Homeowners in Maine are as far east as you can get in the United States. Maine is known for its beautiful summers and picturesque winters. Those who are lucky to own a home in Maine will want to be outside and enjoy everything that the state offers. The problem is that homeownership comes with quite a few stressors when you try to keep the home in excellent condition.
Maine is one of the northernmost states in the U.S. and is bordered by New Hampshire, as well as the Canadian provinces of New Brunswick and Quebec. Having both system and appliance coverage in a Maine home can be quite important. In our guide featuring the best home warranties in Maine, we will give you information on why Maine homeowners need a home warranty, what the best home warranty companies in Maine are, and how to choose the perfect one for your home.
Maine’s Top 4 Home Warranty Companies
Compare the Best Home Warranty Companies in Maine
The table below outlines data for the best home warranty companies in Maine and beyond. We frequently update these ratings to give you the most accurate information possible.
Company | Monthly Cost | Service Fee | Coverage Limit | Response Time | Rating | States Covered |
 | $46.83–$54.75+ | $85 | $3,000 | 24–48 hours | 4.0 | 49 states, excluding WA |
 | $49.99–$99.99 | $75–$125 | $6,000 | 24–72 hours | 4.5 | 50 States |
 | $49.99–$69.99+ | $65–$125 | $2,000 | 12–48 hours | 4.3 | 47 states, excluding NV, WA, and WI |
 | $60.42–$63.75+ | $60–$75 | $3,000 | 24–48 hours | 4.2 | 47 states, excluding NV, WA, and WI |
 | $30.00–$60.00 | $75–$125 | $3,000 | 24–48 hours | 4.3 | 49 states, excluding HI |
 | $39.99–$54.99 | $100–$125 | $2,000 | 24–48 hours | 4.1 | 48 states, excluding AK and HI |
 | $17.00–$60.00 | $65–$100 | $2,500 | 24–48 hours | 4.0 | 42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY |
 | $36.00–$46.50 | $75–$125 | $3,500 | 24–48 hours | 3.9 | 34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI |
Quote and cost data gathered January 2023.
Choice Home Warranty
4.1
Our Rating
Choice Home Warranty is the best overall home warranty in the state of Maine. The Choice Home Warranty company has over 13 years in the industry, and they typically have a BBB rating of around a B-. As you will quickly learn, this is reasonably good for a company in the home warranty industry. One of the things that make Choice Home Warranty stand out is that the policy and the plans are straightforward. You will clearly understand what your policy covers and what it does not.
- Our Take: Best Overall
- Average Annual Cost: [$550] – [$650]
- Response Time: Up to 48 hours
Choice Home Warranty offers Maine homeowners two policy options to choose from. However, each of these policies has both systems and appliances covered. Having peace of mind about both the systems and appliances covered in your home is quite essential. In addition, the coverage limits or coverage caps for the Choice Home Warranty plan are considerably higher than they are with other companies. Getting to the $2500 and above the mark on coverage caps is relatively high. The service call fee from Choice Home Warranty is $85.
Here’s a detailed look at Choice Home Warranty’s coverage:
- Basic Plan ($42 per month): The Basic Plan from Choice Home Warranty covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. Although coverage is a bit more limited, it is great to have a mix of major systems with appliances as part of this plan.
- Total Plan ($53.33 per month): The Total Plan is the more comprehensive plan and covers all 13 items in the Basic Plan, plus an additional four items. The Total Plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. The washer and dryer coverage, along with the refrigerator, are important considerations for Maine homeowners.
Choice Home Warranty has several add-on coverages that you can add to either of its plans.
