Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated May 2024
Homeownership in Ledyard can be exciting for many, but it also comes with its fair share of challenges. Updating your home’s appliances and systems can be an unanticipated financial burden for many homeowners. A home warranty can give you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major systems and appliances.
The home warranty market is saturated with a variety of providers — all with different offerings — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Ledyard.
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 Ledyard residents. Liberty is a home warranty company with 6 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Liberty are easy to understand and offer a mix of both system and appliance coverage. 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.
Liberty Home Guard offers 3 plans for Ledyard homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage limits come out to about $3,000 per covered system or appliance.
To read more, visit our comprehensive review of Liberty Home Guard. To get 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 for Ledyard residents. Choice is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 plans from Choice are easy to understand and offer a mix of both system and appliance coverage. 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.
Choice Home Warranty offers 2 plans for Ledyard homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered system or appliance.
To read more, visit our comprehensive review of Choice Home Warranty. To get 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 for Ledyard residents. Select is a home warranty company with 11 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Select are easy to understand and offer a mix of both system and appliance coverage. 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.
Select Home Warranty offers 3 plans for Ledyard homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 per covered system or appliance.
To read more, visit our comprehensive review of Select Home Warranty. To get 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 for Ledyard residents. AHS is a home warranty company with 26 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from AHS are easy to understand and offer a mix of both system and appliance coverage. 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.
American Home Shield offers 3 plans for Ledyard homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered system or appliance.
To read more, visit our comprehensive review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or give them a call at 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Ledyard residents. Cinch is a home warranty company with 44 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Cinch are easy to understand and offer a mix of both system and appliance coverage. 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.
Cinch Home Services offers 3 plans for Ledyard homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 per covered system or appliance.
To read more, visit our comprehensive review of Cinch Home Services. To get 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 for Ledyard residents. HSC is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 plans from HSC are easy to understand and offer a mix of both system and appliance coverage. 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 Home Service Club offers 2 plans for Ledyard homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 per covered system or appliance.
To read more, visit our comprehensive review of The Home Service Club. To get 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 | $6,555 |
| Heating | $4,370 |
| Electrical | $655 |
| Toilets | $546 |
| Washer/Dryer | $874 |
| Plumbing | $655 |
| Oven | $1,748 |
| Fridge | $655 |
A home warranty is a protection policy that helps Ledyard homeowners lower the expenses of appliance and system repairs. The plans provide financial coverage to repair or replace 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 finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners peace of mind and can help avoid costly emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties cover many household systems and appliances. Warranties usually cover appliances such as dryers, refrigerators, microwaves, dishwashers, washers, garbage disposals, and others. Covered systems include air conditioning, electrical, plumbing, and heating. Many home warranty providers also offer add-on coverage for central vacuums, septic systems, roof leaks, and locksmiths. Most home warranty plans require Ledyard homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Additionally, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
There are multiple home warranty terms to know before signing an agreement, including:
There are several important considerations when choosing a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic plans typically include plumbing, AC, heating, electrical, and appliances, while more comprehensive options may also cover pools, well pumps, spas, and roof leaks. Focus on companies with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a company with lower service fees to maximize savings. Some companies also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's reputation can give you insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Browse review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Contact potential companies to learn the number of repair professionals they have in Ledyard and get an idea of how fast your repairs could be handled in an emergency. Wider networks increase the likelihood of getting qualified contractors to promptly service your home.
Certain home warranty companies provide extras such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These offer extra value beyond repair coverage. Extra perks can enhance your home and help maximize your home warranty.
Temperatures in Ledyard can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a good bit of use. As a homeowner in Ledyard, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
A home warranty also can also save you time and energy. Instead of spending hours researching and choosing a technician 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. A home warranty can also have value in other ways. For instance, some plans can be transferred between owners when you sell your home.
There are also some downsides to getting a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Another downside is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty in Ledyard can cost anywhere from $30 to $60 a month. Higher-priced plans typically have higher coverage limits, a lower service fee, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects your entire home from natural disasters, which might not be too much of a concern in Ledyard. It doesn't cover a normal appliance or system repairs.
A home warranty can help homeowners, investors, real estate agents, homebuyers, and home sellers. It can offer peace of mind and savings to anyone involved with homeownership.
A home warranty policy will cover your appliances, systems, 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 lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Generally, the homeowner is the one who is responsible for paying 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 Ledyard, where the median value of a home is $344,545, having the seller pay for the home warranty can be a good asset for your new home.
