Best Home Warranty Companies in Nebraska (2023)

The Midwest is known for its frigid winters and increasingly unpredictable weather conditions, which may place a unique emphasis on HVAC protection for Nebraska residents. But Cornhusker homeowners have other home repairs to consider — from Omaha's humid summers wearing down appliances with metal parts to dry conditions near the Kansas or Wyoming borders damaging well pumps.

If you’re a homeowner who doesn't have the savings to immediately cover unexpected repairs and replacements, a home warranty can help you protect your home and wallet when your systems and appliances break down due to everyday wear and tear. We at the Guides Home Team have reviewed the country's best home warranty companies and narrowed it down to five recommendations for Nebraska homeowners based on factors such as state availability, affordability and coverage options.

See how the best home warranty companies in Nebraska compare on key metrics.

* Range demonstrates the least expensive plan to the most expensive plan.** A service fee is a one-time payment typically in the range of $65–$75, with some fees being as high as $150. This fee covers the service you receive and is typically paid directly to your service contractor.

Note: All pricing information used in this article is pulled from sample quotes we received for a single-family home smaller than 5,000 square feet in Lincoln, Neb. Your quote may be different depending on the location of your home, its square footage and your coverage selections. Because of this, we recommend requesting a quote from a few different companies to compare plan pricing in your area.

Availability: 49 (all but Alaska)Year founded: 1971

American Home Shield (AHS) earns its spot on this list for its 50 years of experience in the home warranty industry. Founding many of the principles that newer home warranty companies have integrated into their business models, AHS also offers generous coverage caps, coverage for items damaged by rust and corrosion and flexible plan pricing based on the service call fee you select.

AHS offers three plan options: ShieldSilver, ShieldGold and ShieldPlatinum. ShieldSilver covers your home's essential built-in systems such as your air conditioner, ductwork and interior electrical lines. ShieldGold expands the coverage of ShieldSilver to include appliances such as your dishwasher and refrigerator. ShieldPlatinum covers everything in ShieldGold plus roof-leak repairs.

AHS offers a small suite of add-on options to further customize your policy:

Depending on the service call fee and plan you select, your monthly pricing may vary. Based on our quote from the company, customers can expect to pay between $50 and $95 per month. Compare American Home Shield monthly plan pricing below.

Coverage

$75 service fee

$100 service fee

$125 service fee

ShieldSilver

$64.99

$54.99

$49.99

ShieldGold

$74.99

$64.99

$59.99

ShieldPlatinum

$94.99

$84.99

$79.99

Get a quote: To request a free quote from American Home Shield, call 844-529-9298 or fill out this quick form.

To learn more: American Home Shield Review

Availability: 50Year Founded: 2019

Liberty Home Guard may be a relative newcomer to the home warranty industry, but it has made a name for itself by providing extensive add-on coverage options. Liberty's base plan offerings fall in line with industry standards, but its 30 optional coverage items can help homeowners customize their policy to fit their home's unique needs.

Liberty Home Guard offers three standard plan options: an appliance-only plan that covers appliances such as your clothes washer and dryer, a systems-only plan that covers important home appliances, including your air conditioning and heating, and a comprehensive plan option combining whole-home coverage into one package. In addition, the company offers these 30 add-on options:

Liberty's plans range from $44–$55 per month. Your service call fee will range from $65–$125, and this fee will depend on your plan selection and location. Compare Liberty Home Guard's plan costs in the chart below.

Plan

Monthly Cost

Appliance Guard

$44.99

Systems Guard

$49.99

Total Home Guard

$54.99

Get a quote: To request a free quote from Liberty Home Guard, fill out this quick form.

To learn more: Liberty Home Guard Review

Availability: 46 (all but Nevada, New Mexico, Wyoming and Washington)Year Founded: 2012

Select Home Warranty is another affordable option for homeowners looking to cover their home's essentials without breaking the bank. All of Select's plans are less than $50 per month and come complete with limited roof-leak protection, which is typically relegated to add-on coverage with other providers.

Select Home Warranty offers three plan options: Bronze Care, Gold Care and Platinum Care. Bronze Care covers appliances such as your laundry machines and dishwasher, while Gold Care covers built-in systems such as your plumbing and electrical system. Platinum Care combines the coverage of both plans and adds coverage for garage door openers and plumbing stoppages.

