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Best Home Warranty Companies in Idaho: Comprehensive Guide for 2025

For homeowners in Idaho, a home warranty is a wise investment that protects against the costs of unexpected repairs. In this 2025 guide, we’ve compiled Idaho’s top 10 home warranty providers, focusing on their coverage, pricing, and service fees. Whether you’re protecting a new home or an older property, this guide will help you make an informed decision.

Top Home Warranty Providers in Idaho

Here is the list of the best home warranty companies in Idaho:

#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 that cover essential home systems and appliances, including HVAC systems, plumbing, electrical, kitchen appliances, and more. Customers can choose between standard and premium plans to ensure all their specific needs are met.
  • Price: The monthly Elite Home Warranty costs range from $40 to $70, depending on the coverage level and any optional add-ons.
  • Service Fee: The service fee typically starts at $75 per claim.

Why We Picked Elite Home Warranty

Elite Home Warranty stands out for its flexibility in coverage options and competitive pricing. The ability to tailor plans to meet unique homeowner requirements makes it a top choice for Idaho residents seeking comprehensive home protection.

Additionally, Elite Home Warranty’s excellent customer support and transparent service process provide homeowners with peace of mind. Their reputation for quick claim processing and reliable service providers further solidifies their position as a leading choice.

Excellent Services

Home Warranty of America
fourhalf_star 4.2/5

Home Warranty of America
  • Premium
    -
    $275 - $695
  • Deductible
    -
    $75 - $100
  • Coverage Limit
    -
    $400
Call Now
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
Call Now
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 plan tiers: Standard and Comprehensive. These plans cover everything from basic appliances to essential home systems, such as plumbing, electrical, and HVAC.
  • Price: Monthly premiums start at $45 for the Standard Plan and $60 for the Comprehensive Plan.
  • Service Fee: Service fees range from $65 to $125, depending on the selected plan.

Why We Picked The Home Service Club

The Home Service Club excels with its broad coverage options and customizable service fees. Its standard and Comprehensive plans cater to diverse homeowner needs, making it a versatile choice.

In addition, their reputation for prompt service and transparent terms ensures homeowners’ peace of mind. Their strong industry presence and customer satisfaction ratings further enhance their appeal.

Mike Holmes Protection
fourhalf_star 4.4/5

Mike Holmes Protection
  • Premium
    -
    $48-$88
  • Deductible
    -
    $58-$85
  • Coverage Limit
    -
    up to $25,000 per plan
Call Now
Offers
$100 Off + 1 Month Free
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43
States Covered
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Not Accredited
BBB Rating
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up to $25,000 per plan
Coverage Limits

Plans, Cost & Coverage

  • Pricing: $48 – $88 per month, with flexible plan options to fit different homeowner needs.
  • Service Fees: Deductible ranges from $58 – $85 per service call, ensuring affordability and quality service.
  • Coverage Limit: Offers protection up to $3,000 – $6,000 per covered item, providing substantial financial relief for repairs and replacements.

Why We Picked Mike Holmes Protection

Mike Holmes Protection stands out for its commitment to quality and homeowner convenience. With virtual assistance, round-the-clock support, and unlimited coverage for home systems, homeowners can rest assured they’ll receive quick and reliable service when needed. The brand’s strong reputation and network of trusted professionals ensure high-quality workmanship for every repair.

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.

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’s plans cover critical systems and appliances, including plumbing, electrical, heating, air conditioning, and kitchen appliances. Add-ons for pool and spa coverage are also available.
  • Price: Plans start at $35 per month and can go up to $60 for comprehensive coverage.
  • Service Fee: The fee is a flat $85 per service request.

Why We Picked Regency Total Home Warranty

Regency Total Home Warranty is an affordable option for Idaho homeowners seeking solid coverage at a reasonable cost. Its transparent pricing and straightforward plans make it appealing.

Additionally, Regency’s commitment to reliable service and flexibility with add-ons for specialized needs ensure that customers have access to comprehensive protection. Their customer-first approach makes them a strong contender.