- Roof leak coverage (single-family homes only)
- Central Vacuum
- Septic Tank
- Well Pump
- Pool
- Spa (Can be combined with pool coverage if the equipment is shared)
- Sump Pump (must be permanently installed)
- Stand Alone Freezer
Liberty Home Guard
4.5
Our Rating
Liberty Home Guard is the most trustworthy home warranty in the state of Maine. The interesting thing about Liberty Home Guard is that the policy has only been on the market for the last two years. With two years in the industry, Liberty Home Guard has managed to earn an A rating with the BBB. The company has modern customer service systems in place, responds to service requests quickly, and has a broad range of coverage options. If you are looking to deal with a younger company that is excited about the product that they have to offer, LHG is an excellent choice.
- Our Take: Most Trustworthy
- Average Annual Cost: [$649] – [$749]
- Response Time: Within 24 hours
There are three Liberty Home Guard plans to choose from. A systems plan, appliance plan, and a combo plan. When you first look at the overall pricing of the Liberty Home Guard plan, it may seem a little high. However, after evaluating the depth of the coverage, you should see how much of a value this plan offers. In addition, Liberty Home Guard provides the most extensive home warranty add-on option list around. The service fee from Liberty Home Guard is just $75.
Here’s a detailed look at Liberty Home Guard’s coverage:
- Appliance Guard ($64.99 per month): The Appliance Guard plan from Liberty Home Guard has coverage for 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker.
- Systems Guard ($69.99 per month): The Systems Guard plan is a systems-only option with nine systems. These systems are the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. For a systems-only plan, the number of major systems included here is quite impressive.
- Total Home Guard ($74.99 per month): The Total Home Guard is the best value from LHG. Total Home Guard has more than 20 covered systems and appliances. With the Total Home Guard plan, you will notice that all the coverage from Appliance Guard and Systems Guard are combined. This home warranty policy is a great mix that will provide tremendous peace of mind.
Liberty Home Guard has one of the most extensive lists of add-on coverages in the industry; these will include:
- Pool and spa
- Additional spa (Billed as an extra to the pool system)
- Saltwater pool
- Gutter cleaning
- Floor/carpet cleaning
- Sump pump
- Fixtures
- Water softener
- Trash compactor
- Lawn sprinkler system (all mechanical parts)
- Electronics protection
- Swamp cooler
- Ejector pump
- Septic system pumping
- Limited roof leak
- Pest control
- Locksmith
- Free-standing ice maker
- Central vacuum
- Stand-alone freezer
- Re-key
- Second refrigerator
- Wine refrigerator
- Well pump
- TV and PC
- Generator
- Water dispenser
Select Home Warranty
4.2
Our Rating
The Select Home Warranty is the most cost-effective home warranty plan for Maine homeowners. Home warranty plans need to be affordable so that homeowners can see the value in them. Select Home Warranty allows you to quickly see how important it is to have this warranty in place. With almost ten years in the industry, this is a company that is here to stay. Select Home Warranty gives customers free roof leak coverage with any of their home warranty plan choices. This added coverage is a great benefit and helps to save quite a bit of money.
- Our Take: Most Cost Effective
- Average Annual Cost: [$579] – [$650]
- Response Time: Up to 48 hours
There are three Select Home Warranty policies to choose from. There is a systems plan, appliance plan, and combo plan. You will quickly see that the Platinum Care plan is the best overall choice for Maine homeowners. This policy is just a few dollars more per month, but it basically doubles your coverage. In addition, the Select Home Warranty has plenty of add-on coverage to make the plans a perfect fit for your home.
- Bronze Care ($52 per month): The Bronze Care plan is an appliance-only home warranty plan. This plan covers seven major appliances, including a refrigerator, built-in microwave, clothes washer and dryer, oven, garbage disposal, and cooktop.
- Gold Care ($52 per month): The Gold Care plan is a system-only plan from Select Home Warranty. There is coverage for six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. The Gold Care Plan may only have six covered items, but these are important as malfunctions will be costly to fix.
- Platinum Care ($58 per month): The Platinum Care plan will include all of the appliances under the Bronze Care plan and all of the systems under the Gold Care Plan. Most homeowners choose the Platinum Care plan from Select Home Warranty because of its mix of coverage for home appliances and home systems.
