Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
There are a lot of perks of owning a home, but as your Ridgefield home ages, you may have to update or repair your appliances and systems. A home warranty can help protect you by cutting the costs of major repairs and replacements on your home’s most important systems and appliances.
The home warranty market is saturated with many providers — all with different price points — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Ridgefield.
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 Ridgefield, Liberty Home Guard offers the most trustworthy home warranty. The 3 plans that Liberty offers include options for appliance and system coverage. When you buy 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 about $3,000 per covered appliance or system.
Read our comprehensive review of Liberty Home Guard to learn more. To receive a free quote from Liberty Home Guard, 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 Ridgefield, Choice Home Warranty offers the best overall home warranty. The 2 plans that Choice offers include options for appliance and system coverage. When you buy 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 about $3,000 per covered appliance or system.
Read our comprehensive review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, 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 Ridgefield, Select Home Warranty offers the most cost-effective home warranty. The 3 plans that Select offers include options for appliance and system coverage. When you buy 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 about $2,000 per covered appliance or system.
Read our comprehensive review of Select Home Warranty to learn more. To receive a free quote from Select Home Warranty, 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 Ridgefield, American Home Shield offers the most customizable home warranty. The 3 plans that AHS offers include options for appliance and system coverage. When you buy 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 about $2,500 per covered appliance or system.
Read our comprehensive review of American Home Shield to learn more. To receive a free quote from American Home Shield, 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 Ridgefield, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 plans that Cinch offers include options for appliance and system coverage. When you buy 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 about $1,000-$2,000 per covered appliance or system.
Read our comprehensive review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, 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 Ridgefield, The Home Service Club offers the best home warranty with the quickest service. The 2 plans that HSC offers include options for appliance and system coverage. When you buy 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 about $2,000 per covered appliance or system.
Read our comprehensive review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, 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 | $7,556 |
| Heating | $5,037 |
| Electrical | $756 |
| Toilets | $630 |
| Washer/Dryer | $1,007 |
| Plumbing | $756 |
| Oven | $2,015 |
| Fridge | $756 |
A home warranty is a protection plan that helps Ridgefield homeowners reduce the high costs of household repairs. These plans provide financial coverage to repair or swap out appliances and systems that break down from normal wear and tear.
Homeowners submit 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 go over the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent expensive emergency repairs. Home warranties are especially useful for older houses or those with aging systems. New homes with up-to-date appliances may not need a home warranty.
Home warranties protect your home's systems and appliances. Typical covered appliances include dishwashers, garbage disposals, refrigerators, dryers, microwaves, washers, and others. Covered systems include air conditioning, heating, plumbing, and electrical. Many home warranty plans offer extra coverage for central vacuums, roof leaks, septic systems, and even locksmiths. Ridgefield should understand that most home warranty plans have a waiting period of 30 days before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty policies differ significantly in terms of coverage. Most plans provide protection for plumbing, heating, AC, electrical, and appliances. More robust plans also offer protection for other items such as well pumps, pools, roof leaks, and spas. Look for companies with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your home’s 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 provider with lower service fees to maximize savings on every claim. Some companies also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation provides insight into things such as contractor quality, repair timeliness, approval rates, and customer service. Use review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Positive ratings and feedback indicate a company known for great service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Contact potential companies to learn the number of repair specialists they have in Ridgefield and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks raise the chance of getting qualified contractors to quickly service your home.
Some home warranty providers provide extras such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These add value beyond just repair coverage. Added bonuses can maximize the usefulness of your home warranty.
Home warranty plans are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Ridgefield reaching an average high of 58℃F, you may find that certain appliances, such as your air conditioner, get a lot of use. A home warranty can considerably decrease out-of-pocket costs should your HVAC system stop working.
In addition to saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair problems you may come across. Another benefit of having a home warranty is when you’re selling your home, some providers let you transfer your home warranty plan to the new owners. It can make your home more attractive to potential homebuyers and may help your house sell faster.
As for the negatives of home warranties, coverage varies by company, so it’s important to understand what each plan covers and excludes in the contract.
Additionally, if you don’t maintain your home systems or appliances properly, or if they were damaged 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 in Ridgefield can cost between $30 and $60 a month. Higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also lower your up-front costs when you opt for 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 covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Ridgefield.
First-time homebuyers, homeowners, home sellers, real estate agents, and landlords are all eligible for 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 kinds of home warranties in Ridgefield include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your home systems and appliances, such as your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the specific items mentioned in the policy.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Usually the homeowner pays for the home warranty. In some cases, however, the one selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Ridgefield is $842,733, a home warranty can save you some money when buying a home.
