Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Although homeownership in Monson has many perks — such as being surrounded by nature — there are also not so glamorous sides. One major headache many homeowners have to deal with eventually is replacing or repairing their home appliances and systems. A home warranty policy can help protect homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
The home warranty market is saturated with many providers — all with different plans — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Monson.
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 Monson, Liberty Home Guard is the most trustworthy home warranty. Liberty has over 6 years of experience in the home warranty market and in that time has built a impressive network of service technicians nationwide. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, 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 from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Monson area.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our comprehensive review of Liberty Home Guard to learn more.
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 Monson, Choice Home Warranty is the best overall home warranty. Choice has over 15 years of experience in the home warranty market and in that time has built a impressive network of service technicians nationwide. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, 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 from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Monson area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our comprehensive review of Choice Home Warranty to learn more.
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 Monson, Select Home Warranty is the most cost-effective home warranty. Select has over 11 years of experience in the home warranty market and in that time has built a impressive network of service technicians nationwide. Select has 3 simple plans, making the selection process and policy coverage easily understandable. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, 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 from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Monson area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our comprehensive review of Select Home Warranty to learn more.
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 Monson, American Home Shield is the most customizable home warranty. AHS has over 26 years of experience in the home warranty market and in that time has built a impressive network of service technicians nationwide. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, 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 from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Monson area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our comprehensive review of American Home Shield to learn more.
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 Monson, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has over 44 years of experience in the home warranty market and in that time has built a impressive network of service technicians nationwide. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, 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 from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Monson area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our comprehensive review of Cinch Home Services to learn more.
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 Monson, The Home Service Club is the best home warranty with the quickest service. HSC has over 15 years of experience in the home warranty market and in that time has built a impressive network of service technicians nationwide. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, 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 from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Monson area.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our comprehensive review of The Home Service Club to learn more.
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 | $6,205 |
| Heating | $4,137 |
| Electrical | $621 |
| Toilets | $517 |
| Washer/Dryer | $827 |
| Plumbing | $621 |
| Oven | $1,655 |
| Fridge | $621 |
A home warranty is a protection plan that assists Monson homeowners cut the high costs of household repairs. These plans provide financial coverage to repair or replace appliances and systems that stop working from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is especially helpful for buyers of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and modern appliances may not require a home warranty.
Home warranties cover many home systems and appliances. Covered appliances normally include dishwashers, garbage disposals, refrigerators, washers, dryers, microwaves, and others. Covered systems include electrical, air conditioning, plumbing, and heating. Many home warranty companies also offer additional coverage for central vacuums, roof leaks, septic systems, and locksmiths. Most home warranty plans require Monson homeowners to wait 30 days before they can use the policy to pay for repairs. Moreover, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
There are a number of home warranty terms to learn before signing an agreement, including:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage varies widely in the items that are included. Most plans cover plumbing, AC, heating, electrical, and appliances. More robust coverage options also cover other items such as well pumps, roof leaks, pools, and spas. Focus on companies with broad coverage options including upgraded plans. This flexibility enables you to customize protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a company with lower service fees to maximize savings on every claim. Some companies also do away with deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation gives insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Complimentary ratings and reviews indicate a company known for stellar service.
Home warranty companies keep networks of local technicians to handle repairs in your area. Contact potential providers to find out how many repair professionals they have in Monson and get an idea for how quickly your repairs could take place in an emergency situation. Bigger networks improve the probability of getting qualified contractors to promptly service your home.
Certain home warranty providers offer extras such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These bonuses offer extra value beyond repair coverage. Added perks enhance your home and help maximize your home warranty.
Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Monson reaching an average high of 56℃F, you may find that certain appliances, such as your air conditioning system, get a lot of use. A home warranty can significantly lower out-of-pocket expenses should your HVAC system stop working.
Not to mention, having a home warranty can save you time by eliminating the need to research technicians — most providers will send a trusted professional right to your door to complete the necessary repair or replacement. Another good thing about having a home warranty is while selling your home, you can most likely transfer your home warranty to the new owners. This can make your house more attractive to potential homebuyers and help your house sell faster.
As for the negatives of home warranties, system and appliance coverage varies by company, so it’s important to read what each plan 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 systems or appliances that have been damaged due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty costs, on average, around $300 to $600 a year in Monson. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. In addition, it's usually 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 plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in a situation such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or dishwasher, unless the damage is a result of a natural disaster, which is somewhat common in Monson.
First-time homebuyers, home sellers, homeowners, real estate agents, and landlords can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different home warranties in Monson include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers your home systems and appliances, including your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the items mentioned in the policy.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Generally, 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 given to the new homeowner, who will pay the service fees. In Monson, where the median home value is $356,639, having the seller pay for the home warranty can save you some money on your new home.