Select Home Warranty has several add-on coverages that you can attach to either of its plans; roof leak coverage is included without paying extra.
- Central vacuums (Does not include clogged pipes)
- Lawn sprinkler systems
- Pools (Can combine with spa coverage if the equipment is shared)
- Spas
- Stand-alone freezers
- Sump pump (must be within the foundation of the home)
- Well pump
American Home Shield
4.2
Our Rating
American Home Shield is the most customizable plan in the state of Maine. Depending on where in the state your home is located, it may have some unique features and benefits. Being able to tailor your home warranty plan to ensure that these benefits are taken care of and covered is a major reason to choose the American Home Shield warranty. AHS has been offering home warranties to Maine homeowners for the last 50 years. The customer service is high in quality, the policy limits are high, and the overall plan is considered to be a more premium option or choice.
- Our Take: Best Customizable Plans
- Average Annual Cost: [$479] – [$779]
- Response Time: Up to 48 hours
There are three American Home Shield policies for you to choose from. Although all of these policies have good coverage, the two combo or comprehensive plans tend to be the most popular choice. Each of these plans covers various systems and appliances, making them an even better deal for homeowners. The American Home Shield plans also have a long list of add-on or optional coverage that can enhance the plan. The coverage cap from American Home Shield will range from around $75 to $125. If you want a low monthly cost, you will need to choose the high service fee.
Here’s a detailed look at American Home Shield’s coverage:
- ShieldSilver™ ($39.99 per month): The ShieldSilver plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, central vacuums, doorbells, garage door opener, heating system, garbage disposals, ceiling fans, instant hot/cold water dispenser plumbing, and ductwork. For a systems-only plan, ShieldSilver has quite a bit of coverage and good protection against replacement costs.
- ShieldGold™ ($49.99 per month): ShieldGold is the combo plan covering both systems and appliances. There are 23 home systems and appliances on this plan. The ShieldGold plan has additional coverages, including a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator.
- ShieldPlatinum™ ($64.99 per month): The ShieldPlatinum plan includes 27 systems and appliances. Pricing for ShieldPlatinum is slightly higher, but it is one of the more premium home warranty plan choices in the state of Maine. The AHS ShieldPlatinum plan also has other benefits like higher coverage caps that help make it one of the premier protection plans in the industry.
American Home Shield also offers several add-on coverages for homeowners to consider.
- Septic system (first-year customers only, nonrenewable)
- Pool
- Spa
- PC
- TV (includes home theater system)
- Well pump coverage
Home Warranties in Maine Cities
How Much Does a Home Warranty in Maine Cost?
The average Maine home warranty will cost about $750 per year. Home warranty coverage will vary in price depending on the size of your home and the overall coverage that you choose. If you are looking to try and keep the overall costs of home warranty coverage to a minimum, look for a plan that has customizable service fees. Homeowners can sometimes find a discount for a home warranty if you are a veteran or a senior. Keep these things in mind as you look for the best plans on the market.
| Overall | $748.25 |
| Single-Family | $611.79 |
| Multi-Family | $1,120.18 |
| Townhome | $539.61 |
| Condo | $631.46 |
| Duplex | $926.55 |
| Home Over 5,000 sq ft | $1,294.73 |
| Home Under 10,000 sq ft | $668.38 |
Final Thoughts
Hopefully, you now feel as though you can confidently pick a home warranty policy for your home. Choice Home Warranty stands out as the best overall option for the Maine homeowner. With close to 13 years in the industry, excellent customer service, and some of the most comprehensive coverage, Choice makes this an easy decision. We recommend getting more than one quote for your home warranty. If one company on the list seems to be the best value for your Maine home, you can’t go wrong. The most crucial factor is to get this plan started, so you can start to enjoy the benefits.
How to Choose the Best Home Warranty in Maine
Now that you have the best home warranties in Maine narrowed down to the top four, it is time to determine which of these plans is best for your home. There are quite a few things to consider when narrowing down home warranty policies. However, three of the most critical things to look for are the company history, coverage choices, and overall pricing of the policy.
