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Last Updated: February 25, 2025
Being a homeowner in Harvard is a great option for those who love nature and quiet neighborhoods. However, as great as Harvard is, homeownership always comes with its fair share of difficulties, such as trying to deal with your home repairs yourself. A home warranty plan can help protect you by covering major repairs and replacements on your home’s most important appliances and systems.
Choosing the best home warranty on the market can be a challenge because of the sheer number of options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide to the best home warranty companies in Harvard.
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 Harvard, Liberty Home Guard is the most trustworthy home warranty. Liberty has been in the home warranty business for about 6 years. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the plan for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and offer a mix of both system and appliance coverage.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Harvard area.
To receive 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
In Harvard, Choice Home Warranty is the best overall home warranty. Choice has been in the home warranty business for about 15 years. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and offer a mix of both system and appliance coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Harvard area.
To receive 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
In Harvard, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty business for about 11 years. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the plan for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and offer a mix of both system and appliance coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Harvard area.
To receive 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
In Harvard, American Home Shield is the most customizable home warranty. AHS has been in the home warranty business for about 26 years. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and offer a mix of both system and appliance coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Harvard area.
To receive 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
In Harvard, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for about 44 years. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and offer a mix of both system and appliance coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Harvard area.
To receive 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
In Harvard, The Home Service Club is the best home warranty with the quickest service. HSC has been in the home warranty business for about 15 years. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the plan for you. Plus, it 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 HSC are easily comprehensible and offer a mix of both system and appliance coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Harvard area.
To receive 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 | $5,975 |
| Heating | $3,983 |
| Electrical | $597 |
| Toilets | $498 |
| Washer/Dryer | $797 |
| Plumbing | $597 |
| Oven | $1,593 |
| Fridge | $597 |
A home warranty is a protection policy that helps Harvard homeowners cut the high costs of household repairs. These plans offer financial coverage to repair or replace 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 provider then finds a contractor to make the fix 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 provides security for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with aging systems. More modern homes with functional appliances probably don’t need a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as dishwashers, washers, garbage disposals, refrigerators, microwaves, dryers, and others. Covered systems include air conditioning, plumbing, electrical, and heating. Many home warranty companies also offer add-on coverage for roof leaks, central vacuums, septic systems, and locksmiths. Harvard homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
When selecting a home warranty provider, there are several important factors to consider:
Home warranties differ greatly in the items covered. Basic plans typically provide protection for heating, AC, plumbing, electrical, and appliances, while more comprehensive plans may also cover pools, well pumps, roof leaks, and spas. Focus on companies with broad coverage options including upgraded plans. This flexibility enables you to customize protection for your home's needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per claim you submit. These per-claim charges can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty provider's reputation gives insight into things such as repair timeliness, approval rates, contractor quality, and customer satisfaction. Check review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Positive ratings and feedback indicate a company known for great service.
Home warranty companies keep networks of local technicians to handle repairs in your area. Contact potential providers to find out how many repair professionals they have in Harvard and get an idea for how quickly your repairs could take place in an emergency situation. Wider networks improve the probability of getting qualified contractors to promptly service your home.
Some home warranty providers may include perks such as smart home device coverage, energy efficiency upgrades, and reduced maintenance fees. These extras can offer extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your home warranty.
Harvard’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the repairs, preventing you from spending a lot of money out of pocket.
A home warranty also saves you time and energy. Instead of spending hours finding and choosing a repair person to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Additionally, having a home warranty can make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you’ve been receiving.
Home warranties also have some cons. Though it can save you time when the home warranty sends out a repair technician who does the repair for you, some may not like this, and they would rather select a contractor themselves. If that’s important to you, some home warranty providers let you choose a contractor.
Another possible pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Harvard can cost between $30 and $60 a month. The higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some providers will also decrease 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 plan protects against normal wear and tear to home systems and appliances. Homeowners insurance protects the entire home in case of something 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 stove, unless the damage is due to a natural disaster, which isn't that common in Harvard.
A home warranty plan can help home sellers, real estate agents, investors, homebuyers, and homeowners. It can provide peace of mind to anyone involved with homeownership.
The different home warranties in Harvard include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your home systems and appliances, such as your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items mentioned in the policy.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Usually the one who owns the home pays for the home warranty. In some cases, though, the person who is selling the home may purchase a home warranty plan 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 Harvard is $233,467, a home warranty can save you some money when buying a home.
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