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Last Updated: February 25, 2025
Spencer gives homeowners some great living options and the opportunity to enjoy the snow in the winter. However, freezing temperatures can do a number on your home’s systems, such as your HVAC. A home warranty is a way to protect your bank account from unexpected 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 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 on the best home warranty companies in Spencer.
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 Spencer. When you purchase a home warranty 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 are comprehensive and offer both system and appliance coverage.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000.
Read more by visiting our review of Liberty Home Guard. To get 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
Choice Home Warranty is the best overall home warranty in Spencer. When you purchase a home warranty 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 are comprehensive and offer both system and appliance coverage.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
Read more by visiting our review of Choice Home Warranty. To get 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
Select Home Warranty is the most cost-effective home warranty in Spencer. When you purchase a home warranty 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 are comprehensive and offer both system and appliance coverage.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000.
Read more by visiting our review of Select Home Warranty. To get 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
American Home Shield is the most customizable home warranty in Spencer. When you purchase a home warranty 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 AHS are comprehensive and offer both system and appliance coverage.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500.
Read more by visiting our review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 is the best home warranty for appliance coverage in Spencer. When you purchase a home warranty 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 plans from First American are comprehensive and offer both system and appliance coverage.
First American Home Warranty has 2 plans that offer a combination of appliance and system coverage. Service fees from First American are a reasonable $85. The coverage caps are also about $1,500.
Read more by visiting our review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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 is the home warranty with the best workmanship guarantee in Spencer. When you purchase a home warranty 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 are comprehensive and offer both system and appliance coverage.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000.
Read more by visiting our review of Cinch Home Services. To get 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
The Home Service Club is the best home warranty with the quickest service in Spencer. When you purchase a home warranty 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 HSC are comprehensive and offer both system and appliance coverage.
The Home Service Club has 2 plans that offer a combination of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000.
Read more by visiting our review of The Home Service Club. To get 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 | $5,745 |
| Heating | $3,830 |
| Electrical | $574 |
| Toilets | $479 |
| Washer/Dryer | $766 |
| Plumbing | $574 |
| Oven | $1,532 |
| Fridge | $574 |
A home warranty is a protection policy that helps Spencer homeowners in lowering the expenses of appliance and system repairs. The plans offer coverage to swap out or fix appliances and systems that break down due to normal wear and tear. When something stops working, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty policy gives homeowners peace of mind since it can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties cover your household systems and appliances. Covered appliances normally include refrigerators, garbage disposals, dishwashers, washers, dryers, microwaves, and more. Covered systems include heating, air conditioning, electrical, and plumbing. Many home warranty companies also offer additional coverage for roof leaks, locksmiths, central vacuums, and septic systems. Spencer homeowners should know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Here are some essential home warranty words to understand before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies widely in the items that are included. Most plans provide coverage for electrical, AC, plumbing, heating, and appliances. More inclusive options also offer coverage on other items such as pools, roof leaks, spas, and well pumps. Look for providers with a diverse range of coverage options, including upgraded plans. This helps you customize your plan to your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with lower service fees to maximize savings. Some companies also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation can give you insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Check review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Good ratings and feedback indicate a company known for exceptional service.
Home warranty companies have networks of professionals to handle covered repairs. More extensive networks improve the probability of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Spencer to get a sense of how soon your repairs could happen in an emergency.
Some home warranty providers include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can offer extra value beyond just repair coverage. Added bonuses help you enhance your home and get the most from your home warranty.
Since temperatures in Spencer can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Having a home warranty can help homeowners save money if one of these systems or appliances breaks suddenly.
Not only can a home warranty provide some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most. Another added benefit of having a home warranty plan is that it can raise your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
Home warranties also have some cons. While it can give you less to worry about since the home warranty sends out a contractor who carries out the repair for you, some people may not like this, and they may want to choose their own contractor. If that’s important to you, some home warranty plans allow you to select a contractor.
Another thing to keep in mind is that some providers don’t cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you need more information or if this is an issue for you.
A home warranty costs, on average, about $300 to $600 a year in Spencer. Our high-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 opting for a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly.
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 a home in a situation such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim if you need a new dryer or oven, unless the damage is a result of a natural disaster, which is somewhat common in Spencer.
Homebuyers, landlords, homeowners, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
A home warranty policy will cover your systems, appliances, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
Typically, the person who owns the home pays for the home warranty. In some cases, however, the one selling the home may buy a home warranty plan 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 Spencer is $174,196, a home warranty can be an added asset when buying a home.
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