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: AHS provides three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. These plans cover a variety of systems and appliances, with the ShieldPlatinum plan offering the most comprehensive protection.
  • Price: Depending on the plan, monthly costs range from $45 to $75.
  • Service Fee: Homeowners can select a service fee between $75 and $125.

Why We Picked American Home Shield (AHS)

AHS is known for its extensive experience and customizable plans. Their robust coverage options, especially with the ShieldPlatinum plan, provide peace of mind to Idaho homeowners.

In addition, their flexibility in pricing and long-standing reputation as a trusted provider makes them a leading choice. AHS’s strong network of service providers ensures quality repairs and customer satisfaction.

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 plan options: Silver, Systems, Gold, and Platinum. These plans cover a variety of systems and appliances, with the Platinum Plan providing the most extensive coverage.
  • Price: Monthly premiums range from $40 to $65, depending on the plan selected and optional add-ons.
  • Service Fee: AFC Home Club allows homeowners to choose their service fee, ranging from $75 to $125.

Why We Picked America’s First Choice

 AFC Home Club’s standout feature is its ability to customize service fees and unique membership perks, such as discounts on home-related services. Their extensive plan options ensure that Idaho homeowners can find a plan that fits their needs.

Furthermore, their commitment to customer satisfaction and flexibility in coverage makes them a reliable choice. AFC’s focus on delivering value-added services enhances its appeal in the competitive home warranty market.

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 main plans: the Basic Plan and the Premier Plan. These cover major appliances, home systems, and additional items like central air conditioning.
  • Price: Plans start at $36 per month and go up to $50 per month for the Premier Plan.
  • Service Fee: The standard service fee is $85 per visit.

Why We Picked First American Home Warranty

First American’s affordable pricing and dependable coverage options make it popular among Idaho homeowners. Their straightforward plans particularly appeal to those seeking no-fuss protection for their homes.

In addition, First American Home Warranty’s long-standing reputation in the industry and commitment to customer satisfaction set them apart. Their prompt service and easy-to-navigate policies ensure a hassle-free experience.

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 robust coverage for appliances and home systems. Their Ultimate Plan provides comprehensive protection for HVAC, plumbing, electrical, and major appliances.
  • Price: Monthly premiums range from $35 to $60, depending on the plan and any additional options.
  • Service Fee: Service fees vary but typically fall within the $75 to $100 range.

Why We Picked ARW Home – American Residential Warranty

ARW Home Warranty’s extensive coverage options and strong customer service reputation make it a dependable choice. With customizable plans, Idaho homeowners can opt for protection that suits their needs without overpaying for unnecessary features.

Furthermore, ARW Home Warranty’s user-friendly claims process and additional perks, such as discounts on home-related services, add value to its plans. Its commitment to customer satisfaction makes it a top competitor in the market.

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 plan options: Appliances, Built-in Systems, and Complete Home. These plans cover everything from essential appliances to entire home systems.
  • Price: Monthly premiums start at $35 for basic plans and go up to $60 for comprehensive coverage.
  • Service Fee: Service fees are customizable and range from $75 to $150.

Why We Picked Cinch Home Services

Cinch Home Services provides flexible plans and a high level of customization, making it an excellent choice for Idaho homeowners seeking tailored coverage. Their ability to offer customizable service fees ensures affordability for all budgets.

Moreover, Cinch Home Services’ robust Complete Home plan and quick response times to claims make it a standout option. Their transparent pricing and high customer satisfaction scores add to their appeal.

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 specializes in coverage for new home buyers, offering plans that cover structural defects, appliances, and systems.
  • Price: Premiums range from $35 to $55 monthly, depending on the chosen plan.
  • Service Fee: The service fee is $100 per claim.

Why We Picked 2-10 Home Buyers Warranty

The company’s focus on new homeowners and its structural coverage options make it a unique and valuable choice for Idaho residents purchasing new homes. Their specialized plans cater to those who want long-term structural protection and peace of mind.

