Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 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 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
In Gloucester, Liberty Home Guard is the most trustworthy home warranty. Liberty has been in business for about 6 years, making it a highly regarded company in the industry. The 3 policies that Liberty offers include options for appliance and system coverage. 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 Home Guard has 3 plans that offer a combination of system and appliance coverage. 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 receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our review of Liberty Home Guard.
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 is the best overall home warranty. Choice has been in business for about 15 years, making it a highly regarded company in the industry. The 2 policies that Choice offers include options for appliance and system coverage. 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 Home Warranty has 2 plans that offer a combination of system and appliance coverage. 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 receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our review of Choice Home Warranty.
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 is the most cost-effective home warranty. Select has been in business for about 11 years, making it a highly regarded company in the industry. The 3 policies that Select offers include options for appliance and system coverage. 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 Home Warranty has 3 plans that offer a combination of system and appliance coverage. 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 receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our review of Select Home Warranty.
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 is the most customizable home warranty. AHS has been in business for about 26 years, making it a highly regarded company in the industry. The 3 policies that AHS offers include options for appliance and system coverage. 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.
American Home Shield has 3 plans that offer a combination of system and appliance coverage. 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 receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our review of American Home Shield.
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 is the home warranty with the best workmanship guarantee. Cinch has been in business for about 44 years, making it a highly regarded company in the industry. The 3 policies that Cinch offers include options for appliance and system coverage. 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 Home Services has 3 plans that offer a combination of system and appliance coverage. 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 receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our review of Cinch Home Services.
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 is the best home warranty with the quickest service. HSC has been in business for about 15 years, making it a highly regarded company in the industry. The 2 policies that HSC offers include options for appliance and system coverage. 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 Home Service Club has 2 plans that offer a combination of system and appliance coverage. 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 receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our review of The Home Service Club.
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 reducing the expenses of appliance and system repairs. The plans provide financial coverage to swap out or fix appliances and systems that stop working due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are the most useful for older construction homes with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Covered appliances typically include dishwashers, microwaves, refrigerators, washers, garbage disposals, dryers, and others. Covered systems include electrical, air conditioning, plumbing, and heating. Many home warranty companies also offer add-on coverage for locksmiths, septic systems, roof leaks, and central vacuums. Most home warranty plans require Gloucester 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, natural disasters, cosmetic issues, 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 terms to understand before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty policies can have major differences in covered items. Most plans cover plumbing, AC, heating, electrical, and appliances. More comprehensive options also offer protection for other items such as spas, well pumps, roof leaks, and pools. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize protection for your needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per repair request filed. These per-claim charges can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some companies also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's track record gives you insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Favorable reviews and ratings indicate a company known for stellar service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential companies to learn the number of repair professionals they have in Gloucester and get an idea of how fast your repairs could be handled in an emergency. Bigger networks increase the probability of getting qualified contractors to promptly service your home.
Home warranty companies often include perks such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These can add value beyond just repair coverage. Added perks maximize the usefulness of your home warranty.
Temperatures in Gloucester can drop to the negatives in the winter, which means your heating system is likely to get a good bit of use. As a homeowner in Gloucester, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
A home warranty also can also save you time and energy. Instead of spending hours researching and selecting 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 added benefit of having home warranty coverage is that it can increase 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 company you purchased your home warranty through.
There are also some negatives to buying a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another thing to keep in mind is that some companies don’t cover pre-existing problems and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about these things if you aren’t sure or if this is an issue for you.
A home warranty in Gloucester can cost between $30 and $60 a month. Higher-priced plans tend to have higher coverage limits, a lower service fee, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects the entire home from natural disasters, which can sometimes be a concern in Gloucester. It doesn't cover a typical appliance or system repairs.
First-time homebuyers, home sellers, landlords, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different home warranties in Gloucester include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, such as your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the specific items listed in the plan.
Home warranty plans generally offer coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may purchase 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. Considering that the average home value in Gloucester is $681,538, a home warranty can save you some money when buying a home.
