Home Warranty in Arizona: Comprehensive Guide for 2025
Arizona homeowners face unique challenges, from the extreme desert heat to the wear and tear on essential home systems and appliances. A home warranty is a practical and affordable way to manage these challenges, offering protection against costly repairs or replacements for covered items.
This guide will help you understand the top home warranty providers in Arizona, their pricing, coverage, and why they’re essential for Arizona homeowners. We’ll also explore the benefits of a home warranty and the regulatory framework overseeing these companies in the state.
Elite Home Warranty
Regency Total Home Warranty
Select Home Warranty
Top Home Warranty Providers in Arizona
Here’s an in-depth look at the best home warranty providers in Arizona, their pricing, coverage, service fees, and why they stand out.
Elite Home Warranty
- Award Winning Home Warranty Provider.
- Zero Commitment, Cancel Anytime.
- 24/7 U.S. Based Claims Support Team.
- Industry Top Tier Coverage Limits.
$200 OFF and 1 Month Free. 30-Day Free-Trial.
(888) 894-6151
Premium $59.99 - $69.99
Deductible $70.00 - $130.00
Total Coverage Benefits $25,000 Contractual Limit
Why We Chose Elite Home Warranty?
Elite Home Warranty distinguishes itself through a rare combination of flexibility, service speed, and high-value protection. Homeowners can customize plans to cover only what they need, without paying for unnecessary extras. With one of the fastest claims turnaround times in the industry and consistent customer satisfaction ratings, Elite is a trusted provider for those seeking hassle free, transparent coverage that truly delivers.
Pros :
- Award Winning Home Warranty Provider.
- Zero Commitment, Cancel Anytime.
- 24/7 U.S. Based Claims Support Team.
- Industry Top Tier Coverage Limits.
Where Services Are Available?
Available in 48 States. Coverage is not currently available in California and Wisconsin.
Regency Total Home Warranty
- Comprehensive Coverage.
- Unlimited Service Calls.
- Clear, Simple Terms.
$300 OFF and 2 Months Free + Free Roof Coverage
(844) 240-8369
Premium $54.99 - $64.99
Deductible $60.00 - $100.00
Total Coverage Benefits $15,000 Contractual Limit
Why We Chose Regency Total Home Warranty?
Regency Total Warranty offers comprehensive protection for major systems, without the fine print headaches. Homeowners benefit from unlimited service requests, which is especially useful in older homes or for families with frequent repair needs. Their straightforward service terms make it easy to understand what’s covered and what’s not, offering peace of mind and reliable service with every claim.
Pros :
- Comprehensive Coverage.
- Unlimited Service Calls.
- Clear, Simple Terms.
Where Services Are Available?
Available in 50 States.
Select Home Warranty
- Affordable Plans.
- Free Roof Coverage.
- 24/7 Claims Support.
$150 OFF and 2 Months Free + Free Roof Coverage
(888) 539-7220
Premium $54.99 - $64.99
Deductible $60.00 - $125.00
Total Coverage Benefits $11,000 Contractual Limit
Why We Chose Select Home Warranty?
Select Home Warranty offers homeowners reliable protection at a competitive price point. Their inclusion of roof leak coverage at no extra charge adds significant value, especially for budget conscious consumers. With nationwide availability and round the clock support, Select ensures homeowners get help when they need it most, making it a smart choice for basic, dependable coverage.
Pros :
- Affordable Plans.
- Free Roof Coverage.
- 24/7 Claims Support.
Where Services Are Available?
Available in 47 States. Coverage is not currently available in Nevada, Washington and Wisconsin.
Mike Holmes Protection
- Holmes Endorsed Standards.
- Certified Service Providers.
- Quality Focused Coverage Plans.
$250 OFF and 1 Month Free + Free Roof Coverage
866-408-9898
Premium $69.99 - $79.99
Deductible $60.00 - $85.00
Total Coverage Benefits $25,000 Contractual Limit
Why We Chose Mike Holmes Protection?