Select Home Warranty's eight add-on options include the following:

All three of Select's plans are less than $50 per month. You are responsible for a $75 service call fee when you file a claim. Compare Select's monthly plan rates below.

Plan

Monthly Cost

Bronze Care (appliances)

$41

Gold Care (systems)

$41

Platinum Care (combination)

$47

Get a quote: To request a quote from Select Home Warranty, fill out this personalized form or call 888-370-3956.

To learn more: Select Home Warranty Review

Availability: 48 (all but California and Hawaii)Year founded: 2009

America's 1st Choice Home Club (AFC Home Club) offers unrivaled plan variety, flexible pricing and one of the longest workmanship guarantees in the industry. AFC Home Club customers can choose from four different plan options, including two combination plans.

AFC Home Club offers four plans: Silver Plan, Systems Plan, Gold Plan and Platinum Plan. The Silver Plan exclusively covers appliances such as your refrigerator and dishwasher, while the Systems Plan offers basic coverage for your home's built-in systems. The Gold and Platinum Plans combine the coverage of the basic plans into slightly different comprehensive packages. The Gold Plan covers all of the items in the Silver and Systems Plans. The Platinum Plan takes the Gold Plan a step further by covering plumbing stoppages, faucets, ice makers and built-in microwaves.

AFC Home Club's add-on options extend to the following items:

Note: Discrepancies in the online quote system may appear to exclude ductwork coverage in the Systems Plan. However, we spoke directly with a customer service representative who assured us that ductwork is covered under all systems-inclusive plans.

Based on our quote, customers can anticipate paying between $32 and $55 per month, excluding add-on coverage. Compare the monthly plan costs for AFC Home Club below.

Coverage

$75 service fee

$100 service fee

$125 service fee

Silver Plan (appliances)

$36.67

$34.42

$32.08

Systems Plan

$43.58

$41.25

$39

Gold Plan (combination)

$50.42

$48.17

$45.83

Platinum Plan (combination)

$55

$52.75

$50.42

Get a quote: To request a personalized quote from AFC Home Club, use this simple online tool.

To learn more: America's 1st Choice Home Club Review

You should be aware that nearly every home warranty company requires a waiting period of 30 days before you can make your first service request. Still, all of the companies featured on this list are worth considering for Nebraska homeowners. We recommend that you request quotes from several providers, review the fine print within the sample contract and do your own research to compare the coverage and exclusions of each policy. This way, you can make an informed decision that best fits your needs.

If you don't want to deal with coverage caps on important home systems, consider American Home Shield. AFC Home Club will provide you with peace of mind that all repairs and replacements conducted by its technicians will be covered for the duration of your plan.

A home warranty fills in the gaps that homeowners insurance doesn't cover. You can rely on your homeowners insurance to protect you from unexpected expenses associated with catastrophic events, but it's not meant to be used for routine repair and replacements for your home's most-used items. A home warranty will help you pay for breakdowns associated with your home's systems and appliances.

All of the providers on this list will provide you with a replacement appliance if a technician is unable to repair it. American Home Shield's ShieldGold plan will cover appliances up to $3,000, and ShieldPlatinum will cover appliances up to $6,000, which is considered very generous in the home warranty industry.

It's worth noting that most home warranty plans stipulate that they will replace your appliance with a model of comparable color, specifications and efficiency, but that doesn't mean your company will cover the cost in its entirety, so it's important to read the fine print of your service agreement.

Companies like Liberty Home Guard cap HVAC coverage at $1,600. You’ll want to carefully review your service agreement so you’re aware of any possible exclusions.

Our team created a comprehensive rating system to rank providers based on objective factors. We researched each company by speaking with company representatives, reading sample contracts, and analyzing and comparing consumer reviews. We deepened our research by gaining homeowner insights through surveys and focus groups.

After collecting data, we scored each provider in the following categories: plan options, cost, trustworthiness, customer service, state availability, additional benefits and coverage specifics.

Roxanne Downer has more than 15 years as a news, finance and lifestyle writer and editor. A graduate of the University of Pennsylvania, she has previously worked at Deutsche Bank, BNY Mellon, Financial Week and MSN Money.