Written By David Cusick
Last Updated February 2024
Lynn offers homeowners some beautiful living options. However, unplanned repair and replacement costs on your home’s systems and appliances can get quite expensive. A home warranty can offer you the peace of mind you need and shield your bank account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be challenging, since there are lots of companies to decide between. That’s why the Today's Homeowner team did the research and compiled a list of the top home warranty companies in Lynn 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
In Lynn, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been on the market for more than 6 years, making it a respected company in the industry. The 3 plans from Liberty are comprehensive and offer a mix of both system and appliance 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.
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 close to 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, you can fill out this online form or call 866-451-2281. Read more by visiting our thorough 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 Lynn, Choice Home Warranty offers the best overall home warranty. Choice has been on the market for more than 15 years, making it a respected company in the industry. The 2 plans from Choice are comprehensive and offer a mix of both system and appliance 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.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to 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, you can fill out this online form or call 929-400-6164. Read more by visiting our thorough 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 Lynn, Select Home Warranty offers the most cost-effective home warranty. Select has been on the market for more than 11 years, making it a respected company in the industry. The 3 plans from Select are comprehensive and offer a mix of both system and appliance 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.
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 close to 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, you can fill out this online form or call 888-370-3953. Read more by visiting our thorough 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 Lynn, American Home Shield offers the most customizable home warranty. AHS has been on the market for more than 26 years, making it a respected company in the industry. The 3 plans from AHS are comprehensive and offer a mix of both system and appliance 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to 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, you can fill out this online form or call 888-365-2839. Read more by visiting our thorough 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 Lynn, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been on the market for more than 44 years, making it a respected company in the industry. The 3 plans from Cinch are comprehensive and offer a mix of both system and appliance 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.
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 close to 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, you can fill out this online form or call 877-589-0505. Read more by visiting our thorough 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 Lynn, The Home Service Club offers the best home warranty with the quickest service. HSC has been on the market for more than 15 years, making it a respected company in the industry. The 2 plans from HSC are comprehensive and offer a mix of both system and appliance 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to 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, you can fill out this online form or call 800-750-9443. Read more by visiting our thorough 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 | $6,677 |
Heating | $4,451 |
Electrical | $668 |
Toilets | $556 |
Washer/Dryer | $890 |
Plumbing | $668 |
Oven | $1,781 |
Fridge | $668 |
A home warranty is a protection plan that helps Lynn homeowners in lowering the expenses of appliance and system repairs. The plans offer financial coverage to replace or repair appliances and systems that break down due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or repair. 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 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 home systems and appliances. Common appliances covered include washers, refrigerators, dryers, dishwashers, microwaves, garbage disposals, and more. Included systems are usually air conditioning, plumbing, electrical, and heating. Many home warranty companies offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Most home warranty plans require Lynn homeowners to wait 30 days before the plan will cover repairs. Additionally, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should learn key terms like:
When selecting a home warranty provider, there are several key factors to consider:
Home warranties differ greatly in the items covered. Basic plans typically provide protection for electrical, heating, plumbing, AC, and appliances, while more comprehensive options may also cover spas, pools, well pumps, and roof leaks. Focus on providers with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize protection for your needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which is paid per claim you submit. The costs from multiple fees can add up. You may decide to look for companies 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 provider's reputation provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Read through review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about providers. Good reviews and ratings suggest a company known for providing quality service.
Home warranty companies maintain networks of professionals to handle covered repairs. Wider networks improve the probability of getting qualified technicians to swiftly service your home. Contact potential providers to find out how many contractors they have in Lynn to get a sense of how quickly your repairs could be handled in an emergency.
Home warranty providers might offer extras such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These extras add value beyond repair coverage. Additional perks can maximize the usefulness of your home warranty.
Since temperatures in Lynn can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Having a home warranty plan can help homeowners save money if one of these systems or appliances breaks all of a sudden.
A home warranty also saves you time and energy. Instead of spending hours finding 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. A home warranty can also offer value in other ways. For example, some policies can be transferred to another owner when you sell your home.
Home warranties also have some cons. Though it can save you time when the home warranty sends out a contractor who handles the repair for you, some may not like this, and they would rather select their own contractor. If that’s important to you, some home warranty companies let you choose a contractor.
Another drawback is that home warranties may not include some repairs, like those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty in Lynn can cost between $30 and $60 a month. Higher-priced plans tend to have broader coverage, a lower service fee, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some providers will also reduce your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects your entire home in case of something such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim should you need a new dryer or stove, unless the damage is a result of a natural disaster, which is somewhat common in Lynn.
Homebuyers, landlords, home sellers, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Lynn include plans that cover either appliances or systems as well as combination plans. A combination plan covers almost all your home systems and appliances, including your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the policy.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some companies may offer month-to-month options.
Typically, 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 transferred to the new homeowner, who has to pay the service fees. In Lynn, where the median value of a home is $512,681, having the seller pay for the home warranty can save you some money on your new home.