Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home in New Castle has many great benefits, but there are some downsides. The weather throughout the four seasons can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty can help protect homeowners by cutting the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the best warranty for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in New Castle. Read on for our recommendations.
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 offers the most trustworthy home warranty for New Castle residents. Liberty has been in business for about 6 years, making it a well-regarded company in the industry. 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 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our review of Liberty Home Guard 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 offers the best overall home warranty for New Castle residents. Choice has been in business for about 15 years, making it a well-regarded company in the industry. 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 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our review of Choice Home Warranty 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 offers the most cost-effective home warranty for New Castle residents. Select has been in business for about 11 years, making it a well-regarded company in the industry. 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 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our review of Select Home Warranty 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 offers the most customizable home warranty for New Castle residents. AHS has been in business for about 26 years, making it a well-regarded company in the industry. 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 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage for New Castle residents. First American has been in business for about 39 years, making it a well-regarded company in the industry. When you purchase a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The 2 policies that First American offers include differing levels of system and appliance coverage, as well as add-on options.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also about $1,500.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our review of First American Home Warranty to learn more.
Basic Plan
Premier Plan
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 offers the home warranty with the best workmanship guarantee for New Castle residents. Cinch has been in business for about 44 years, making it a well-regarded company in the industry. 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 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our review of Cinch Home Services 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 offers the best home warranty with the quickest service for New Castle residents. HSC has been in business for about 15 years, making it a well-regarded company in the industry. 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 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our review of The Home Service Club 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 | $5,658 |
| Heating | $3,772 |
| Electrical | $566 |
| Toilets | $472 |
| Washer/Dryer | $754 |
| Plumbing | $566 |
| Oven | $1,509 |
| Fridge | $566 |
A home warranty is a protection plan that assists New Castle homeowners lower the costs of appliance and system repairs. The plans provide coverage to fix or replace 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 repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty plan gives homeowners peace of mind because it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties protect your household systems and appliances. Common covered appliances are microwaves, refrigerators, washers, dishwashers, dryers, garbage disposals, and others. Covered systems include heating, air conditioning, electrical, and plumbing. Many home warranty plans offer add-on coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Most home warranty plans require New Castle homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty words to know before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty policies vary widely in what they include. Most plans provide protection for heating, electrical, AC, plumbing, and appliances. More inclusive options also include coverage for other items such as spas, pools, well pumps, and roof leaks. Look for a provider that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out providers advertising lower service 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 reputation gives insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Use review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a company known for great service.
Home warranty providers keep networks of professionals to handle covered repairs. Bigger networks improve the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in New Castle to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty companies offer extras such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These perks add value beyond just repair coverage. Extra bonuses help maximize the usefulness of your home warranty.
Home warranty plans are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in New Castle hitting an average high of 60℃F, you may find that certain appliances, like your A.C., get a lot of use. A home warranty can considerably decrease out-of-pocket expenses should your HVAC system break down.
On top of 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 come with a network of pre-vetted technicians who can handle any repair problems you may have. Another good thing about having a home warranty is while selling your home, some providers let you transfer your home warranty plan to the new owners. It can make your house more attractive to potential homebuyers and help your house sell faster.
There are also some drawbacks to buying a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that are already covered under a manufacturer's warranty.
Another stipulation is that home warranties usually only cover damage from normal wear and tear. They most likely won’t cover home systems or appliances that need repairs or replacements due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty in New Castle can cost anywhere from $30 to $60 a month. The higher-priced plans tend to 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 helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in a situation such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new refrigerator or stove, unless the damage is due to a natural disaster, which is somewhat common in New Castle.
A home warranty policy can help investors, home sellers, homebuyers, homeowners, and real estate agents. It can offer peace of mind and savings to anyone involved with homeownership.
The different types of home warranties in New Castle include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your home systems and appliances, including your dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the items mentioned in the plan.
Home warranty plans typically offer 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 responsible for paying for the home warranty. In some cases, however, the one selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in New Castle is $139,079, a home warranty can save you some money when buying a home.
