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Written By David Cusick
Last Updated June 2024
Being a homeowner in Charter Oak is a great option for those who enjoy nature and quiet neighborhoods. However, as great as Charter Oak is, homeownership always comes with its fair share of headaches, such as trying to finance your home repairs yourself. A home warranty can offer you the peace of mind you need and safeguard your bank account from unexpected expenses by covering your home’s major appliances and systems.
Finding the right warranty for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Charter Oak. Read on for our recommendations.
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 business for around 15 years, making it a highly regarded company in the industry. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
Read our Choice Home Warranty Review to learn more. To get a free quote from Choice Home Warranty, you can fill out this online form or call 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 business for around 11 years, making it a highly regarded company in the industry. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
Read our Select Home Warranty Review to learn more. To get a free quote from Select Home Warranty, you can fill out this online form or call 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 business for around 26 years, making it a highly regarded company in the industry. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the home warranty for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
Read our American Home Shield Review to learn more. To get a free quote from American Home Shield, you can fill out this online form or call 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 business for around 39 years, making it a highly regarded company in the industry. If you’re looking for very affordable and comprehensive appliance coverage, this is the home warranty for you. Plus, it 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. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are close to the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
Read our First American Home Warranty Review to learn more. To get a free quote from First American Home Warranty, you can fill out this online form or call 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 business for around 44 years, making it a highly regarded company in the industry. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the home warranty for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
Read our Cinch Home Services Review to learn more. To get a free quote from Cinch Home Services, you can fill out this online form or call 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 business for around 15 years, making it a highly regarded company in the industry. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the home warranty for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
Read our The Home Service Club Review to learn more. To get a free quote from The Home Service Club, you can fill out this online form or call 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 plan that helps lower expenses for Charter Oak homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that break due to normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid expensive emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and working appliances may not need a home warranty.
Home warranties safeguard your home systems and appliances. Common appliances covered under a home warranty include refrigerators, microwaves, garbage disposals, washers, dryers, dishwashers, and others. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranties also offer add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. It's important for Charter Oak homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Here are some essential home warranty words to learn before signing a contract:
There are several important factors to consider when choosing a home warranty provider:
Home warranties differ greatly in the items covered. Basic plans typically cover electrical, AC, plumbing, heating, and appliances, while more comprehensive plans may also cover spas, pools, well pumps, and roof leaks. Focus on companies with broad coverage options including upgraded plans. This flexibility enables you to customize protection for your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per service call made. The costs from multiple fees can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Good ratings and reviews indicate that a company is known for quality service.
Home warranty providers have networks of contractors that they use to tackle covered repairs. Bigger networks improve the chance of getting qualified contractors to your home quickly. Reach out to possible providers to find out how many contractors they have in Charter Oak. This helps you understand how long repairs might take in an urgent situation.
Some home warranty providers may include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These extras can provide extra value beyond repair coverage. Added bonuses allow you to enhance your home and get the most from your warranty policy.
Since temperatures in Charter Oak can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of having to vet contractors yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Plus, though home warranty companies vary, some providers will allow you to transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and maybe even help your home sell faster.
There are also some drawbacks to buying a home warranty plan, like the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Also, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements 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 plan 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 choosing a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty helps protect against normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of a situation such as a fire or natural disaster. Under homeowners insurance, you won't be able to file a claim should you need a new refrigerator or oven, unless the damage is due to a natural disaster, which is somewhat common in Charter Oak.
Homebuyers, home sellers, landlords, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
A home warranty plan can cover your systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Usually the homeowner pays for the home warranty. In some cases, though, the person who is selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Charter Oak is $790,752, a home warranty can be an added asset when buying a home.