Additionally, 2-10 Home Buyers Warranty’s comprehensive appliance and system coverage protects homeowners from unexpected repairs. Their reliability and experience in handling claims make them a go-to choice for new home buyers.

Is A Home Warranty Right For You In Idaho?

Idaho homeowners face unique challenges due to the state’s diverse climate, geographic variations, and the age of its housing stock. Whether you own a historic home in Boise, a new build in Meridian, or a ranch in Idaho Falls, whether a home warranty is proper for you depends on your circumstances, priorities, and budget. Here’s a comprehensive guide to help you decide.

Key Benefits Of Home Warranties For Idaho Homeowners

Common Issues Idaho Homeowners Face That Home Warranties Can Cover

Factors To Consider Before Buying A Home Warranty In Idaho

Choosing The Right Home Warranty Provider In Idaho

Is A Home Warranty Worth The Cost In Idaho?

When considering a home warranty in Idaho, the decision often comes down to evaluating whether the investment aligns with your needs, lifestyle, and budget. Idaho homeowners face unique challenges due to the state’s diverse climate and the wear and tear it can place on home systems and appliances. Let’s break down the key factors to determine if a home warranty is worth the cost in Idaho.

Understanding Idaho’s Homeownership Challenges

Idaho’s climate ranges from frigid winters to hot, dry summers. These extremes can damage home systems such as HVAC, plumbing, and electrical. Homeowners may also encounter issues like hard water in certain regions, which can impact water heaters and dishwashers. A home warranty can offer peace of mind by covering repairs or replacements caused by these environmental factors.

Financial Protection For Costly Repairs

Unexpected repairs can strain your budget. In Idaho, the average cost of replacing an HVAC system can range from $4,000 to $8,000, while a new water heater can cost anywhere from $800 to $2,000. With a home warranty, you typically pay a flat service fee for covered repairs, reducing the financial burden. Evaluating your savings and ability to handle such expenses can help determine if a home warranty is the right safety net for you.

Frequency Of Repairs In Older Idaho Homes

Living in an older home increases the likelihood of system breakdowns. Many homes in Idaho were built decades ago, particularly in areas like Boise or Idaho Falls. Aging systems and appliances in these homes may no longer be under manufacturer warranties. A home warranty could bridge this gap, ensuring continued protection as these items age.

New Home Vs. Existing Home Considerations

For buyers of new homes in Idaho, some systems and appliances may already be covered under builder or manufacturer warranties. In this case, a home warranty may be redundant. However, a home warranty is a valuable investment for owners of older homes with expired warranties.

Lifestyle And Usage Impact On Cost

The utility and worth of a home warranty can depend on how heavily you use your home systems and appliances. Wear and tear are inevitable for families or households with high usage, making a home warranty more cost-effective. On the other hand, for single residents or low-usage households, the cost of a home warranty might outweigh the benefits.

Tailoring Coverage To Idaho’s Needs

A significant factor in determining whether a home warranty is worth it is selecting a plan that aligns with Idaho’s specific needs. Some providers offer add-ons for well pumps or septic systems, which are common in rural Idaho homes. This customization can enhance the value of a home warranty by ensuring coverage for the systems you rely on most.

Comparing Costs To Savings

To decide if a home warranty is worth it, compare the annual premium and service fees to the potential cost of repairs. For instance, if your yearly premium is $600 and a single HVAC repair costs $1,200, the warranty pays for itself. However, the cost may not justify the expense if you don’t file claims often. Tracking potential savings can help you make an informed decision.

Peace Of Mind For Idaho Homeowners

Beyond the financial aspect, the value of peace of mind cannot be overlooked. Knowing that your home systems and appliances are covered can reduce stress, particularly during Idaho’s extreme winters or scorching summers when the failure of a key system can disrupt daily life.

