Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Hingham can be costly, especially as your home ages and your systems and appliances have to be updated or repaired. A home warranty plan can help protect homeowners by cutting the costs of major repairs and replacements on your home’s most important appliances and systems.
The home warranty market has a lot of providers — all with different price points — so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Hingham.
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 Hingham, Liberty Home Guard offers the most trustworthy home warranty. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. 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 Home Guard 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.
For more information, read our comprehensive review of Liberty Home Guard. To receive 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 Hingham, Choice Home Warranty offers the best overall home warranty. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. 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 Home Warranty 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.
For more information, read our comprehensive review of Choice Home Warranty. To receive 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 Hingham, Select Home Warranty offers the most cost-effective home warranty. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options. 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 Home Warranty 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.
For more information, read our comprehensive review of Select Home Warranty. To receive 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 Hingham, American Home Shield offers the most customizable home warranty. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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 American Home Shield 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.
For more information, read our comprehensive review of American Home Shield. To receive 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 Hingham, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. 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 Home Services 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.
For more information, read our comprehensive review of Cinch Home Services. To receive 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 Hingham, The Home Service Club offers the best home warranty with the quickest service. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. 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 The Home Service Club 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.
For more information, read our comprehensive review of The Home Service Club. To receive 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 | $7,894 |
| Heating | $5,263 |
| Electrical | $789 |
| Toilets | $658 |
| Washer/Dryer | $1,053 |
| Plumbing | $789 |
| Oven | $2,105 |
| Fridge | $789 |
A home warranty is a protection plan that helps reduce the high costs for Hingham homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners peace of mind since it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties cover many household systems and appliances. Warranties usually cover appliances such as microwaves, refrigerators, garbage disposals, dryers, dishwashers, washers, and others. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranty providers also offer add-on coverage for roof leaks, locksmiths, central vacuums, and septic systems. Hingham homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as natural disasters, pre-existing conditions, cosmetic issues, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by your policy.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
There are several important factors to consider when choosing a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans provide coverage for electrical, plumbing, heating, AC, and appliances. More inclusive options also cover other items such as well pumps, roof leaks, pools, and spas. Focus on providers with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per claim you submit. The costs from multiple fees can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's reputation can give you insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Check review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Positive ratings and feedback indicate a company known for great service.
Home warranty companies keep networks of local technicians to handle repairs in your area. Reach out to potential providers to learn how many repair professionals they have in Hingham and get an idea for how quickly your repairs might happen in an emergency situation. Wider networks raise the likelihood of getting qualified contractors to quickly service your home.
Certain home warranty providers include extras such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These bonuses offer extra value beyond repair coverage. Extra perks enhance your home and help maximize your home warranty.
Since temperatures in Hingham can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty policy can help homeowners save money if one of these systems or appliances stops working suddenly.
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 do the repair or replacement. Plus, having a home warranty can make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you’ve been benefiting from.
As for the negatives of home warranties, coverage varies by provider, so it’s important to read what each policy covers and doesn’t include in the contract.
Another consideration is that home warranties usually only cover repairs needed due to normal wear and tear. They often won’t cover home systems or appliances that have been damaged due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty costs, on average, about $300 to $600 a year in Hingham. Our top-rated home warranty providers' 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. In addition, it's often less expensive to pay annually rather than monthly.
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 a home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new refrigerator or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in Hingham.
First-time homebuyers, home sellers, landlords, homeowners, and real estate agents are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Hingham include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your home systems and appliances, including your washing machine, drier, and heating and cooling systems. An appliance or system plan will cover only the specific items listed in the contract.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
In general, 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. In Hingham, where the median home value is $1,184,236, having the seller pay for the home warranty can be a good asset for your new home.