Mike Holmes Protection carries the reputation of one of the most respected figures in home construction. The plans reflect his commitment to quality and safety, ensuring all repairs are completed by licensed, vetted professionals. Homeowners looking for accountability, contractor grade repairs, and long-term home integrity will appreciate the brand’s rigorous standards and service approach.
Pros :
- Holmes Endorsed Standards.
- Certified Service Providers.
- Quality Focused Coverage Plans.
Where Services Are Available?
Available in 43 States. Coverage is not currently available in California, Connecticut, Massachusetts, New York, Virginia, Washington and Wisconsin.
Liberty Home Guard
- 40+ Add On Options.
- Fast Claims Response.
- Covers Premium Items.
- User Friendly Portal.
$200 OFF and 2 Months Free + Free Roof Coverage
855-681-9724
Premium $54.99 - $69.99
Deductible $85.00 - $150.00
Total Coverage Benefits $15,000 Contractual Limit
Why We Chose Liberty Home Guard?
Liberty Home Guard is perfect for homeowners who want control over their protection. With extensive optional coverages, from sump pumps to electronics, customers can build plans that fit their exact needs. Paired with fast service and high approval rates, Liberty offers one of the most customizable and dependable policies in the industry.
Pros :
- 40+ Add On Options.
- Fast Claims Response.
- Covers Premium Items.
- User Friendly Portal.
Where Services Are Available?
Available in 50 States.
America’s First Choice
- 3 Year Repair Guarantee.
- Choose Your Technician.
- Covers Older Items.
$250 OFF and Free Roof Coverage
866-203-8901
Premium $54.99 - $69.99
Deductible $75.00 - $125.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose America’s First Choice?
America’s First Choice Home Club gives homeowners more control, offering the rare ability to hire their own technician for repairs. Their repair guarantee, lasting up to three years, is unmatched in the industry. With solid protection for aging appliances and systems, AFC Home Club is ideal for homeowners who value service flexibility, extended reliability, and contractor choice.
Pros :
- 3 Year Repair Guarantee.
- Choose Your Technician.
- Covers Older Items.
Where Services Are Available?
Available in 50 States.
American Home Shield (AHS)
- Pre Existing Coverage.
- Customizable Plans.
- Large Contractor Network.
$100 OFF and Free Roof Coverage
Premium $54.99 - $89.99
Deductible $75.00 - $125.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose American Home Shield (AHS)?
American Home Shield is a legacy provider with over 50 years of experience. It’s one of the few companies that covers undetected pre existing conditions and wear and tear breakdowns, which are often excluded elsewhere. Their wide contractor base and plan flexibility make AHS a strong choice for homeowners who want comprehensive protection with minimal restrictions.
Pros :
- Pre Existing Coverage.
- Customizable Plans.
- Large Contractor Network.
Where Services Are Available?
Available in 48 States. Coverage is not currently available in Alaska and Hawaii.
ARW Home – American Residential Warranty
- Month to Month Plans.
- Smart Tech Add Ons.
- U.S. Based Support.
$100 OFF and 2 Months Free
Premium $54.99 - $64.99
Deductible $100.00 - $125.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose ARW Home – American Residential Warranty?
American Residential Warranty offers flexibility without sacrificing coverage. Their no contract plans and optional bundles, like smart home or electronics protection, are ideal for tech savvy homeowners. With domestic customer support and easy plan management, they provide modern solutions for homeowners seeking simplicity and versatility.
Pros :
- Month to Month Plans.
- Smart Tech Add Ons.
- U.S. Based Support.
Where Services Are Available?
Available in 50 States.
First American Home Warranty
- Fast Appliance Repairs.
- Easy Claims Process.
- Realtor Recommended.
Flexible Payment Options
Premium $54.99 - $64.99
Deductible $85.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose First American Home Warranty?
First American is a longtime favorite among homebuyers and real estate professionals. Their appliance repair and replacement process is efficient and customer friendly. With competitive pricing and strong industry partnerships, they’re well suited for new homeowners or anyone needing straightforward, no fuss protection.
Pros :
- Fast Appliance Repairs.
- Easy Claims Process.
- Realtor Recommended.
Where Services Are Available?
