Best Home Warranty Companies in Nevada (2024)
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Living in Nevadaโs arid climate requires a working air conditioner during most of the year. Due to the relatively high cost of HVAC system repair, having a home warranty plan with ample coverage helps reduce unexpected repair costs in hot states like Nevada.
They also help protect major home appliances and other essential home structures, helping to keep your home rooming smoothly.
We analyzed the best home warranty companies in the United States and chose the best options for Nevada, comparing plan options, pricing, customer ratings, and more. We chose Liberty Home Guard for its multiple AC unit coverage and excellent add-on catalog. American Home Shield also tops our list for its comprehensive HVAC coverage with every plan. Learn more about our full list of top Nevada home warranty providers to find the best protection for your home.
Key Takeaways
The 5 Best Home Warranty Companies in Nevada
Liberty Home Guard includes HVAC coverage in two plans and offers protection for multiple AC units. American Home Shield includes comprehensive HVAC coverage under every plan with a generous $5,000 coverage cap. Weโve listed our complete list of Nevada home warranty companies below:
Our table below compares key factors of the top Nevada home warranty companies.
| Star Rating | Monthly Cost in NV | Service Fee | Response Time | Link | ||
|---|---|---|---|---|---|---|
| Liberty Home Guard | | $49โ$59 | $65โ$125 | Up to 48 hours | VISIT SITE | |
| American Home Shield | | $29โ$89 | $100โ$125 | Up to 48 hours | VISIT SITE | |
| Elite Home Warranty |  | $44โ$58 | $70 | Up to 48 hours | VISIT SITE | |
| First American Home Warranty |  | $42โ$82 | $75โ$125 | 4-48 hours | VISIT SITE | |
| AFC Home Warranty |  | $36โ$96 | $75โ$125 | 24-48 hours | VISIT SITE |
| Liberty Home Guard | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost in NV | $49โ$59 |
| Service Fee | $65โ$125 |
| Response Time | Up to 48 hours |
| American Home Shield | |
|---|---|
| Logo |
 |
| Star Rating | |
| Monthly Cost in NV | $29โ$89 |
| Service Fee | $100โ$125 |
| Response Time | Up to 48 hours |
| Elite Home Warranty | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost in NV | $44โ$58 |
| Service Fee | $70 |
| Response Time | Up to 48 hours |
| First American Home Warranty | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost in NV | $42โ$82 |
| Service Fee | $75โ$125 |
| Response Time | 4-48 hours |
| AFC Home Warranty | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost in NV | $36โ$96 |
| Service Fee | $75โ$125 |
| Response Time | 24-48 hours |
| Company | BBB Rating | Monthly Cost in NV | Service Fee | Visit Site |
|---|---|---|---|---|
| NR | $49โ$59 | $65โ$125 | VISIT SITE | |
| B | $29โ$89 | $100โ$125 | VISIT SITE | |
| A+ | $44โ$58 | $70 | VISIT SITE | |
| B | $42โ$82 | $75โ$125 | VISIT SITE | |
| B | $36โ$96 | $75โ$125 | VISIT SITE |
Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,139-square-foot, single-family home in Carson City, Nevada. Your pricing may vary depending on your homeโs location, size, type, and plan selections.
How We Rated Home Warranty Companies in Nevada
We contacted local repair technicians, home builders, and real estate agents to find the best Nevada home warranty providers. They helped identify common appliance and home system failures in the state. Next, we contacted top home warranty companies and spoke with company representatives, reviewed sample contracts, gathered sample quotes, and reviewed coverage and exclusions.
Next, we scored each provider against our review standards in four categories: coverage, value, trust and transparency, and availability and service. We verified each company offered HVAC and roof-leak coverage in their standard coverage or as an add-on. We researched brand reputation and read third-party customer reviews. We also checked each policy and its claims process, including the filing process, processing speed, and customer support options.
Are Home Warranties Worth It in Nevada?
Nevada residents benefit from a home warrantyโs added protection and security. Major home appliances and systems experience wear and tear beyond their initial manufacturer’s warranty. Youโll pay significant repair and replacement costs if these items break down.
For example, many Nevada residents depend on a functioning air conditioner for most of the year. Between the state receiving 252 sunny days per year and facing triple-digit temperatures during summer months, AC failure could cause major issues for your home life. These brutal conditions also take a toll on your roof, with extreme temperatures deteriorating roof material and causing leaks. With a home warranty plan, these valuable items receive added protection and help save your emergency repair budget.ย
Nevada offers a lower cost of living and no individual income tax, which may make it more feasible for homeowners to invest in a home warranty plan. Also, note that a higher percentage of homes are managed under HOAs in Nevada. This can render some coverages unnecessary depending on what the HOA covers. HOAs often have rules regarding water usage, landscaping, and more, which can impact what coverage is needed under a home warranty plan.
Based on our research, weโve found the most common home system and appliance repairs in Nevada homes:
| Item | Average Cost to Repair | Average Cost to Replace |
|---|---|---|
|
$30โ$150 |
$3,800โ$10,000 |
|
|
Gas ranges |
$100โ$500 |
$230โ$3,000 |
|
$100โ$650 |
$2,500 and $15,000 |
|
|
$150โ$450 |
$200โ$5,000 |
|
|
$150โ$2,000 |
$5,000โ$13,000 |
Data sourced from The Home Depot
How Much Does a Home Warranty Cost in Nevada?
Based on our sample quotes, a home warranty in Nevada costs an average of $58 monthly or $700 annually. However, the policy premium isnโt the only cost youโll pay to use your home warranty. Companies charge a service call fee each time you file a claim. Our research shows the average service call fee ranges from $75โ$125 per claim.