- Company History: The longer a company has been on the market, the more trustworthy homeowners assume that it is. When looking into company history, try to consider the BBB rating and the company’s reviews as well.
- Coverage Choices: The coverage choices on the market will vary considerably, with some plans offering combo coverage and others offering plans specific to systems or appliances. Make a list of the coverages you need for your home and choose a plan that most closely matches.
- Overall Pricing: When looking at the overall pricing of a plan, don’t forget to consider the fact that service fees and coverage limits will impact the overall pricing and value of the policy.
As great as Maine is, there are issues with homeownership that Maine homeowners are not immune to. Some of the top home maintenance problems in Maine include plumbing systems, kitchen appliances, and HVAC.
- Plumbing Systems: Plumbers will charge a fee to come and diagnose your plumbing issue. Then they will charge for the repair on top of this. With a home warranty in place, you will simply be responsible for your service fee.
- Kitchen Appliances: Kitchen appliances tend to be the most used in the home, yet most homeowners would not know how to fix a cooktop, microwave, or dishwasher. A home warranty plan will ensure that your fix is just a service fee away.
- HVAC: Although the Maine summers are beautiful, they can get quite warm at night. Having a home warranty covering your HVAC system ensures that your fix is just a phone call away.
What is a Home Warranty?
A home warranty is a protection plan for home systems and appliances. Homeowners that are worried about paying high out-of-pocket repair and replacement expenses can put a home warranty in place to keep expenses in control. The home warranty is not a mandatory plan and instead is a way to protect your budget and your savings account. Homeowners will have to pay a service fee each time they need service for a breakdown; these expenses will be between $75 and $150. Home warranties allow homeowners to have greater peace of mind.
Home Warranty vs. Homeowners Insurance
A home warranty and homeowners insurance are a bit different. Homeowners insurance will protect your home from large disasters like fires, hurricanes, and tornadoes. Homeowners insurance is necessary for those who have a mortgage. A home warranty protects a homeowner from the expenses related to the repair and replacement of home appliances and systems. Home warranties help with the day-to-day issues that cost us money and time. Home warranties will not cover things like a natural disasters the way that insurance companies do. In addition, the homeowners insurance deductible is considerably higher than a service fee from a home warranty.
How Does a Home Warranty in Maine Work?
A home warranty plan is designed to make life easier for homeowners. When you request service under your extended warranty or builder’s warranty there is typically a time-consuming and stressful process involved. With a home warranty in Maine, this will not be the case, the process is typically quite simple, and you can have a repair in 24-48 hours. Here are the basic steps on how a home warranty in Maine will work.
- Find a home warranty plan that meets the needs of your Maine home and fits within your budget
- Wait the 10-30 days before the home warranty will go into full effect; cancellation during this time period is typically free of charge
- If you experience an issue with a home system or appliance, check your policy to see if it could be covered as part of your home warranty plan
- Most times, a home warranty provider will have an online portal system that allows you to submit claims 24/7 sometimes a phone call or live chat is also an option
- Pay the service call fee, and the technician or contractor will come to your home and help complete your repair; typically the service fee will be the only out of pocket costs
- Once the issue is inspected, options for repair or replacement will be presented to homeowners; if the appliance or system can’t be repaired, the home warranty plan may offer replacement costs
- Repair should happen within 24-72 hours; most contractors and service technicians want to get the repair fixed as soon as possible
- A workmanship guarantee will protect you from having to pay the service fee more than once; if the repair fails, simply let your home warranty provider know, and they will send someone to repair it for you
What does a Home Warranty Cover?
Home warranty plans will cover home systems, appliances, and add-on coverage. The home appliances are typically the washing machine, dryer, refrigerator, oven, dishwasher, and more. Home appliances are used daily, and we rely on them heavily. It makes sense to have this coverage because of the number of appliances and the amount of wear and tear that appliances take.
