Written By David Cusick
Last Updated April 2024
Winchester offers homeowners some great living options. However, unexpected repair and replacement costs on your home’s systems and appliances can get quite pricey. A home warranty is a way to protect your bank account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Choosing the best home warranty on the market can be difficult because of the numerous options available. If you're tired of trying to compare them all, keep reading for our guide to the top home warranty providers in Winchester.
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 Winchester. Liberty has been in business for over 6 years, making it a highly regarded company in the industry. The 3 home warranty plans that Liberty offers include options for appliance and system coverage. 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.
Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Liberty’s plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our Liberty Home Guard Review.
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 Winchester. Choice has been in business for over 15 years, making it a highly regarded company in the industry. The 2 home warranty plans that Choice offers include options for appliance and system coverage. 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.
Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage caps associated with Choice’s plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our Choice Home Warranty Review.
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 Winchester. Select has been in business for over 11 years, making it a highly regarded company in the industry. The 3 home warranty plans that Select offers include options for appliance and system coverage. 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.
Select Home Warranty has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Select’s plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our Select Home Warranty Review.
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 Winchester. AHS has been in business for over 26 years, making it a highly regarded company in the industry. The 3 home warranty plans that AHS offers include options for appliance and system coverage. 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.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with AHS’s plans are around the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our American Home Shield Review.
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 in Winchester. Cinch has been in business for over 44 years, making it a highly regarded company in the industry. The 3 home warranty plans that Cinch offers include options for appliance and system coverage. 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.
Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our Cinch Home Services Review.
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 Winchester. HSC has been in business for over 15 years, making it a highly regarded company in the industry. The 2 home warranty plans that HSC offers include options for appliance and system coverage. 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 Home Service Club has 2 plans that provide a combination of system and appliance coverage. The coverage caps associated with HSC’s plans are around the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our The Home Service Club Review.
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 | $6,182 |
Heating | $4,121 |
Electrical | $618 |
Toilets | $515 |
Washer/Dryer | $824 |
Plumbing | $618 |
Oven | $1,649 |
Fridge | $618 |
A home warranty is a protection plan that assists Winchester homeowners lower the high costs of household repairs. These plans provide financial protection to repair or replace appliances and systems that stop working from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for buyers of older houses or houses with fixtures near the end of their life span. However, people with newer homes and modern appliances might not need a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as dishwashers, washers, refrigerators, garbage disposals, microwaves, dryers, and more. Covered systems include electrical, heating, plumbing, and air conditioning. Many home warranty providers also offer additional coverage for central vacuums, roof leaks, locksmiths, and septic systems. Winchester homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only address 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. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Here are some essential home warranty words to understand before signing a contract:
There are several important considerations when choosing a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans include protection for plumbing, electrical, AC, heating, and appliances. More robust coverage options also cover other items such as spas, well pumps, pools, and roof leaks. Look for providers with an array of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with lower service fees to maximize savings. Some providers also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty company's track record provides insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate a provider known for stellar service.
Home warranty providers maintain networks of contractors to handle covered repairs. More extensive networks improve the likelihood of getting qualified technicians to swiftly service your home. Reach out to potential providers and ask how many contractors they have in Winchester to get a sense of how soon your repairs could happen in an emergency.
Home warranty companies sometimes offer extras such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These extras add value beyond repair coverage. Additional perks can maximize the usefulness of your home warranty.
Winchester’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.
Not only does a home warranty give you some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most. In addition, though home warranty companies vary, some providers will let you transfer your warranty in the event that you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
As for the disadvantages of home warranties, coverage varies by company, so it’s important to understand what each policy covers and excludes in the contract.
Another thing to take into consideration is that some providers don’t cover pre-existing issues and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about this if you need more information or if this is a problem for you.
A home warranty plan costs, on average, about $300 to $600 a year in Winchester. Our top-rated home warranty providers' 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. Additionally, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which might not be too much of a concern in Winchester. It doesn't cover a typical appliance or system breakage.
First-time homebuyers, homeowners, home sellers, real estate agents, and landlords can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in Winchester include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, including your washing machine, drier, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items listed in the contract.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, though, the one selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Winchester is $346,334, a home warranty can save you some money when buying a home.