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Last Updated: February 25, 2025
Although homeownership in Greenwich has many advantages — such as the convenience of city life — there are also not so glamorous sides. One major headache many homeowners have to deal with eventually is replacing or repairing their home systems and appliances. A home warranty in Greenwich can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Finding the best warranty for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Greenwich. Read on for our home warranty recommendations.
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 Greenwich, Liberty Home Guard is the most trustworthy home warranty. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 per covered system or appliance.
For a more detailed breakdown, read our Liberty Home Guard full review. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 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
In Greenwich, Choice Home Warranty is the best overall home warranty. 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. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered system or appliance.
For a more detailed breakdown, read our Choice Home Warranty full review. To receive 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 Greenwich, Select Home Warranty is the most cost-effective home warranty. 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. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
The plans that Select offers to homeowners 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 around $2,000 per covered system or appliance.
For a more detailed breakdown, read our Select Home Warranty full review. To receive 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 Greenwich, American Home Shield is the most customizable home warranty. 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. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 per covered system or appliance.
For a more detailed breakdown, read our American Home Shield full review. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Greenwich, Cinch Home Services is the home warranty with the best workmanship guarantee. 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. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
The plans that Cinch offers to homeowners 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 around $1,000-$2,000 per covered system or appliance.
For a more detailed breakdown, read our Cinch Home Services full review. To receive 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 Greenwich, The Home Service Club is the best home warranty with the quickest service. 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. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options.
The plans that HSC offers to homeowners 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 around $2,000 per covered system or appliance.
For a more detailed breakdown, read our The Home Service Club full review. To receive 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 | $7,670 |
| Heating | $5,113 |
| Electrical | $767 |
| Toilets | $639 |
| Washer/Dryer | $1,023 |
| Plumbing | $767 |
| Oven | $2,045 |
| Fridge | $767 |
A home warranty is a protection policy that helps cut costs for Greenwich homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that stop working 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 repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is particularly helpful for buyers of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and modern appliances may not need a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are washers, refrigerators, dryers, garbage disposals, microwaves, dishwashers, and more. Covered systems are usually heating, plumbing, electrical, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. It's important for Greenwich 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 natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
Here are some key home warranty terms to know before signing a contract:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty plans can have major differences in covered items. Most plans provide protection for AC, plumbing, electrical, heating, and appliances. More inclusive options also extend protection to other items such as roof leaks, pools, spas, and well pumps. Look for a company that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles if homeowners don't submit any claims within a set period of time.
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 the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Good ratings and reviews indicate that a provider is known for quality service.
Home warranty businesses keep networks of local contractors to handle repairs in your area. Contact potential providers to find out how many repair technicians they have in Greenwich and get an idea for how fast your repairs could take place in an emergency situation. Larger networks increase the chances of getting qualified contractors to promptly service your home.
Certain home warranty providers include perks such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These can provide extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Greenwich’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems in the event 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 repairs, saving you from spending a lot of money out of pocket.
Not to mention, having a home warranty can save you some time by eliminating the need to research contractors — most providers will send a trusted professional right to your door to do the repair or replacement. In addition, though home warranty companies vary, some providers will let you 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.
One of the major drawbacks of a home warranty is not everything may be covered. It’s important to research the different plans and purchase one that covers all the appliances, systems, and add-ons you need.
Another possible pain point of home warranties is that they don’t cover items that haven’t been properly maintained. This can lead to your claims being rejected, 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, around $300 to $600 a year in Greenwich. Our top-rated home warranty companies' 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. In addition, 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 warranties cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different insurance that protects the entire home from natural disasters, which can sometimes be a concern in Greenwich. It doesn't cover a typical appliance or system breakage.
Homebuyers, landlords, homeowners, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different home warranties in Greenwich include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover almost all your home systems and appliances, such as your washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the plan.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
Usually, 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 transferred to the new homeowner, who will pay the service fees. In Greenwich, where the median value of a home is $1,911,059, having the seller pay for the home warranty can save you some money on your new home.
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