Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
As much as you may enjoy homeownership in Somerville, there's always that concern about whether your systems and appliances are going to make it through the next few years. A home warranty can bring you the peace of mind you need and shield your savings account from large expenses by covering your home’s major appliances and systems.
Finding the best protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Somerville. Keep reading for our top provider 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
In Somerville, Liberty Home Guard is the most trustworthy home warranty. Liberty has 3 plans for homeowners to decide between. When you buy a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Somerville homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. 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.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our 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 Somerville, Choice Home Warranty is the best overall home warranty. Choice has 2 plans for homeowners to decide between. When you buy a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Somerville homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. 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.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our 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 Somerville, Select Home Warranty is the most cost-effective home warranty. Select has 3 plans for homeowners to decide between. When you buy a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Somerville homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. 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.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our 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 Somerville, American Home Shield is the most customizable home warranty. AHS has 3 plans for homeowners to decide between. When you buy a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Somerville homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. 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.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our 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 Somerville, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has 3 plans for homeowners to decide between. When you buy a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Somerville homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. 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.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our 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 Somerville, The Home Service Club is the best home warranty with the quickest service. HSC has 2 plans for homeowners to decide between. When you buy a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Somerville homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. 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.
To receive 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 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 | $7,540 |
| Heating | $5,026 |
| Electrical | $754 |
| Toilets | $628 |
| Washer/Dryer | $1,005 |
| Plumbing | $754 |
| Oven | $2,011 |
| Fridge | $754 |
A home warranty is a protection plan that helps Somerville homeowners in lowering the costs of appliance and system repairs. The plans provide financial coverage to swap out or fix appliances and systems that break down due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or fix. 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 reassurance to homeowners, as it helps prevent expensive emergency repairs. Home warranties are particularly useful for owners of older homes or homes with aging systems. New homes with modern appliances might not need a home warranty.
Home warranties help protect your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, dishwashers, dryers, refrigerators, washers, microwaves, and more. Covered systems include electrical, heating, plumbing, and air conditioning. Many home warranty plans also offer add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. Most home warranty plans require Somerville homeowners to wait 30 days before the plan will cover repairs. Moreover, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some essential home warranty terms to know before signing a contract:
There are several important considerations when choosing a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically provide protection for heating, AC, plumbing, electrical, and appliances, while more comprehensive options may also cover spas, pools, roof leaks, and well pumps. Look for companies with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with lower service fees to maximize savings. Some companies also remove deductibles when customers have a claim-free period.
A home warranty company's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Read through review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about providers. Favorable reviews and ratings suggest a company known for delivering quality service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Reach out to potential businesses to ask how many repair specialists they have in Somerville and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks raise the probability of getting qualified contractors to promptly service your home.
Home warranty companies often include extras such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These can add value beyond basic repair coverage. Additional perks can maximize the usefulness of the home warranty.
Home warranty plans are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Somerville hitting an average high of 56℃F, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can significantly bring down out-of-pocket expenses should your HVAC system break down.
Not only does a home warranty give you some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty deals with the research by sending trusted professionals to your door when you need them most. Additionally, having a home warranty can make your house more appealing to potential homebuyers if 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 receiving.
There are also some negatives to getting a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty.
Another pain point of home warranties is that they don’t cover items that haven’t been properly maintained. This can lead to your repair requests 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 in Somerville can cost between $30 and $60 a month. Higher-priced plans tend to have higher coverage limits, broader coverage, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also lower 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 types of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects your home in case of a situation such as a fire or natural disaster. With a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or oven, unless the damage is due to a natural disaster, which isn't that common in Somerville.
A home warranty plan can help real estate agents, home sellers, homebuyers, investors, and homeowners. It can provide peace of mind and savings to anyone involved in homeownership.
The different home warranties in Somerville include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, such as your dishwasher, washing machine, and HVAC. An appliance or system plan will cover only the items listed in the plan.
Home warranty plans usually provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Typically, the homeowner is the one who pays 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 has to pay the service fees when using the policy. In Somerville, where the median value of a home is $885,311, having the seller pay for the home warranty can save you some money on your new home.
