What your home warranty actually pays for
Nine providers, one shared question: if your AC dies tomorrow and a full replacement runs $6,000 — a realistic mid-range cost — how much of that would each company actually cover?
DATA COMPILED FROM 9 INDIVIDUAL PROVIDER REVIEWS · VERIFY CURRENT TERMS BEFORE ENROLLINGHVAC Coverage Cap vs. a $6,000 AC Replacement
Brass = what the company pays. Hatched red = what you’d still owe out of pocket on that $6,000 job.
Full Comparison Table
| Provider | BBB | Monthly | Service fee | HVAC cap | Best for |
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Figures reflect publicly available pricing, coverage-cap, and BBB data as of mid-2026, compiled across nine individual provider reviews on this site. Several providers report coverage caps inconsistently across independent sources — where a review notes “reported uncapped,” treat that as a claim to verify in writing with the provider before relying on it, not a confirmed guarantee. Pricing, ratings, and caps change; always confirm current terms directly with the provider before enrolling. This comparison is for general educational purposes and isn’t personalized financial advice.