#1 RATED COMPANY

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(888) 894-6151

Who Oversees Home Warranty Companies In Idaho?

When purchasing a home warranty in Idaho, it is essential to know who regulates these companies and ensures they operate fairly and responsibly. Oversight of home warranty companies involves a combination of state and federal regulations designed to protect consumers and maintain market integrity. Here’s a detailed look at the entities involved and what homeowners should know.

The Role Of The Idaho Department Of Insurance

In Idaho, the primary authority responsible for regulating home warranty companies is the Idaho Department of Insurance (DOI). The DOI ensures that companies operating in the state comply with insurance laws, even though home warranties are technically service contracts rather than insurance products. Key responsibilities of the DOI include:

  1. Licensing and Registration
    • Home warranty providers must register with the Idaho DOI to legally operate within the state. This process involves meeting specific financial and operational standards.
    • The DOI also ensures that companies have sufficient reserves to honor claims, providing peace of mind to homeowners.
  2. Consumer Protection
    • The DOI is a consumer advocate, addressing complaints and disputes between homeowners and home warranty companies.
    • It investigates allegations of fraud or unfair practices, helping to ensure that companies treat their customers fairly.
  3. Monitoring Compliance
    • The DOI reviews contracts and marketing materials to confirm that companies provide clear and accurate information.
    • Regular audits and reviews ensure that providers adhere to their commitments and maintain ethical practices.

National Oversight And Industry Standards

While the Idaho DOI is the primary regulatory body, home warranty companies are also influenced by national oversight mechanisms and industry standards.

  1. Service Contract Industry Council (SCIC)
    • Many home warranty providers are members of the SCIC, a national trade association that promotes best practices and transparency in the industry.
    • Though the SCIC is not a regulatory body, it sets guidelines and standards that reputable companies often follow.
  2. Federal Trade Commission (FTC)
    • The FTC monitors advertising and sales practices to ensure companies do not use deceptive or misleading marketing.
    • It provides an additional layer of consumer protection, particularly when disputes cross state lines.

Legal Framework Governing Home Warranties

In Idaho, home warranty companies must operate within the boundaries of state and federal laws designed to protect consumers.

  1. Idaho Statutes on Service Contracts
    • Home warranties are governed under Idaho laws related to service contracts, which outline consumers’ rights and providers’ obligations.
    • These laws specify required disclosures, cancellation rights, and refund policies.
  2. Consumer Rights Under the Magnuson-Moss Warranty Act
    • This federal law applies to all warranties and ensures that consumers receive clear and detailed information about warranty terms before purchase.
    • The act also provides recourse for homeowners if a provider fails to fulfill its contractual obligations.

Filing A Complaint Against A Home Warranty Company In Idaho

If homeowners encounter issues with a home warranty company, the Idaho DOI provides a straightforward process for filing complaints:

  1. Submit a Formal Complaint
    • Homeowners can file a complaint online or through mail, detailing their concerns and providing supporting documentation.
    • Common complaints include denial of valid claims, delays in service, or unclear contract terms.
  2. Investigation and Resolution
    • The DOI investigates complaints by reviewing contracts, claim details, and company responses.
    • The DOI can impose penalties or require corrective actions if the company violates.
  3. Alternative Dispute Resolution
    • Sometimes, the DOI may recommend mediation or arbitration to resolve disputes between homeowners and providers.

Importance Of Choosing A Reputable Provider

To ensure a smooth experience, Idaho homeowners should choose home warranty companies that:

Checking the DOI’s database for licensed providers and reviewing complaint histories can help homeowners make informed decisions.

Conclusion: Why A Home Warranty Is Essential for Idaho

Idaho’s extreme climate, ranging from freezing winters to scorching summers, can significantly strain home systems and appliances. A home warranty helps homeowners manage the financial impact of these seasonal challenges.

A home warranty ensures quick access to professional repairs, particularly in rural areas, where repair services may be limited or costly. This makes it a valuable investment for maintaining a reliable and comfortable home.