Best Home Warranty For A Condo Or Townhome To Cover Your Appliances!

Repair costs for systems and appliances for your condo or townhome can put a dent in your budget, especially if an item has to be replaced.

But here’s the thing: 

For a small monthly fee, you can have a home warranty plan that protects your most substantial investment – your home.  

In this post we will evaluate the best home warranty companies for a condo.  We will also cover how a warranty would work for your townhouse, how much a condo home warranty costs and discuss who actually needs a home warranty.

What Is A Home Warranty?A home warranty is a contract that covers the repair or replacement cost of any malfunctioning system or appliance that you’ve purchased coverage for.  Home warranties are distinct from homeowner’s insurance because insurance protects your investment from damages due to fires, floods, wind, and other disasters. A warranty, on the other hand, repairs items that break or malfunction due to normal wear and tear. 

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The Best Home Warranty Companies For A Condo At A GlanceTend Home Warranty leads with transparent pricing and comprehensive coverage, while Choice Home Warranty offers budget-friendly options for cost-conscious owners. American Home Shield rounds out the top three with the industry’s largest contractor network for maximum service availability.

Tend Home Warranty – Best OverallTend Home Warranty is the top choice for condo owners seeking comprehensive coverage with transparent pricing and no hidden fees. Their plans cover essential systems and appliances that fall under unit owner responsibility, with claim processing typically within 24-48 hours. A vetted network of licensed contractors and straightforward contract terms make Tend the best overall option for reliable condo protection.

Choice Home Warranty – Best for AffordabilityChoice Home Warranty offers budget-friendly monthly payments and flexible coverage options for cost-conscious condo owners. With nationwide availability and quick service dispatch, they provide solid basic to mid-tier protection at competitive rates.

American Home Shield – Best for Largest Service NetworkAmerican Home Shield provides access to the industry’s largest contractor network with established brand reliability. Multiple plan tiers and add-on options make them ideal for condo owners who prioritize extensive service provider choices.

Home Service Club – Best for No Service FeesHome Service Club eliminates service call fees while offering low-cost coverage plans. Their straightforward approach maximizes savings on routine condo repairs without hidden charges.

Cinch Home Services – Best for Digital ExperienceCinch Home Services delivers a modern warranty experience with a user-friendly mobile app for claim management. Real-time tracking and seamless online service requests appeal to tech-savvy condo owners.

ARW Home Warranty – Best for Regional ServiceARW Home Warranty focuses on specific regional markets with personalized customer service and quick local contractor response. Their smaller provider approach offers more attentive support for condo owners in their service areas.

Select Home Warranty – Best for CustomizationSelect Home Warranty allows condo owners to customize coverage by adding specific systems or appliances. Their flexibility accommodates unique condo setups and specialty items requiring protection.

First American Home Warranty – Best for Financial StabilityFirst American Home Warranty combines decades of industry experience with strong financial backing. Their comprehensive coverage options and consistent service quality provide long-term reliability for condo owners.

America’s First Choice Home Club – Best for Simple CoverageAmerica’s First Choice Home Club delivers competitive pricing on essential coverage with straightforward contract terms. Their no-frills approach suits condo owners seeking clear, uncomplicated protection.

2-10 Home Warranty – Best for Contract Flexibility2-10 Home Warranty offers flexible contract lengths and customizable coverage duration. Their options suit new condo buyers or those preferring shorter-term commitments with adjustable terms.

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Who Needs A Home Warranty?Any homeowner can benefit from a home warranty policy. It protects you from unexpected and costly repairs in your home. For example, if your air conditioner or water heater malfunctions, it can cost hundreds of dollars (or thousands) to repair or replace it. 

If you have a home warranty, then your only expense is the service fee for the technician to come to your home. According to Darren Robertson from Northern Virginia Home Pro, condos or homes that come with warranties usually sell quicker and for more than those without, too.  This service fee is pre-negotiated in your contract and ranges from about $75 to $120. Think of it like an insurance deductible.

How Does A Home Warranty Work For A Condo?Home warranties for condos work similarly to warranties for detached houses, but there is a notable exception. Even the best home warranty for a condo is going to exclude coverage on any shared systems. For example, depending on the community, common systems can include:

Heating and air conditioning systemsHot water systemsPipesElectrical systemsLight fixturesSecurity systemsIs There Anything A Home Warranty Won’t Cover For My Condo?If any appliance or system is shared between you and another homeowner, then, unfortunately, it can’t be covered with a home warranty policy. The good news is that the condo’s Homeowners Association is typically responsible for the repair or replacement of common elements.

If one of your covered appliances or systems breaks, then you would submit a claim to your warranty company. The company would then reach out to a contractor in its network to schedule an appointment with you to evaluate the situation.

Based on the technician’s assessment, your appliance or system could be repaired or replaced.  Your only financial obligation is the cost of the visit from the technician, which is predetermined by your home warranty policy.

How Does A Home Warranty Work For A Townhome?Townhomes are very similar to condos, and the terms are often used interchangeably. The key difference is that townhomes are usually two levels (while a condo can be one or two levels), and one or two walls can be connected to your neighbors.

Townhomes are typically rented, and in that case, the renter would not purchase a home warranty policy. Instead, the owner or property manager would be responsible for the repairs.  If you do own a townhome, then the home warranty coverage would work the same way as it does for condos.

How Much Is A Home Warranty For A Townhome?The price for a policy will vary, though it can be cheaper than a standalone, detached home since it doesn’t cover repairs for appliances and systems that are shared with another townhome.  Just like a condo, expect to find policies ranging from $300 to $600 or more annually. 

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Taking ActionIf you need a home warranty for your condo or town home it’s time to take action.  We have done the research and laid out the best companies available in the market. To get started, just click on any of the above buttons. If you are a new homeowner, you might not have this cash set aside.  Given that home warranties start at under $1 a day, having a policy is a smart decision.

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