Florida guide · Updated October 21, 2026

Best Home Warranty Companies in Florida

In Florida, the air conditioner is the system everyone worries about. Constant cooling, salt air near the coast and humidity all add wear. Florida also has a specific law for home warranty associations.

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Availability changes by ZIP code. Enter yours to compare current plans and service fees side by side.

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Home warranty companies serving Florida

Listed in no particular order — not a ranking. The best fit depends on your home, your budget and the coverage you want.

Choice Home Warranty

Serves the state

Sells plans in this state. Pricing is shared in your personalized quote.

American Home Shield

Serves the state

Sells plans throughout this state, with no ZIP codes excluded in its latest targeting list.

Select Home Warranty

Serves the state

Sells plans in this state. Published starting rates and service-fee ranges appear on the comparison page.

First American Home Warranty

Some ZIP codes

Serves many, but not all, ZIP codes in this state. Your ZIP decides whether it appears.

What Florida homeowners should check

AC is the big one

Compare HVAC coverage limits and how each plan handles refrigerant and full replacement.

Coastal salt air

Salt air can corrode outdoor units. Check whether rust or corrosion damage is excluded.

Hurricanes aren't covered

Storm and flood damage is a homeowners or flood insurance matter. A warranty covers breakdowns from normal wear.

How Florida regulates home warranties

Agency: Florida Office of Insurance Regulation

Law: Home warranty associations, Chapter 634, Florida Statutes

Visit the agency site · All 50 states

Common questions

Are home warranty companies regulated in Florida?

Yes. Home warranty associations are regulated by the Florida Office of Insurance Regulation under Chapter 634 of the Florida Statutes.

Does a Florida home warranty cover hurricane damage?

No. Storm, wind and flood damage are insurance matters. Home warranties cover breakdowns from normal wear and tear.

More answers: Home warranty FAQ · Blog

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