Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated June 2024
Derby gives homeowners some great housing options and the opportunity to enjoy all four seasons. However, temperatures can do a number on your home’s systems, such as your HVAC. A home warranty is a way to protect your savings from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Finding the best home warranty on the market can be time-consuming, since there are dozens of companies to decide between. That’s why our team at Today's Homeowner did the research and compiled a list of the top home warranty companies in Derby 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
Liberty Home Guard is the most trustworthy home warranty in Derby. Liberty is a home warranty provider with 6 years of experience in the industry, and it has become one of the best providers in the business. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Derby area.
Read our Liberty Home Guard full review to learn more. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
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
Choice Home Warranty is the best overall home warranty in Derby. Choice is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are comprehensive and offer both system and appliance coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Derby area.
Read our Choice Home Warranty full review 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
Select Home Warranty is the most cost-effective home warranty in Derby. Select is a home warranty provider with 11 years of experience in the industry, and it has become one of the best providers in the business. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are comprehensive and offer both system and appliance coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Derby area.
Read our Select Home Warranty full review 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
American Home Shield is the most customizable home warranty in Derby. AHS is a home warranty provider with 26 years of experience in the industry, and it has become one of the best providers in the business. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and offer both system and appliance coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Derby area.
Read our American Home Shield full review 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
First American Home Warranty is the best home warranty for appliance coverage in Derby. First American is a home warranty provider with 39 years of experience in the industry, and it has become one of the best providers in the business. First American has established itself as a company with very affordable and comprehensive appliance coverage. 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. The 2 plans from First American are comprehensive and offer both system and appliance coverage.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is lower than other providers in the Derby area.
Read our First American Home Warranty full review 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Derby. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Derby area.
Read our Cinch Home Services full review 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
The Home Service Club is the best home warranty with the quickest service in Derby. HSC is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are comprehensive and offer both system and appliance coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Derby area.
Read our The Home Service Club full review 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 | $6,423 |
| Heating | $4,282 |
| Electrical | $642 |
| Toilets | $535 |
| Washer/Dryer | $856 |
| Plumbing | $642 |
| Oven | $1,713 |
| Fridge | $642 |
A home warranty is a protection plan that helps Derby homeowners cut the costs of appliance and system repairs. The plans offer coverage to fix or replace appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent costly emergency repairs. Home warranties are particularly useful for owners of older homes or homes with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties cover many household systems and appliances. Covered appliances typically include refrigerators, garbage disposals, microwaves, washers, dryers, dishwashers, and others. Covered systems include plumbing, heating, air conditioning, and electrical. Many home warranty providers also offer add-on coverage for locksmiths, septic systems, central vacuums, and roof leaks. Derby homeowners should know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like pre-existing conditions, cosmetic issues, natural disasters, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies, although most plans provide coverage for electrical, heating, plumbing, AC, and appliances. More inclusive plans may also cover other things such as spas, well pumps, roof leaks, and pools. Look for companies with varied coverage options, including upgraded plans. This allows you to tailor protection to your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per repair request filed. The costs from multiple fees can add up. You may decide to look for providers with lower service 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 provider's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. More extensive networks improve the likelihood of getting skilled contractors to your home quickly. Reach out to possible providers to find out how many technicians they have in Derby to understand how long repairs could take in an urgent situation.
Certain home warranty providers include perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These bonuses can provide extra value beyond repair coverage. Added perks help improve your home and help maximize your home warranty.
Temperatures in Derby can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a decent amount of use. As a homeowner in Derby, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
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 contractor and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. Plus, having a home warranty can make your house more appealing to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the same protection you’ve been benefiting from.
There are also some downsides to purchasing a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty.
Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They most likely won’t cover systems or appliances that need repairs or replacements due to natural disasters, improper maintenance, animal infestations, etc.
A home warranty in Derby can cost anywhere from $30 to $60 a month. The higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also decrease 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 covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in a situation such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which can be a threat in Derby.
Homebuyers, homeowners, landlords, home sellers, and real estate agents are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different home warranties in Derby include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your home systems and appliances, including your dishwasher, washing machine, and HVAC. An appliance or system plan will cover only the specific items mentioned in the plan.
Home warranty plans usually provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Derby is $379,726, a home warranty can be an added asset when buying a home.
