Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Hamden comes with quite a few benefits, but it also comes with its challenges. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty in Hamden 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.
The home warranty market has a variety of providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Hamden.
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 for Hamden residents. Liberty has been in business for over 6 years, making it a respected company in the industry. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. When you purchase a policy 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered appliance or system.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our Liberty Home Guard full review to learn more.
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 for Hamden residents. Choice has been in business for over 15 years, making it a respected company in the industry. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. When you purchase a policy 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered appliance or system.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our Choice Home Warranty full review to learn more.
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 for Hamden residents. Select has been in business for over 11 years, making it a respected company in the industry. Select has 3 simple plans, making the selection process and policy coverage easily understandable. When you purchase a policy 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.
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 caps come out to around $2,000 per covered appliance or system.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our Select Home Warranty full review to learn more.
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 for Hamden residents. AHS has been in business for over 26 years, making it a respected company in the industry. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. When you purchase a policy 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.
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 caps come out to around $2,500 per covered appliance or system.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our American Home Shield full review to learn more.
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
Cinch Home Services is the home warranty with the best workmanship guarantee for Hamden residents. Cinch has been in business for over 44 years, making it a respected company in the industry. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. When you purchase a policy 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.
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 caps come out to around $1,000-$2,000 per covered appliance or system.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our Cinch Home Services full review to learn more.
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 for Hamden residents. HSC has been in business for over 15 years, making it a respected company in the industry. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. When you purchase a policy 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 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 caps come out to around $2,000 per covered appliance or system.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our The Home Service Club full review to learn more.
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 | $6,941 |
| Heating | $4,627 |
| Electrical | $694 |
| Toilets | $578 |
| Washer/Dryer | $925 |
| Plumbing | $694 |
| Oven | $1,851 |
| Fridge | $694 |
A home warranty is a protection plan that helps Hamden homeowners in lowering the costs of appliance and system repairs. The plans provide coverage to replace or repair appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners a sense of security and can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties cover your household systems and appliances. Common covered appliances are refrigerators, dishwashers, washers, dryers, garbage disposals, microwaves, and others. Protected systems include electrical, heating, air conditioning, and plumbing. Various home warranty plans offer extra coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Most home warranty plans require Hamden homeowners to refrain from making claims for 30 days before the plan will cover repairs. Moreover, policies usually only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should know key terms like:
There are several key considerations when choosing a home warranty provider:
Home warranty coverage varies, although most plans cover plumbing, electrical, heating, AC, and appliances. More comprehensive options may also provide protection for extra things such as pools, roof leaks, spas, and well pumps. Look for companies with an array of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's rating gives you insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Favorable reviews and ratings indicate a company known for stellar service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Reach out to potential companies to learn the number of repair professionals they have in Hamden and get an idea of how fast your repairs could be handled in an emergency. Bigger networks improve the probability of getting qualified contractors to promptly service your home.
Certain home warranty providers include extras such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These can offer extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Since temperatures in Hamden can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty plan can help homeowners save money if one of these systems or appliances stops working unexpectedly.
In addition, having a home warranty can save you some time by eliminating the need to research repair people — most companies will send a trusted professional right to your door to do the repair or replacement. Plus, having a home warranty can make your house more attractive to potential homebuyers if you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the protection you’ve been benefiting from.
There are also some drawbacks to getting a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty.
Also, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Hamden can cost between $30 and $60 a month. Higher-priced plans tend to have broader coverage, higher coverage limits, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some providers will also lower 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 types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of something such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim should you need a new dryer or stove, unless the damage is due to a natural disaster, which is somewhat common in Hamden.
A home warranty can help home sellers, homeowners, investors, real estate agents, and homebuyers. It can provide peace of mind to anyone involved in homeownership.
A home warranty plan can cover your home’s systems, appliances, or both. Combination plans are great if you'd like 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 typically provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Usually, the homeowner is the one who pays the premium and service fees. However, if you have just bought 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 when using the policy. In Hamden, where the median value of a home is $309,813, having the seller pay for the home warranty can be a good asset for your new home.
