budget-friendly coverage.

Best Customer Support

Liberty Home Guard
fourhalf_star 4.7/5

Liberty Home Guard
  • Premium
    -
    $50 - $60
  • Deductible
    -
    $90
  • Coverage Limit
    -
    $2000
Call Now
Offers
$200 Off + 2 Months Free + Free Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$2K/Item
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Three plans—Appliance Guard, Systems Guard, and Total Home Guard—covering various home components.
  • Price: Plans start at $49.99 per month.
  • Service Fee: Approximately $90.

Why We Picked Liberty Home Guard

Liberty Home Guard is recognized for its commitment to customer service and providing a hassle-free claims process. Their wide range of coverage options ensures that homeowners can protect essential systems and appliances effectively. Liberty’s strong reputation for reliability and quality repairs makes it an excellent choice for those looking for a provider with proven expertise.

American Home Shield (AHS)
fourhalf_star 4.2/5

American Home Shield (AHS)
  • Premium
    -
    $29 - $79
  • Deductible
    -
    $100 & $125
  • Coverage Limit
    -
    $6000
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48
States Covered
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Accredited Business
BBB Rating
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5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Choice Home Warranty offers two standard plans: Basic and Total. These plans cover essential systems like HVAC, plumbing, and electrical, along with appliances such as ovens, dishwashers, and refrigerators. Optional coverage is available for pools, sump pumps, and more.
  • Price: Plans start at approximately $45 per month, providing comprehensive coverage at an affordable price.
  • Service Fee: The service fee is $85 per claim.

Why We Picked American Home Shield (AHS)

American Home Shield’s reputation for flexibility and robust coverage makes it a strong choice for Maryland homeowners. Their plans offer excellent customization, ensuring homeowners can prioritize their specific needs.

Additionally, AHS’s experience in the industry and reliable claim-handling processes make it a dependable option for homeowners seeking comprehensive protection.

America’s First Choice
fourhalf_star 4.6/5

America’s First Choice
  • Premium
    -
    $33 - $56
  • Deductible
    -
    $75 - $125
  • Coverage Limit
    -
    N/A
Call Now
Offers
$250 Off + Free Roof Leak Coverage
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50
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: AFC Home Club offers four plans: Silver, Systems, Gold, and Platinum. These plans include coverage for HVAC, plumbing, electrical, and appliances like refrigerators and dishwashers. Optional add-ons include pools, sump pumps, and septic systems.
  • Price: Plans start at $32 monthly, making AFC one of the most affordable options.
  • Service Fee: Service fees range between $75 and $125, depending on the plan selected.

Why We Picked America’s First Choice

AFC Home Club’s affordability and flexible plans make it an attractive option for Maryland homeowners. Selecting service fees allows homeowners to balance monthly costs and out-of-pocket expenses.

Another standout feature is choosing your contractor, providing control and peace of mind over the quality of repairs.

ARW Home – American Residential Warranty
fourhalf_star 4.3/5

ARW Home – American Residential Warranty
  • Premium
    -
    $45 - $84
  • Deductible
    -
    $125
  • Coverage Limit
    -
    N/A
Offers
2 Months FREE* on All Plans
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50
States Covered
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Not Accredited
BBB Rating
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$1K
Coverage Limits

Plans, Cost & Coverage

  • Coverage: ARW Home Warranty offers plans that cover home systems, appliances, and electronics. Their Platinum Premier plan provides extensive coverage for HVAC, plumbing, electrical systems, and major appliances, with optional add-ons for electronics such as laptops and TVs.
  • Price: Plans start at $34.99 per month.
  •  Service Fee: Service fees are $100 per claim.

Why We Picked ARW Home – American Residential Warranty

ARW Home Warranty’s inclusion of electronics coverage sets it apart from competitors, making it a unique choice for tech-savvy Maryland homeowners. Their comprehensive Platinum Premier plan provides exceptional value.

