Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Being a homeowner in Chelsea is an excellent option for those who enjoy nature and quiet neighborhoods. However, as great as Chelsea is, homeownership always comes with its fair share of difficulties, such as trying to finance your home repairs yourself. A home warranty in Chelsea can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
Finding the best home warranty on the market can be time-consuming, as there are lots of companies to decide between. That’s why the Today's Homeowner team did the research and compiled a list of the best home warranty companies in Chelsea for you.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
In Chelsea, Liberty Home Guard is the most trustworthy home warranty. Liberty has more than 6 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The 3 plans from Liberty are easy to comprehend and offer a mix of both system and appliance coverage. When you purchase a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that offer a mix of appliance and system coverage. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our full review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
In Chelsea, Choice Home Warranty is the best overall home warranty. Choice has more than 15 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The 2 plans from Choice are easy to comprehend and offer a mix of both system and appliance coverage. When you purchase a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our full review of Choice Home Warranty.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Chelsea, Select Home Warranty is the most cost-effective home warranty. Select has more than 11 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The 3 plans from Select are easy to comprehend and offer a mix of both system and appliance coverage. When you purchase a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our full review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In Chelsea, American Home Shield is the most customizable home warranty. AHS has more than 26 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The 3 plans from AHS are easy to comprehend and offer a mix of both system and appliance coverage. When you purchase a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our full review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Chelsea, First American Home Warranty is the best home warranty for appliance coverage. First American has more than 39 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The 2 plans from First American are easy to comprehend and offer a mix of both system and appliance coverage. When you purchase a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. Service fees from First American are a reasonable $85. The coverage caps are also about $1,500.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our full review of First American Home Warranty.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Chelsea, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has more than 44 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The 3 plans from Cinch are easy to comprehend and offer a mix of both system and appliance coverage. When you purchase a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our full review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
In Chelsea, The Home Service Club is the best home warranty with the quickest service. HSC has more than 15 years of experience in the industry and in that time has built a an expansive network of service professionals in the country. The 2 plans from HSC are easy to comprehend and offer a mix of both system and appliance coverage. When you purchase a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that offer a mix of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our full review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,247 |
| Heating | $4,165 |
| Electrical | $625 |
| Toilets | $521 |
| Washer/Dryer | $833 |
| Plumbing | $625 |
| Oven | $1,666 |
| Fridge | $625 |
A home warranty is a protection policy that assists Chelsea homeowners in lowering the costs of appliance and system repairs. The plans provide coverage to replace or repair appliances and systems that malfunction due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty policy gives homeowners a sense of security and can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are dryers, dishwashers, washers, refrigerators, garbage disposals, microwaves, and more. Covered systems are typically heating, air conditioning, electrical, and plumbing. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Chelsea homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Here are some essential home warranty words to know before signing a contract:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty plans can have major differences in covered items. Most plans provide protection for electrical, AC, plumbing, heating, and appliances. More robust plans also include coverage for other items such as pools, roof leaks, spas, and well pumps. Look for providers with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with lower service fees to maximize savings. Some companies also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Look at review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about companies. Favorable feedback and ratings suggest a company known for delivering quality service.
Home warranty providers maintain networks of technicians to handle covered repairs. Bigger networks improve the probability of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Chelsea to get a sense of how quickly your repairs could be handled in an emergency.
Home warranty companies might offer bonuses such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These extras add value beyond repair coverage. Additional perks can maximize the usefulness of your home warranty.
Chelsea’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.
Not only can a home warranty provide some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most. Another added benefit of having home warranty coverage is that it can increase your home’s real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you have your home warranty with.
One main drawback of home warranties is not every home system and appliance may be covered. It’s important to research the different plans and opt for one that covers all the appliances, systems, and add-ons you need.
Plus, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Chelsea can cost anywhere from $30 to $60 a month. Higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in case of something such as a fire or natural disaster. With a homeowners insurance plan, you won't be able to file a claim should you need a new refrigerator or dishwasher, unless the damage is a result of a natural disaster, which is somewhat common in Chelsea.
A home warranty policy can help home sellers, real estate agents, investors, homeowners, and homebuyers. It can offer peace of mind and savings to anyone involved with homeownership.
A home warranty plan will cover your home’s systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Home warranty plans usually last a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Typically, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who will pay the service fees. In Chelsea, where the median home value is $375,223, having the seller pay for the home warranty can be a good asset for your new home.
