Written By David Cusick
Last Updated February 2024
Being a homeowner in Charter Oak is a great option for those who love nature and quiet neighborhoods. However, as great as Charter Oak is, homeownership always comes with its fair share of headaches, such as trying to deal with your home repairs yourself. A home warranty plan can help protect homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be overwhelming, as there are dozens of companies to choose from. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Charter Oak for you.
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 Charter Oak, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty business for over 15 years. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for homeowners to choose from.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered system or appliance.
Read our full review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 Charter Oak, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty business for over 11 years. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for homeowners to choose from.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 for each covered system or appliance.
Read our full review of Select Home Warranty to learn more. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
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 Charter Oak, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty business for over 26 years. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for homeowners to choose from.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered system or appliance.
Read our full review of American Home Shield to learn more. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
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 Charter Oak, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty business for over 39 years. First American offers very affordable and comprehensive appliance coverage. Plus, it 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 has 2 plans for homeowners to choose from.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage limits come out to about $1,500 for each covered system or appliance.
Read our full review of First American Home Warranty to learn more. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 Charter Oak, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for over 44 years. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 plans for homeowners to choose from.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 for each covered system or appliance.
Read our full review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
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 Charter Oak, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty business for over 15 years. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 plans for homeowners to choose from.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 for each covered system or appliance.
Read our full review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
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 | $7,187 |
Heating | $4,791 |
Electrical | $719 |
Toilets | $599 |
Washer/Dryer | $958 |
Plumbing | $719 |
Oven | $1,916 |
Fridge | $719 |
A home warranty is a protection policy that assists Charter Oak homeowners reduce the costs of appliance and system repairs. The plans provide financial coverage to repair or swap out appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are microwaves, garbage disposals, dryers, refrigerators, washers, dishwashers, and more. Covered systems are typically heating, plumbing, electrical, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. It's important for Charter Oak homeowners to know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, natural disasters, pre-existing conditions, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by the policy.
There are several home warranty terms to understand before signing an agreement, including:
There are several important factors to consider when choosing a home warranty provider:
Home warranty coverage varies, although most plans provide coverage for AC, heating, electrical, plumbing, and appliances. More inclusive plans may also include additional items such as well pumps, spas, roof leaks, and pools. Look for a provider that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out companies advertising lower service fees to optimize savings on each repair claim. Certain companies may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and reviews indicate that a company is known for quality service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. Larger networks raise the probability of getting qualified contractors to your home promptly. Reach out to possible providers to find out how many repair professionals they have in Charter Oak. This helps you understand how long repairs could take in an urgent situation.
Some home warranty providers may include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These extras can provide extra value beyond repair coverage. Extra bonuses allow you to enhance your home and get the most from your warranty policy.
Home warranty plans are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Charter Oak hitting an average high of 71℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can considerably lower out-of-pocket expenses should your HVAC system stop working.
A home warranty also saves you time and energy. Instead of spending hours researching and choosing a contractor to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Another added benefit of having a home warranty plan is that it can increase your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
As for the negatives of home warranties, coverage varies by company, so it’s important to understand what each plan covers and doesn’t include in the contract.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, about $300 to $600 a year in Charter Oak. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects the entire home from natural disasters, which can sometimes be a concern in Charter Oak. It doesn't cover a typical appliance or system breakage.
A home warranty plan can help home sellers, real estate agents, homebuyers, homeowners, and investors. It can provide peace of mind to anyone involved in homeownership.
The different types of home warranties in Charter Oak include plans that cover either appliances or systems as well as combination plans. A combination plan will cover almost all your systems and appliances, including your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items mentioned in the policy.
Home warranty plans generally offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Charter Oak is $790,752, a home warranty can save you some money when buying a home.