Several factors influence the cost of your home warranty coverage, including your home's size and type, location, and plan choices. Below are additional factors that affect home warranty costs:
Add-on coverage varies based on the provider but could add as much as $25 more to your premium costs. We recommend choosing only essential add-on protection that benefits your home. Many companies offer roof-leak coverageโa common home issue in Nevadaโas an add-on. Use a sample quote to build your ideal coverage with add-on costs included. Then, compare at least three quotes to find the best costs.ย
Comprehensive plans that cover appliances and systems will cost more than targeted coverage options. If you only need system-specific protection, such as HVAC coverage, you could save more with a system-only plan. Think about the major appliances and systems you use most and purchase only the necessary coverage. Also, if you own high-end appliances, pick a company that includes them in its standard plans to ensure sufficient coverage.
Older homes or homes with older systems and appliances are more prone to failure and will need higher coverage caps. Youโll pay more for plans with higher caps and more inclusive policies, including coverage for preexisting conditions. However, youโll save more with adequate coverage than choosing a plan with lower coverage limits.
Reviews of the Best Home Warranty Companies in Nevada
Liberty Home Guard
Best Customer Ratings
American Home Shield
Best for Comprehensive Coverage
Elite Home Warranty
Best for Flexible Coverage
First American Home Warranty
Best Appliance Coverage
AFC Home Warranty
Best for Customization
How Do You Choose a Home Warranty in Nevada?
There are several factors to consider before purchasing a home warranty in Nevada, such as your budget, coverage needs, and location. To ensure you buy the right home warranty, keep the following considerations in mind:
Check for Builderโs or Manufacturerโs Warranties
If you purchased a newly constructed home, chances are it has a builderโs warranty. Nevada requires home builders to cover a new homeโs built-in systems for one year. You may not need a systems plan if your home includes protection under the builderโs warranty. Similarly, you may not need an appliance-only plan if you recently purchased new appliances. Most new appliances include manufacturerโs warranties valid for 12 to 24 months. Consider purchasing a home warranty after the builderโs and manufacturerโs warranties expire so your essential systems and appliances remain covered.
Research Company Reputation
Another crucial factor to consider is a companyโs reputation. Research each company on the Better Business Bureau site to review its rating and accreditation. Read customer reviews and note any patterns of complaints, including poor customer service, delayed claims processing, or denied claims.
Understand the Claims Process
We recommend reviewing a providerโs general claims process for several reasons. First, you want a provider that openly shares how it handles claims from beginning to end. Second, you want to ensure the provider has a vetting process for its service technicians. Finally, you should confirm whether you can use your own contractor if you already have someone you trust. Some home warranty companies allow you to choose your preferred technician as long as theyโre licensed.
How Are Nevada Home Warranties Regulated?
Our research shows Nevadaโs Division of Insurance (DOI) regulates home warranty companies. In 2019, Nevada legislators declared that home warranties fall under the same regulations as service contracts. Nevada service contract Statute 690C-150โ160 outlines requirements companies must follow before selling plans within the state. For example, home warranty companies must maintain a reserve fund to pay out consumer claims in case the company goes out of business.
The DOI provides a company look-up tool to help Nevada residents find licensed home warranty companies. It also accepts complaints via an online complaint form submission.
Home warranty companies also self-regulate through industry associations. Organizations such as the National Home Service Contract Association and the Service Contract Industry Council work closely with home warranty companies to keep consumer and provider interests in mind.
Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. Itโs best to request a quote directly from one of our recommended providers, as annual costs and service fees vary.
Note: The annual cost figure generated by our home warranty calculator is not an indication of a companyโs actual plan cost, as annual costs and service fees vary based on your plan selections and your homeโs size, type, and location.
Life span and repair cost data sourced from InterNACHI and Home Depot
Other Resources for Residents in Nevada
Frequently Asked Questions
Is a home warranty mandatory in Nevada?
No, a home warranty is not mandatory in Nevada, unlike homeowners insurance, which mortgage lenders typically require. If youโre purchasing a new home and are unsure about the condition of the major appliances and built-in systems, a home warranty could be a good investment as it will offset the out-of-pocket costs to repair or replace these items.
What is a service call fee?
A service call fee works similarly to an insurance deductible. Itโs a previously agreed-upon fee outlined in the service contract with your home warranty provider that you must pay before a contractor proceeds with your service request.
Who should consider purchasing a home warranty plan in Nevada?
Any homeowner who wants to stay ahead of repair and replacement costs for major appliances and home systems should consider purchasing a home warranty in Nevada. Home warranties can protect against most large bills for home appliances and system breakdowns.
How do home warranties work in Nevada?
Home warranty companies find reputable service providers in your area to repair or replace your systems and appliances in exchange for a monthly or annual fee. They also cover the cost to repair or replace those items up to a certain amount. When your covered item breaks down, you submit a claim to your provider for servicing. Once your provider receives your claim, it will search for an in-network specialist and send them to your home to assess the problem, typically within 24 to 48 hours.ย
Find Home Warranty Companies in NV
Our Detailed Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys.
We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Hereโs a breakdown of our weighted factors:
We score each provider using a detailed rating methodology to score each provider objectively. We use four comparison categories and rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Hereโs a breakdown of our weighted factors:
- Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
- Additional coverage items
- Annual coverage cap
- Home systems coverage
- Major appliances coverage
- Obstructed wall coverage cap
- Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
- Average monthly cost
- Cost flexibility
- Lowest service fee
- Trustworthiness and Transparency (16%): We evaluated each companyโs reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
- Brand reputation
- Policy change flexibility
- Sample contract availability
- Workmanship guarantee length
- Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
- Claims process
- Guaranteed response time
- Service flexibility
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