The home systems often included in the plan include electrical systems, HVAC, plumbing systems, heating system, and more. The repair and replacement costs for home systems are high, and having protection under the home warranty plan is important. The add-on coverages typically include things like swimming pools, sprinkler systems, pest control, and more.
With a home warranty plan, homeowners will have protection against normal wear, but there are quite a few exclusions that will cause your home warranty claim to get denied. Understanding what will cause your home warranty claim to get denied is very important.
What is Not Covered by a Home Warranty?
Home warranty plans only cover normal wear and tear on appliances and systems. If there are cosmetic issues, intentional breakages, or even a lack of routine maintenance, your home warranty claims will be denied. Having an inspection of your property done before the start of your home warranty plan can be an excellent way to help prove that you have no preexisting issues in your home.
- Cosmetic issues
- Preexisting conditions
- Natural disasters
- Lack of maintenance and upkeep
- Intentional breakage
- Misuse of a system or appliance
Biggest Complaints about Home Warranty Companies in Maine
Homeowners in Maine tend to like their home warranty plans because of the money they save. However, some issues come up and some people complain and cancel their plans. When reading home warranty reviews, you will find a few of the biggest complaints are claim denial, failed repair, and additional out-of-pocket expenses.
- Claim Denial: at times, a home warranty provider will deny your claim for a home system or appliance repair. The claim denial is frustrating but can typically be avoided. Make sure that you know exactly what is required of you to ensure that your home warranty claim is approved.
- Failed Repair: a failed home warranty repair happens occasionally. Take a look at the workmanship guarantee associated with your home warranty plan and ensure that it is enough time to ensure your repair is handled the right way.
- Out of pocket expenses: Some home warranty-related repairs require you to pay out of pocket for your home system and appliance repairs. This can happen if the coverage cap is not high enough to cover the entire repair. Make sure you check the coverage caps or policy maximums before you invest in a home warranty.
Are home warranties worth it?
A home warranty plan is well worth the money for a Maine homeowner. Homeowners in Maine have to deal with a wide range of weather and climate-related issues throughout the course of a year. This can create issues with home systems and appliances and the rate at which they experience normal wear. Home warranties will help you stay ahead of these issues as they come your way.
If your HVAC unit goes down and you don’t have a home warranty in place, chances are you will pay an inspection fee and the repair fee. This can cost hundreds and sometimes thousands of dollars depending on the part that needs repair. With the home warranty in place, you will only be responsible for a service fee which is typically around $75 to $100.
The home warranty allows you to have peace of mind about your home and actually enjoy living in the state of Maine. Home warranty policies typically pay for themselves after just a few repairs or replacements.
FAQs About Maine Home Warranties
How much does a home warranty cost In Maine?
A home warranty in Maine costs between $35 and $75 a month. In addition, there are service fees that need to be paid if a system or appliance experiences a break. The pricing for Maine home warranties is about standard throughout the industry.
What is a service fee?
A service fee is a price that you pay each time a home warranty issue comes up. The service fees can range between $60 and $150.
Is a home inspection required before a home warranty purchase?
Home warranties do not require a home inspection, however, you may want to schedule one to verify the current condition of your home systems and appliances.
What is the best home warranty company in Maine?
The best home warranty company in Maine is Choice Home Warranty. The Choice Home Warranty plan allows customers a great combination of system and appliance coverage. The plans are well priced, come with impressive customer service, and will, without a doubt, keep your Maine home in excellent condition.
Is a home warranty worth it?
A home warranty is worth it because it provides both peace of mind and protection of your funds. Owning a home can be overwhelming, and when systems and appliances start to break down, you will go through quite a bit of money. The home warranty ensures that you are paying for service fees but keeping your savings account intact.
Today's Homeowner Home Warranty Ranking Methodology
At Today's Homeowner, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
To make the most of our research, we developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria.
