Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Gloucester offers homeowners some beautiful living options. However, unanticipated repair and replacement costs on your home’s systems and appliances can get quite expensive. A home warranty policy can help protect homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the right protection for your home can be challenging, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Gloucester. 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
In Gloucester, Liberty Home Guard offers the most trustworthy home warranty. Liberty has more than 6 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Liberty offers 3 plans for you to decide between. 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.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our Liberty Home Guard Review.
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 Gloucester, Choice Home Warranty offers the best overall home warranty. Choice has more than 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Choice offers 2 plans for you to decide between. 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.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty Review.
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 Gloucester, Select Home Warranty offers the most cost-effective home warranty. Select has more than 11 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Select offers 3 plans for you to decide between. 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.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our Select Home Warranty Review.
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 Gloucester, American Home Shield offers the most customizable home warranty. AHS has more than 26 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. AHS offers 3 plans for you to decide between. 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our American Home Shield Review.
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 Gloucester, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has more than 44 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Cinch offers 3 plans for you to decide between. 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.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our Cinch Home Services Review.
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 Gloucester, The Home Service Club offers the best home warranty with the quickest service. HSC has more than 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. HSC offers 2 plans for you to decide between. 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.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our The Home Service Club Review.
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 | $6,647 |
| Heating | $4,431 |
| Electrical | $665 |
| Toilets | $554 |
| Washer/Dryer | $886 |
| Plumbing | $665 |
| Oven | $1,773 |
| Fridge | $665 |
A home warranty is a protection policy that helps Gloucester homeowners in lowering the costs of appliance and system repairs. The plans offer financial coverage to swap out or fix appliances and systems that break down due to normal wear and tear.
When something breaks down, you file 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 gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are the most useful for older construction homes with aging systems. New homes with up-to-date appliances might not require a home warranty.
Home warranties protect many household systems and appliances. Typical covered appliances include microwaves, washers, garbage disposals, dryers, dishwashers, refrigerators, and more. Protected systems include electrical, heating, air conditioning, and plumbing. Various home warranty plans offer additional coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Gloucester homeowners should know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, cosmetic issues, natural disasters, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by the policy.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies widely in the items that are included. Most plans provide coverage for AC, heating, electrical, plumbing, and appliances. More comprehensive plans also cover other items such as spas, roof leaks, well pumps, and pools. Look for companies with flexible coverage choices, including upgraded plans. This helps you customize your plan to your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for providers advertising more affordable fees to optimize savings on each repair claim. Certain companies may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's rating provides 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), TrustPilot, or Google Reviews to research companies. Positive ratings and reviews indicate a provider known for stellar service.
Home warranty providers keep networks of technicians to handle covered repairs. Larger networks improve the likelihood of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Gloucester to get a sense of how soon your repairs could be handled in an emergency.
Certain home warranty companies provide extras such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These bonuses provide extra value beyond repair coverage. Added perks can enhance your home and maximize your home warranty.
Since temperatures in Gloucester can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Not only can a home warranty give you some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a contractor and schedule a repair. A home warranty takes care of the research by sending trusted professionals to your door when you need them most. Additionally, though home warranty companies vary, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your home more attractive to potential homebuyers and maybe even help your home sell faster.
As for the negatives of home warranties, home system and appliance coverage varies by provider, so it’s important to read what each plan covers and excludes in the contract.
Plus, if you don’t maintain your home systems or appliances properly, or if they need repairs 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 Gloucester can cost anywhere from $30 to $60 a month. 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 companies will also decrease your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues with 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 an entire home from natural disasters, which can sometimes be a concern in Gloucester. It doesn't cover a typical appliance or system breakage.
A home warranty plan can help homeowners, real estate agents, home sellers, homebuyers, and investors. It can provide peace of mind and savings to anyone involved in homeownership.
A home warranty plan will cover your home’s appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
Typically, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Gloucester, where the median value of a home is $681,538, having the seller pay for the home warranty can save you some money on your new home.
