Generous coverage, transparent terms, and an incredibly supportive team put American Home Shield (AHS) at the top of the list. AHS pays up to $3,000 per item for most appliances and systems. That’s way more than most providers are willing to pay.

With a $75 flat-rate service fee, the company offers the lowest service fee in the industry. In comparison, most companies charge up to $125 per service call. They also offer solid coverage.

TotalProtect offers an impressively thorough coverage. The Combo plan, their most expensive plan, covers pretty much everything you’d want to protect including expensive items, break-prone items, and uncommon items such as smoke detectors.