In addition, ARW’s 24/7 customer service and extensive coverage options make it a top choice for Maryland homeowners seeking modern and reliable protection.

First American Home Warranty
four_star 4/5

First American Home Warranty
  • Premium
    -
    $336 - $534+
  • Deductible
    -
    $85
  • Coverage Limit
    -
    $3,500
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35
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: First American Home Warranty offers two plans: the Basic Plan and the Premier Plan. The Basic Plan covers appliances, while the Premier Plan includes HVAC, plumbing, and electrical systems. Optional add-ons include pool and spa equipment.
  • Price: Plans start at $36 per month.
  • Service Fee: The service fee is $85 per claim.

Why We Picked First American Home Warranty

First American Home Warranty is known for its straightforward pricing and reliable coverage. Maryland homeowners can choose from two simple plans, ensuring their needs are met without unnecessary complexity.

First American’s responsive customer service and efficient claims process make it a dependable choice for protecting your home.

Cinch Home Services
threehalf_star 3.9/5

Cinch Home Services
  • Premium
    -
    $27.99 ,$32.99,$39.99
  • Deductible
    -
    $100, $125, $150
  • Coverage Limit
    -
    $2,000
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48
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Cinch Home Services offers three plans: the Appliances Plan, the Built-in Systems Plan, and the Complete Home Plan. The Complete Home Plan combines coverage for both systems and appliances and includes a homeowners’ insurance deductible reimbursement feature.
  • Price: Plans start at $34.99 monthly, with the Complete Home Plan priced at approximately $55 monthly.
  • Service Fee: Service fees range from $100 to $150.

Why We Picked Cinch Home Services

Cinch Home Services is an excellent option for Maryland homeowners due to its unique features, such as insurance deductible reimbursement. This added benefit provides additional financial protection for homeowners.

Moreover, their comprehensive plans and easy claims process make Cinch a reliable choice for those seeking extensive coverage and convenience.

2-10 Home Buyers Warranty
twohalf_star 3/5

2-10 Home Buyers Warranty
  • Premium
    -
    $19,$51,$60
  • Deductible
    -
    $85 - $100
  • Coverage Limit
    -
    $2,000
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44
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: 2-10 Home Buyers Warranty offers three plans: Systems Plan, Appliances Plan, and Combo Plan. The Combo Plan provides extensive coverage, combining systems like HVAC and plumbing with appliances such as refrigerators and dishwashers.
  • Price: For basic options, plans start at $25 per month, with Combo Plans averaging $40–50 per month.
  • Service Fee: Service fees range between $85 and $100.

Why We Picked 2-10 Home Buyers Warranty

2-10 Home Buyers Warranty’s focus on new home protection and its affordable Combo Plan make it an excellent choice for Maryland homeowners. The comprehensive coverage ensures peace of mind for both systems and appliances.

Their strong contractor network and proactive maintenance options further enhance their value, making 2-10 a reliable option for homeowners.

Is A Home Warranty Right for You in Maryland?

A home warranty can be a handy tool for homeowners in Maryland, especially given the state’s diverse climate and varied housing stock. Whether you own a historic rowhouse in Baltimore, a single-family home in Bethesda, or a beachside retreat on the Eastern Shore, a home warranty may provide financial security and peace of mind. However, it’s essential to understand whether a home warranty aligns with your specific needs. Let’s explore the key considerations for Maryland homeowners.

Maryland’s Unique Homeowner Challenges

Maryland presents unique challenges for homeowners due to its geography, climate, and age of housing stock.

