Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Lowell gives homeowners some great living options and the opportunity to enjoy all four seasons. However, temperatures can put quite a strain on your home’s systems, such as your HVAC. A home warranty policy can help protect you by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the best warranty for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Lowell. 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
Liberty Home Guard is the most trustworthy home warranty in Lowell. Liberty has been in the home warranty industry for about 6 years. 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 home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000.
Read our Liberty Home Guard full review to learn more. 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
Choice Home Warranty is the best overall home warranty in Lowell. Choice has been in the home warranty industry for about 15 years. 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 home warranty company offers 2 plans to policyholders with various system and appliance coverage options.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000.
Read our Choice Home Warranty full review to learn more. 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
Select Home Warranty is the most cost-effective home warranty in Lowell. Select has been in the home warranty industry for about 11 years. 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 home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
Select Home Warranty has 3 plans that offer a combination of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000.
Read our Select Home Warranty full review to learn more. 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
American Home Shield is the most customizable home warranty in Lowell. AHS has been in the home warranty industry for about 26 years. 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 home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
American Home Shield has 3 plans that offer a combination of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500.
Read our American Home Shield full review to learn more. 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Lowell. Cinch has been in the home warranty industry for about 44 years. 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 home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000.
Read our Cinch Home Services full review to learn more. 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
The Home Service Club is the best home warranty with the quickest service in Lowell. HSC has been in the home warranty industry for about 15 years. 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 warranty company offers 2 plans to policyholders with various system and appliance coverage options.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000.
Read our The Home Service Club full review to learn more. 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 | $6,616 |
| Heating | $4,411 |
| Electrical | $662 |
| Toilets | $551 |
| Washer/Dryer | $882 |
| Plumbing | $662 |
| Oven | $1,764 |
| Fridge | $662 |
A home warranty is a protection plan that helps cut costs for Lowell homeowners needing appliance and system repairs. These plans provide coverage to fix or swap out appliances and systems that stop working due to 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 fix 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 delivers peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who live in older homes or ones with outdated systems. Newer builds with working fixtures probably don’t require a home warranty.
Home warranties cover many household systems and appliances. Common covered appliances include refrigerators, washers, dishwashers, dryers, garbage disposals, microwaves, and others. Covered systems include air conditioning, electrical, heating, and plumbing. Many home warranty plans offer extra coverage for central vacuums, septic systems, roof leaks, and even locksmiths. It's important for Lowell homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Here are some essential home warranty terms to know before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty plans can have major differences in covered items. Most plans cover AC, heating, plumbing, electrical, and appliances. More robust plans also offer protection for other items such as spas, well pumps, pools, and roof leaks. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your home’s needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Good ratings and reviews indicate that a provider is known for quality service.
Home warranty providers keep networks of local contractors to handle repairs in your area. Reach out to potential providers to ask how many repair technicians they have in Lowell and get an idea for how quickly your repairs could take place in an emergency situation. More extensive networks increase the likelihood of getting qualified contractors to swiftly service your home.
Certain home warranty providers offer extras such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These offer extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Lowell’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the repairs, saving you from spending unexpected money out of pocket.
In addition, having a home warranty can save you time by removing the need to research contractors — most companies will send a trusted professional right to your door to complete the repair or replacement. Additionally, having a home warranty can help make your house more appealing to potential homebuyers if 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 same protection you’ve been receiving.
Home warranties also have some drawbacks. Although it can give you less to worry about since the home warranty sends out a repair person who does the repair for you, some may not like this, and they would prefer to choose a contractor themselves. If that’s the case for you, some home warranty companies allow you to select a contractor.
Another potential pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your claims being rejected, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, around $300 to $600 a year in Lowell. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's usually 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 the entire home in a situation such as a fire or natural disaster. Under a homeowners insurance plan, you will not be able to file a claim should you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which isn't that common in Lowell.
A home warranty plan can help home sellers, real estate agents, homeowners, homebuyers, and investors. It can provide peace of mind and savings to anyone involved with homeownership.
A home warranty policy will cover your appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Usually, 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 Lowell, where the median home value is $434,207, having the seller pay for the home warranty can be a good asset for your new home.
