Best Home Warranty Companies in Utah (2025)

Utah homeowners must deal with freezing winter temperatures, dry summers, and even occasional earthquakes. These challenges can strain home systems and appliances, leading to unexpected repair bills or replacements.

A home warranty helps ease that burden by covering breakdowns due to normal wear and tear on major systems like plumbing, heating, ventilation, air conditioning (HVAC) and electrical, and appliances. It’s not the same as homeowners insurance but complements it by covering what insurance often doesn’t.

Here’s what you should know about the best home warranty companies in Utah to help you protect your home and budget.

Liberty Homeguard: Best for budget-minded homeowners

American Home Shield: Best for broad HVAC coverage

Cinch Home Services: Best for extended guarantees

First American Home Warranty: Best for homeowners with older appliances

Choice Home Warranty: Best for straightforward claims process

How home warranties work

A home warranty is a service contract that helps cover the cost of repairing or replacing major home systems and appliances that break down due to normal wear and tear.

Unlike homeowners insurance, which covers damage to your home and its contents from events like fire or vandalism, a home warranty focuses on internal components like your HVAC system, water heater, plumbing, electrical system, and home appliances.^[1]

When a covered appliance or system stops working, you file a claim with the warranty company, pay a service fee, and they send a technician to diagnose and fix the problem. Home warranties typically don’t cover structural issues, cosmetic damage, or problems caused by a lack of maintenance. They also don’t cover events like fires. That’s where homeowners insurance comes in.

Think of a home warranty as a financial safety net for unexpected breakdowns, which can be helpful in places like Utah, where weather extremes can wear down home systems faster.

How much does a home warranty cost in Utah?

Warranty Company	Plan Options	What Base Plan Covers	Monthly Premiums	Service Fees	Add-Ons
American Home Shield	ShieldSilver (base plan), ShieldGold, and Shield Platinum	HVAC, electrical systems, plumbing systems	$70–$120	$100 or $125	Yes, including roof leak repair, septic pump, well pump, and more
Liberty Homeguard	Appliance Guard, Systems Guard, and Total Home Guard	Home appliances; but not systems like plumbing, electrical, and HVAC	$50–$60	$75 to $125	Yes, including limited roof leak, lawn sprinkler system, stand-alone freezer coverage, and more
AFC Home Warranty	Silver, Gold, Platinum, and Diamond	Kitchen appliances and garage door opener	$44–$68	$75 or $125	Pool and spa, roof leak coverage, stand-alone freezer, electronics, and more
First American Home Warranty	Starter, Essential, and Premium	Plumbing, electrical, and heating systems, dishwasher and refrigerator, garbage disposal, oven and cooktop, built-in microwave	$49–$84	$100 or $125	Yes, including pool and spa equipment, septic systems, limited roof leak, and more
Select Home Warranty	Bronze, Gold, and Platinum	Most major appliances	$60–$64	$75–$100	Roof leak, pool, lawn sprinklers, and more
2-10	Simply Kitchen, Complete Home, Pinnacle Home	Kitchen appliances only	$32+	$100 or less	Roof leak, additional refrigerator, increased limits, and more
Choice Home Warranty	Basic and Total	Heating, electrical, plumbing, and some major appliances	$47–$55	$100	Pool and spa, second refrigerator, limited roof leak, and more
Fidelity National Home Warranty	Standard, Comprehensive, and Enhanced	Plumbing, water heater, heating, electrical, telephone wiring, central vacuum, garage door opener, built-in fans, kitchen appliances, best control, and re-keying	$22+	$75	Air conditioning, pool/spa, washer and dryer, limited roof leak, and more

How to buy a home warranty in Utah

If you own a home in Utah, a home warranty can offer peace of mind by covering repairs or replacement of major systems and appliances due to normal wear and tear. Follow these steps to help you buy the right plan:^[2]

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  1. Assess your home’s age and condition

  Older homes with aging systems may benefit more from a home warranty. Take note of what your homeowners insurance or existing service contracts and manufacturer’s warranties already cover to avoid overlapping coverage.

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  2. Identify the systems and appliances you want covered

  List standard items like your HVAC, plumbing, electrical, and kitchen appliances, as well as additional systems or appliances like a pool or spa, standing freezer, septic system, or central vacuum. This helps you determine what kind of coverage you actually need.

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  3. Research companies that serve Utah

  Compare reputable home warranty companies that operate in the state. Read customer reviews to understand the claims process and service quality.

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  4. Get multiple quotes

  Pricing and plan details vary. Request quotes from several companies, and compare costs, coverage, exclusions, and service fees.

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  5. Read the fine print

  Understand coverage limits, waiting periods, and exclusions. Watch for caps on specific items and pre-existing condition clauses.

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  6. Choose your plan and enroll

  Select the coverage level that fits your needs and budget. Then sign up online or through a representative. Keep your contract for easy access if you need to file a claim.

Home warranty in Utah FAQs