  1. Diverse Climate Conditions
    Maryland experiences hot, humid summers and cold winters, which can strain HVAC systems. Heat pumps, central air conditioners, and furnaces are essential but prone to wear and tear due to constant use throughout the year. A home warranty could cover repairing or replacing these systems, saving you thousands of dollars.
  2. Aging Homes in Established Neighborhoods
    Maryland boasts a rich history, and many older homes reflect this with their age. Older homes often have aging plumbing, electrical systems, and appliances that can break down unexpectedly. A home warranty may help mitigate repair costs for older systems without manufacturer warranties.
  3. High-Cost Living Areas
    Cities like Bethesda, Annapolis, and Rockville have a high cost of living. Repairing or replacing major appliances and systems in these areas can be expensive. A home warranty could be a financial cushion, especially for new homeowners managing mortgage payments and other expenses.

Benefits Of A Home Warranty For Maryland Homeowners

  1. Financial Protection Against Unexpected Repairs
    Home repairs can be unpredictable and costly. For example, repairing a failed water heater can cost over $1,000, while replacing a central air conditioner may cost $5,000 or more. A home warranty reduces out-of-pocket expenses for covered repairs and replacements, providing financial predictability.
  2. Increased Home Value and Marketability
    If you’re selling your Maryland home, offering a home warranty can make your property more appealing to buyers. It shows potential buyers that they’ll have repair coverage during their first year of ownership, increasing the likelihood of a sale.
  3. Convenience and Peace of Mind
    A home warranty simplifies the repair process. Instead of searching for reliable contractors, homeowners can rely on the warranty provider’s network of vetted professionals, reducing stress and saving time.

Commonly Covered Items For Maryland Homes

Home warranty coverage varies by provider and plan, but the following items are often included in Maryland-specific plans:

Factors To Consider Before Buying A Home Warranty

  1. Home Condition and Age
    Evaluate the age and condition of your home’s systems and appliances. A home warranty may not be necessary if they’re relatively new and still under manufacturer warranties.
  2. Budget and Service Fees
    Consider the cost of the warranty plan and any service fees for repairs. Maryland homeowners spend between $300 and $800 annually on home warranties, with service fees ranging from $50 to $150 per call. Compare these costs to potential repair expenses to determine if it’s worth it.
  3. Provider Reputation
    Research home warranty providers that operate in Maryland. Read reviews, check for accreditation with organizations like the Better Business Bureau, and confirm their responsiveness to claims.
  4. Exclusions and Limitations
    Understand the warranty’s exclusions and limitations. Some policies don’t cover pre-existing conditions or have caps on repair costs for specific systems or appliances.

Is a Home Warranty Worth the Cost in Maryland?

A home warranty can offer valuable peace of mind when protecting your home, but is it worth the cost? In Maryland, where the weather varies widely, homeowners face unique challenges that can impact their home systems and appliances. Let’s include key considerations, benefits, and cost-related insights.

Why Maryland Homeowners Consider A Home Warranty

With its hot summers and chilly winters, Maryland’s climate can strain essential home systems such as HVAC, plumbing, and electrical setups. Additionally, many homes in the state, especially older ones in areas like Baltimore or Annapolis, may have aging appliances prone to breakdowns. These factors lead many Maryland homeowners to explore the benefits of a home warranty.

How Much Does A Home Warranty Cost In Maryland?

A home warranty in Maryland typically ranges between $300 and $700 annually, depending on the coverage level and provider. However, service call fees, which can range from $50 to $150 per claim, must also be considered.

What Does A Home Warranty Cover In Maryland?

While coverage varies by provider, most home warranties protect major home systems and appliances. In Maryland, this often includes:

Reviewing the specific coverage details is essential, as some warranties may exclude pre-existing conditions or have caps on repairs.

Potential Savings From A Home Warranty

A home warranty can be a financial safety net, especially if you face expensive repair bills. For example:

When A Home Warranty May Not Be Worth It

While home warranties can offer great value, they may not suit every homeowner in Maryland. Factors to consider include:

Key Tips For Maryland Homeowners Considering A Home Warranty

  1. Research Providers: Choose a provider that understands Maryland-specific needs and offers tailored plans.
  2. Check Reviews: Look for customer reviews from Maryland homeowners to gauge satisfaction and reliability.
  3. Evaluate Coverage Needs: Focus on systems and appliances most likely to break down based on Maryland’s climate and your home’s age.
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Who Oversees Home Warranty Companies In Maryland?

