Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
With a variety of seasons in Ipswich, your home systems can go through 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 can give you the peace of mind you need and protect your savings account from large expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be difficult, as there are lots of companies to choose from. That’s why the Today's Homeowner team did the research and put together a list of the best home warranty companies in Ipswich for you.
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 offers the most trustworthy home warranty for Ipswich 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 home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 for each covered system or appliance.
Read our comprehensive review of Liberty Home Guard to learn more. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 offers the best overall home warranty for Ipswich 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 home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered system or appliance.
Read our comprehensive review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 offers the most cost-effective home warranty for Ipswich 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 home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 for each covered system or appliance.
Read our comprehensive review of Select Home Warranty to learn more. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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 offers the most customizable home warranty for Ipswich 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 home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 for each covered system or appliance.
Read our comprehensive review of American Home Shield to learn more. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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 offers the home warranty with the best workmanship guarantee for Ipswich 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 home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered system or appliance.
Read our comprehensive review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 offers the best home warranty with the quickest service for Ipswich 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 home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 for each covered system or appliance.
Read our comprehensive review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,687 |
| Heating | $4,458 |
| Electrical | $669 |
| Toilets | $557 |
| Washer/Dryer | $892 |
| Plumbing | $669 |
| Oven | $1,783 |
| Fridge | $669 |
A home warranty is a protection plan that assists Ipswich homeowners reduce the high costs of household repairs. These plans provide financial protection to repair or replace appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds 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, as it helps prevent costly emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover your household systems and appliances. Covered appliances normally include garbage disposals, washers, microwaves, dishwashers, dryers, refrigerators, and more. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranty companies also provide add-on coverage for central vacuums, roof leaks, septic systems, and locksmiths. Ipswich homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should learn key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranties differ greatly in the items covered. Basic plans typically provide protection for heating, AC, electrical, plumbing, and appliances, while more comprehensive options may also cover spas, well pumps, pools, and roof leaks. Look for providers with flexible coverage choices, including upgraded plans. This allows you to customize your plan to your needs.
You'll pay a service fee, typically $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 seek out companies advertising lower service 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 company's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Good ratings and reviews indicate that a company is known for quality service.
Home warranty companies maintain networks of local contractors to handle repairs in your area. Reach out to potential providers to learn how many repair technicians they have in Ipswich and get an idea for how fast your repairs could take place in an emergency situation. Larger networks increase the chances of getting qualified contractors to quickly service your home.
Home warranty companies often include extras such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These add value beyond basic repair coverage. Added perks help maximize the usefulness of the home warranty.
Since temperatures in Ipswich 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 stops working suddenly.
Plus, having a home warranty can save you some time by removing the need to research technicians — most companies will send a trusted professional right to your door to complete the necessary repair or replacement. Plus, having a home warranty can help make your house more appealing to potential homebuyers should you ever decide to sell in the future. 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.
One main drawback of home warranties is not everything you care about may be covered. It’s important to compare the different policies and opt for one that covers all the appliances, systems, and add-ons you need.
Another thing to take into consideration is that some providers 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 need more information or if this is an issue for you.
A home warranty costs, on average, around $300 to $600 a year in Ipswich. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. In addition, it's often cheaper 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 case of something such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim if you need a new dryer or air conditioner, unless the damage is due to a natural disaster, which is somewhat common in Ipswich.
A home warranty policy can help investors, home sellers, homebuyers, real estate agents, and homeowners. It can offer peace of mind to anyone involved with homeownership.
The different kinds of home warranties in Ipswich include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your home systems and appliances, including your washing machine, drier, and heating and cooling systems. An appliance or system plan will cover only the items listed in the contract.
Generally, a home warranty lasts for a year and can be renewed yearly. Some companies may offer month-to-month options.
Usually, the homeowner is responsible for paying 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 given to the new homeowner, who will pay the service fees. In Ipswich, where the median value of a home is $749,211, having the seller pay for the home warranty can be a good asset for your new home.
