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Last Updated: February 25, 2025
With hot summers and cool winters, maintaining your home appliances and systems, specifically your HVAC, is extremely important for homeowners in Cumberland. A home warranty policy can help protect homebuyers and current homeowners by covering 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 coverage — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Cumberland.
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 Cumberland. Liberty has been in the home warranty business for around 6 years. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty offers include options for appliance and system coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered appliance or system.
For a more detailed breakdown, read our full review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 Cumberland. Choice has been in the home warranty business for around 15 years. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans that Choice offers include options for appliance and system coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered appliance or system.
For a more detailed breakdown, read our full review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Cumberland. Select has been in the home warranty business for around 11 years. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans that Select offers include options for appliance and system coverage.
There are 3 home warranty plans from Select Home Warranty: 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 around $2,000 per covered appliance or system.
For a more detailed breakdown, read our full review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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 Cumberland. AHS has been in the home warranty business for around 26 years. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans that AHS offers include options for appliance and system coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered appliance or system.
For a more detailed breakdown, read our full review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Cumberland. Cinch has been in the home warranty business for around 44 years. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans that Cinch offers include options for appliance and system coverage.
There are 3 home warranty plans from Cinch Home Services: 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 around $1,000-$2,000 per covered appliance or system.
For a more detailed breakdown, read our full review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 Cumberland. HSC has been in the home warranty business for around 15 years. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it 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 that HSC offers include options for appliance and system coverage.
There are 2 home warranty plans from The Home Service Club: 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 around $2,000 per covered appliance or system.
For a more detailed breakdown, read our full review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,073 |
| Heating | $4,049 |
| Electrical | $607 |
| Toilets | $506 |
| Washer/Dryer | $810 |
| Plumbing | $607 |
| Oven | $1,619 |
| Fridge | $607 |
A home warranty is a protection policy that helps Cumberland homeowners in reducing the expenses of appliance and system repairs. The plans offer coverage to swap out or fix appliances and systems that stop working 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 fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid high-priced emergency repairs. The coverage is especially helpful for owners of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and working appliances might not require a home warranty.
Home warranties cover your household systems and appliances. Covered appliances typically include refrigerators, dryers, garbage disposals, washers, microwaves, dishwashers, and more. Covered systems include heating, electrical, plumbing, and air conditioning. Many home warranty providers also offer add-on coverage for locksmiths, roof leaks, septic systems, and central vacuums. Cumberland should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Here are some essential home warranty terms to learn before signing a contract:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans cover plumbing, AC, heating, electrical, and appliances. More extensive plans may also cover additional items such as spas, well pumps, roof leaks, and pools. Focus on providers with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with lower service fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's track record gives you insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Positive ratings and reviews indicate a provider known for stellar service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Contact potential providers to ask how many repair specialists they have in Cumberland and get an idea of how quickly your repairs could be handled in an emergency. Wider networks improve the probability of getting qualified contractors to quickly service your home.
Certain home warranty companies include extras such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These bonuses offer extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Home warranties are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Cumberland hitting an average high of 52℃F, you may find that certain appliances, such as your air conditioner, get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system break down.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may come across. Additionally, 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 maybe even help your home sell faster.
Home warranties also have some cons. While it can give you less to worry about since the home warranty sends out a contractor who does the repair for you, some may not like this, and they may want to select a contractor themselves. If that’s important to you, some home warranty plans allow you to choose a contractor.
Another thing to consider is that some companies don’t cover pre-existing issues and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about it if you aren’t sure or if this is an issue for you.
A home warranty in Cumberland can cost anywhere from $30 to $60 a month. Higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. You can often lower this cost by paying 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 plan covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of a situation such as a fire or natural disaster. With a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or stove, unless the damage is a result of a natural disaster, which is somewhat common in Cumberland.
A home warranty plan can help homebuyers, investors, real estate agents, home sellers, and homeowners. It can provide peace of mind and savings to anyone involved in homeownership.
The different kinds of home warranties in Cumberland include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your home systems and appliances, such as your dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the specific items mentioned in the contract.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some companies may offer month-to-month plans.
Typically, 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 need to pay the service fees when using the policy. Since the average home value in Cumberland is $686,245, a home warranty can save you some money when buying a home.
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