Available in 35 States. Coverage is not currently available in Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont and Wisconsin.
Cinch Home Services
- 180 Day Repair Guarantee.
- Appliance Credit Perks.
- Digital Claim Tools.
Free Water Sensor and 2 Months Free
Premium $54.99 - $64.99
Deductible $75.00 - $150.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose Cinch Home Services?
Cinch Home Services brings reliability and ease to home protection. Their extended workmanship guarantee covers repairs for up to six months, while digital tools streamline every step of the process, from submitting a claim to tracking technician visits. It’s a perfect choice for busy homeowners who prioritize efficiency and long term coverage quality.
Pros :
- 180 Day Repair Guarantee.
- Appliance Credit Perks.
- Digital Claim Tools.
Where Services Are Available?
Available in 48 States. Coverage is not currently available in Alaska and Hawaii.
Elite Home Warranty Named 2025’s Best Home Warranty Company Nationwide
HomeWarrantyCompanies.com, a trusted resource for comparing top-rated home warranty providers, publishes its annual rankings based on consumer satisfaction, service quality, and expert evaluation. After reviewing more than 25 leading providers, Elite Home Warranty was recognized as the #1 Home Warranty Company Nationwide for 2025. This honor reflects Elite’s proven commitment to delivering reliable coverage, outstanding service, and a customer-first experience. When it comes to protecting your home, Elite continues to set the standard.
Why Thousands of Homeowners Choose Elite Home Warranty?
Elite Home Warranty is not just another option, it’s a smarter choice backed by real results. Here’s what sets Elite apart:
- Top Rated Customer Satisfaction: 4.9/5 stars across trusted platforms including BBB, Consumera, Google, and more.
- Affordable Pricing: Competitive rates without hidden fees, inflated premiums, or misleading terms.
- Fast Claims Processing: 90% of claims are reviewed and processed within 72 hours, with real time updates.
- Best in Class Coverage You Can Count On: Industry leading coverage benefits and high payout limits, built to actually work when you need them.
- Award Winning Support Team: U.S.-based customer service and claims concierge care available 7 days a week for fast, friendly assistance.
Is a Home Warranty Right for You in Arizona?
A home warranty is a critical investment for Arizona homeowners who want to safeguard their finances and ensure the longevity of their home systems and appliances. Arizona’s unique climate, aging housing stock, and high repair costs make a home warranty particularly advantageous in this state. Here’s a detailed exploration of why a home warranty might be right for you:
1. Protect Against Arizona’s Extreme Weather
Arizona is known for its extreme desert heat, with temperatures often exceeding 100°F during the summer. These harsh conditions place a significant strain on HVAC systems, refrigerators, and other essential appliances, increasing the likelihood of breakdowns.
- HVAC Stress: Air conditioning units in Arizona run nearly year-round, leading to frequent repairs or early replacements. The cost of replacing an HVAC system can range from $5,000 to $7,500, but a home warranty reduces this to a manageable service fee.
- Winter Plumbing Issues: While Arizona winters are milder, sudden drops in temperature can still cause plumbing problems, such as frozen or burst pipes. A home warranty ensures coverage for these unexpected repairs.
2. Manage High Repair Costs in Arizona
The cost of repairing or replacing major systems and appliances in Arizona is significantly high due to labor and material demand in the state’s rapidly growing housing market.
- Appliance Repairs: Refrigerator repairs average $300 to $1,200, while replacing a water heater can cost $800 to $2,000.
- Plumbing System Repairs: Arizona’s hard water can lead to frequent plumbing issues, with repair costs ranging from $1,000 to $3,000.
With a home warranty, these costs are minimized, as homeowners only pay the agreed-upon service fee, typically between $60 and $150.
3. Convenience and Peace of Mind
A home warranty eliminates the stress of finding reliable contractors when something breaks. Providers maintain a network of pre-vetted professionals, ensuring high-quality service without the hassle.
- Quick Repairs: In Arizona’s extreme heat, a quick repair to an air conditioner can make all the difference in maintaining comfort and safety.
- Comprehensive Support: Many home warranty providers offer 24/7 customer service, allowing you to file claims and schedule repairs any time.