When purchasing a home warranty in Maryland, it’s crucial to understand who regulates and oversees these companies to ensure transparency, fairness, and consumer protection. In Maryland, home warranty companies operate under specific guidelines and oversight from state regulatory authorities. 

Here’s a comprehensive breakdown of the entities and mechanisms involved in supervising home warranty companies in the state.

State Regulatory Authority: Maryland Insurance Administration (MIA)

The Maryland Insurance Administration (MIA) is central in regulating home warranty companies. Although home warranties are often considered service contracts rather than traditional insurance products, they still fall under the purview of the MIA in Maryland. This ensures that these companies follow established guidelines to protect consumers.

The MIA’s responsibilities include:

If a consumer encounters issues with a home warranty provider, the MIA is the primary agency to contact for assistance or to file complaints.

Licensing And Registration Requirements

Home warranty companies operating in Maryland must obtain the necessary licenses or register with the Maryland Insurance Administration. This process ensures that only legitimate and financially stable companies offer services in the state. Licensing requirements include:

Consumers are encouraged to verify the licensing status of a home warranty provider with the MIA before purchasing a policy.

Consumer Protection Laws In Maryland

Maryland has robust consumer protection laws designed to safeguard homeowners from unethical practices by home warranty companies. Key provisions include:

For further recourse, consumers can file complaints with the Maryland Office of the Attorney General in addition to the MIA.

Handling Consumer Complaints

If a homeowner in Maryland encounters issues with a home warranty provider, several steps can be taken:

  1. Contact the Provider Directly: Many disputes can be resolved by contacting the company’s customer service team to address concerns.
  2. File a Complaint with the MIA: If the issue remains unresolved, consumers can submit a formal complaint to the Maryland Insurance Administration. The MIA can mediate disputes and impose penalties if a company violates state regulations.
  3. Seek Assistance from the Attorney General’s Office: The Consumer Protection Division of the Maryland Attorney General’s Office offers additional resources for resolving disputes.

These complaint resolution mechanisms ensure that homeowners are not left without recourse in the event of unfair treatment.

National Oversight And Accreditation

In addition to state-level regulation, some home warranty companies may voluntarily seek accreditation through national organizations such as the National Home Service Contract Association (NHSCA). While not a regulatory body, the NHSCA sets industry standards and promotes ethical practices among its members. Checking for NHSCA accreditation can give Maryland homeowners additional confidence in a provider’s reliability.

How To Verify A Home Warranty Provider In Maryland

Before purchasing a home warranty in Maryland, homeowners should:

  1. Check Licensing Status: Visit the MIA website to verify the provider’s license and review any complaints filed against the company.
  2. Read Consumer Reviews: Independent reviews and ratings can provide insights into a company’s reputation for handling claims and customer service.
  3. Examine Contract Terms: Ensure the coverage aligns with your needs and the terms are clear and transparent.

Why Oversight Matters For Maryland Homeowners

The oversight provided by the Maryland Insurance Administration and other regulatory mechanisms protects homeowners from unscrupulous practices. It guarantees that:

Understanding who oversees home warranty companies in Maryland can empower homeowners to make informed decisions and enjoy the peace of mind of knowing their investment is safeguarded.

Why A Home Warranty Is Essential For Maryland

In Maryland, unpredictable weather and high humidity can affect HVAC systems, plumbing, and appliances. A home warranty ensures you’re prepared for unexpected repairs, particularly in older homes, which are ordinary in cities like Baltimore and Annapolis.

With high repair costs for systems affected by Maryland's climate, a home warranty provides financial protection and peace of mind. Covering costly breakdowns offers a layer of security for homeowners seeking to protect their investments.