Written By David Cusick
Last Updated February 2024
With a variety of seasons in Topsham, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your heater go out in the middle of winter. A home warranty plan can help protect homeowners by lowering the costs of major repairs and replacements on your home’s most important systems and appliances.
Finding the right protection for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Topsham. Read on for our top provider 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 is the most trustworthy home warranty for Topsham residents. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it 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.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000.
Read more by visiting our Liberty Home Guard full review. To receive a free quote from Liberty Home Guard, you can 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 for Topsham residents. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. 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 comprehensive and offer both system and appliance coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
Read more by visiting our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, you can 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 for Topsham residents. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. 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 comprehensive and offer both system and appliance coverage.
The plans that Select offers to homeowners are 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.
Read more by visiting our Select Home Warranty full review. To receive a free quote from Select Home Warranty, you can 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 for Topsham residents. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. 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 American Home Shield full review. To receive a free quote from American Home Shield, you can fill out this online form or call 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 for Topsham residents. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it 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.
The plans that Cinch offers to homeowners are 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.
Read more by visiting our Cinch Home Services full review. To receive a free quote from Cinch Home Services, you can 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 for Topsham residents. 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, you’ll want to have this plan on your side. 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 comprehensive and offer both system and appliance coverage.
The plans that HSC offers to homeowners are 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.
Read more by visiting our The Home Service Club full review. To receive a free quote from The Home Service Club, you can 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 | $5,959 |
Heating | $3,973 |
Electrical | $596 |
Toilets | $497 |
Washer/Dryer | $795 |
Plumbing | $596 |
Oven | $1,589 |
Fridge | $596 |
A home warranty is a protection plan that helps reduce the high costs for Topsham homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that break due to 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 repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties cover your household systems and appliances. Common covered appliances include microwaves, refrigerators, dryers, dishwashers, washers, garbage disposals, and others. Covered systems include plumbing, air conditioning, electrical, and heating. Various home warranty plans offer additional coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Most home warranty plans require Topsham homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty words to learn before signing a contract:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty plans differ significantly in terms of coverage. Most plans cover heating, electrical, AC, plumbing, and appliances. More inclusive options also offer protection for other items such as roof leaks, spas, well pumps, and pools. Look for companies with varied coverage options, including upgraded plans. This allows you to customize your plan to your home's needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges 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 provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Read through review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about providers. Favorable ratings and feedback suggest a company known for delivering quality service.
Home warranty providers have networks of contractors that they use to tackle covered repairs. Wider networks raise the probability of getting qualified contractors to your home promptly. Contact possible providers to find out how many contractors they have in Topsham to understand how long repairs may take in an urgent situation.
Certain home warranty providers offer perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These bonuses offer extra value beyond repair coverage. Added perks can enhance your home and help maximize your home warranty.
Since temperatures in Topsham can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Buying a home warranty can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
A home warranty also can also save you time and energy. Instead of spending hours researching and choosing a technician 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. Another benefit of having a home warranty is while selling your home, some providers let you transfer your home warranty plan to the new owners. This can make your house more attractive to potential homebuyers and may help your house sell faster.
One of the main drawbacks of home warranties is not every home system and appliance may be covered. It’s important to research the different plans and get one that covers all the appliances, systems, and add-ons you need.
Another thing to bear in mind is that some providers don’t cover pre-existing damage and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about these things if you need more information or if this is an issue for you.
A home warranty plan costs, on average, around $300 to $600 a year in Topsham. Our top-rated home warranty companies' 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 typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects the entire home from natural disasters, which can sometimes be a concern in Topsham. It doesn't cover a typical appliance or system repairs.
A home warranty can help homeowners, real estate agents, homebuyers, home sellers, and investors. It can offer peace of mind to anyone involved with homeownership.
The different types of home warranties in Topsham include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your home systems and appliances, including your refrigerator, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the items mentioned in the contract.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Topsham, where the median value of a home is $425,817, having the seller pay for the home warranty can be a good asset for your new home.