4. Appeal to Buyers and Sellers in Arizona
In Arizona’s competitive real estate market, a home warranty can increase a property’s value and appeal.
- For Sellers: Offering a home warranty provides buyers with peace of mind, potentially leading to faster sales and higher offers.
- For Buyers: New homeowners benefit from the financial predictability a warranty offers during the first year of ownership, especially if the home’s systems and appliances are older.
5. Tailored Coverage for Arizona Homes
Arizona homes often have unique features, such as swimming pools and spas, which require regular maintenance and occasional repairs. Many home warranty providers offer add-on options specifically for these features, ensuring that pool equipment and related systems are covered.
6. Budget Control and Predictability
For budget-conscious families, a home warranty provides financial predictability. Instead of facing thousands of dollars in unexpected repair costs, homeowners pay a fixed annual premium and service fee, ensuring manageable expenses.
Who Oversees Home Warranty Companies in Arizona?
In Arizona, home warranty companies are regulated by the Arizona Department of Insurance and Financial Institutions (DIFI). This state agency plays a vital role in ensuring that providers operate transparently and ethically, protecting consumers from unfair practices and ensuring high service standards.
1. Licensing and Certification
DIFI requires all home warranty companies operating in Arizona to obtain a license. Licensing ensures that providers meet specific financial and operational standards, including:
- Financial Stability: Companies must demonstrate their ability to pay claims and fulfill contractual obligations.
- Operational Competency: Providers must show they have the infrastructure to deliver timely and effective service to Arizona homeowners.
2. Consumer Protection
DIFI monitors home warranty providers to ensure they adhere to fair business practices. This includes:
- Transparent Contracts: Ensuring companies clearly outline coverage, exclusions, and service fees in their agreements.
- Claims Handling: Monitoring how claims are processed to prevent unreasonable denials or delays.
- Ethical Advertising: Regulating marketing practices to prevent misleading claims about coverage or benefits.
3. Complaint Resolution and Enforcement
One of DIFI’s key roles is to act as a mediator between consumers and home warranty providers in the event of a dispute.
- Filing Complaints: Homeowners can submit complaints to DIFI if they encounter unresolved issues, such as denied claims or delayed repairs.
- Investigations: DIFI conducts thorough investigations into complaints and takes corrective action when necessary.
- Penalties for Non-Compliance: Providers that fail to comply with state regulations may face fines, license suspension, or revocation.
4. Monitoring and Oversight
DIFI continually monitors the operations of licensed home warranty providers in Arizona to ensure they remain in compliance with state regulations. This includes:
- Periodic Audits: Regular evaluations of a company’s financial and operational performance.
- Consumer Feedback: Using complaints and reviews to identify areas of concern and take proactive measures.
Why DIFI Regulation Matters for Arizona Homeowners
- Trust and Accountability: Homeowners can confidently choose a licensed provider, knowing the company meets the state’s rigorous standards.
- Fair Dispute Resolution: DIFI ensures that homeowners have a reliable avenue for resolving issues with their provider.
- Protection Against Fraud: Regulation minimizes the risk of encountering unlicensed or fraudulent providers, safeguarding homeowners’ investments.
By regulating home warranty companies, DIFI ensures that Arizona homeowners receive the protection and service they deserve while maintaining a fair and competitive market.
Conclusion: Why a Home Warranty is Essential for Arizona Homeowners
Arizona homeowners face unique challenges due to extreme weather conditions, high repair costs, and the frequent strain on appliances and systems, especially HVAC and plumbing. A home warranty provides financial protection, offering coverage for expensive repairs and replacements at a manageable cost. With tailored options like pool or spa coverage, a home warranty addresses the specific needs of Arizona homes, ensuring convenience and peace of mind when unexpected breakdowns occur.
Whether you’re a new homeowner, managing an older property, or selling your house, a home warranty adds value by reducing the stress of repairs and increasing buyer confidence. By choosing a reputable provider regulated by Arizona’s Department of Insurance and Financial Institutions (DIFI), you can ensure reliable service and long-term savings while protecting your home and family’s comfort.