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Written By David Cusick
Last Updated June 2024
Chelsea offers homeowners some beautiful housing options. However, unplanned repair and replacement costs on your home’s appliances and systems can get quite costly. A home warranty can give you the peace of mind you need and safeguard your bank account from unexpected expenses by covering your home’s major appliances and systems.
Choosing the best home warranty on the market can be quite a challenge because of the numerous options out there. If you're tired of trying to compare them all, keep reading for our guide to the top home warranty providers in Chelsea.
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 Chelsea, Liberty Home Guard is the most trustworthy home warranty. Liberty has around 6 years of experience in the home warranty market and in that time has built a an network of service professionals in the country. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty offers 3 plans for you to choose from.
The plans that Liberty offers to homeowners are 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 system or appliance.
To read more, visit our comprehensive 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
In Chelsea, Choice Home Warranty is the best overall home warranty. Choice has around 15 years of experience in the home warranty market and in that time has built a an network of service professionals in the country. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice offers 2 plans for you to choose from.
The plans that Choice offers to homeowners are 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 system or appliance.
To read more, visit our comprehensive 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
In Chelsea, Select Home Warranty is the most cost-effective home warranty. Select has around 11 years of experience in the home warranty market and in that time has built a an network of service professionals in the country. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for you to choose from.
The plans that Select offers to homeowners are 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 system or appliance.
To read more, visit our comprehensive 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
In Chelsea, American Home Shield is the most customizable home warranty. AHS has around 26 years of experience in the home warranty market and in that time has built a an network of service professionals in the country. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS offers 3 plans for you to choose from.
The plans that AHS offers to homeowners are 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 system or appliance.
To read more, visit our comprehensive 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
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 Chelsea, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has around 44 years of experience in the home warranty market and in that time has built a an network of service professionals in the country. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. Cinch offers 3 plans for you to choose from.
The plans that Cinch offers to homeowners are 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 system or appliance.
To read more, visit our comprehensive 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
In Chelsea, The Home Service Club is the best home warranty with the quickest service. HSC has around 15 years of experience in the home warranty market and in that time has built a an network of service professionals in the country. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC offers 2 plans for you to choose from.
The plans that HSC offers to homeowners are 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 system or appliance.
To read more, visit our comprehensive 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 | $7,271 |
Heating | $4,847 |
Electrical | $727 |
Toilets | $606 |
Washer/Dryer | $969 |
Plumbing | $727 |
Oven | $1,939 |
Fridge | $727 |
A home warranty is a protection policy that helps cut costs for Chelsea 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 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 exceed the item's coverage limit. A home warranty delivers security for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with aging systems. Newer builds with modern appliances probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are dryers, garbage disposals, washers, refrigerators, dishwashers, microwaves, and more. Covered systems are typically plumbing, air conditioning, heating, and electrical. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Chelsea should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or improperly using a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to know before signing, such as:
There are several important factors to consider when selecting a home warranty provider:
Home warranty policies vary widely in what they include. Most plans provide protection for heating, plumbing, electrical, AC, and appliances. More comprehensive options also include coverage for other items such as pools, roof leaks, spas, and well pumps. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a provider with more affordable fees to maximize savings on every claim. Some providers also do away with deductibles when customers have a claim-free period.
A home warranty company's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Read through review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about providers. Good reviews and ratings suggest a company known for delivering quality service.
Home warranty businesses have networks of local contractors to handle repairs in your area. Contact potential providers to learn how many repair professionals they have in Chelsea and get an idea for how quickly your repairs might happen in an emergency situation. Bigger networks increase the chances of getting qualified contractors to promptly service your home.
Some home warranty companies provide bonuses such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These can add value beyond repair coverage. Extra bonuses maximize the usefulness of the home warranty.
Since temperatures in Chelsea can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty can help homeowners save money if one of these systems or appliances breaks unexpectedly.
Additionally, having a home warranty can save you time by getting rid of the need to research contractors — most providers will send a trusted professional right to your door to complete the necessary repair or replacement. Another good thing about having a home warranty is if you want to sell your home, some providers let you transfer your home warranty to the new owners. It can make your home more attractive to potential homebuyers and may 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 handles the repair for you, some may not like this, and they may want to choose a contractor themselves. If that’s the case for you, some home warranty plans allow you to select a contractor.
In addition, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Chelsea can cost anywhere from $30 to $60 a month. The higher-priced plans usually have broader coverage, higher coverage limits, and a lower service fee. Home warranties are often cheaper when 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 kinds of damage each covers. A home warranty helps protect against normal wear and tear to home systems and appliances. A homeowners insurance plan protects your entire home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new washing machine or oven, unless the damage is a result of a natural disaster, which can be a threat in Chelsea.
A home warranty plan can help real estate agents, investors, homebuyers, homeowners, and home sellers. It can offer peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Chelsea include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. 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 providers let you renew your plan annually, and some offer month-to-month plans as well.
Typically, the person who owns the home pays for the home warranty. In some cases, however, the person who is 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. Since the average home value in Chelsea is $485,981, a home warranty can save you some money when buying a home.