Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Are you considering getting a home warranty? Go with one of our recommended home warranty companies. Homeownership in Worcester can be a satisfying stage for many people, but it also comes with its fair share of difficulties. Home repairs can be an unforeseen financial burden for many homeowners.
A home warranty is a way to protect your budget from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind. Since the home warranty market is saturated with many providers — all with different offerings — the Today's Homeowner team decided to do the research for you to help you find the right home warranty in Worcester.
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 Worcester. Choice has over 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. Choice has 2 simple plans, making the selection process and policy coverage easily understandable.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice's plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
Read our review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, you can 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
In Worcester, Select Home Warranty offers the most cost-effective home warranty. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for homeowners to choose from.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. 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. To read more, visit our full 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 Worcester, American Home Shield offers the most customizable home warranty. AHS is a home warranty provider with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for homeowners to choose from.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
Read our detailed 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
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 in Worcester. HSC has more than 15 years of experience in the home warranty industry and in that time has built a impressive network of service professionals nationwide. 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 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. The coverage caps associated with HSC's plans are close to the $2,000 mark for many 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. For a more detailed breakdown, read our comprehensive review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Worcester. 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 3 home warranty plans that Liberty offers include options for appliance and system coverage.
Liberty Home Guard offers 3 plans for Worcester homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Liberty's plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
Read more by visiting our comprehensive review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
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 Worcester. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage. 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 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
To read more, visit our Cinch Home Services Review. 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
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 | $6,559 |
| Heating | $4,373 |
| Electrical | $656 |
| Toilets | $547 |
| Washer/Dryer | $875 |
| Plumbing | $656 |
| Oven | $1,749 |
| Fridge | $656 |
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they have issues over time due to normal wear and tear. Having a home warranty in place can give you some peace of mind and prevent you from paying exorbitant out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty plan.
Filing a claim with your home warranty company is very easy. You can use an online portal system or a direct phone number to request service for a repair or replacement.
At this point, you'll pay the service fee, which is generally between $60 and $150, depending on what plan you select. After the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. If the repair is covered by the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs .
A home warranty plan will cover systems and appliances that have broken down due to normal wear and tear. For example, if your refrigerator suddenly needs repairs under normal use conditions, your home warranty provider can help. The appliances that are typically covered under a home warranty plan include a garbage disposal, clothes washer, clothes dryer, microwave, refrigerator, dishwasher, and more. The systems included are electrical systems, ductwork, plumbing, and air conditioning.
Many plans also provide add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, the home warranty will not cover it. Also, a home warranty does not cover lack of maintenance, misuse, pre-existing conditions, and cosmetic damages.
Since temperatures in Worcester can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Not to mention, having a home warranty can save you some time by getting rid of the need to research service technicians — most companies will send a trusted professional right to your door to complete the repair or replacement.
One drawback of signing up for a home warranty is that there are generally exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it's important to read over any contracts you're considering thoroughly to understand what is included and what isn't.
Another downside is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the affected systems and appliances probably won't be covered by the home warranty.
After looking into home warranties in Worcester, the next step is to determine which company you want to get a free quote from. Below are some tips on purchasing a home warranty in Worcester:
Our pick for the best overall home warranty in Worcester is Choice Home Warranty, but the best company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty helps protect against the normal wear and tear of home systems and appliances. A homeowners insurance plan protects the entire home in case of a situation such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or dishwasher, unless the damage is a result of a natural disaster, which are somewhat common in Worcester.
The type of home warranty you need depends on what's a priority to you. A less expensive plan may have higher service fees and deductibles, whereas a higher-priced plan may have lower deductibles and provide more coverage. If you have a home that is on the older end and therefore may have older systems, you may want to get a higher-coverage policy. The company's reputation and available plans are the main two things to look for when picking a home warranty company.
Typically the homeowner pays for the home warranty. In some cases, however, the one selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Worcester is $258,259, a home warranty can help you avoid further costs when buying a home.
A home warranty policy can cost on average anywhere from about $300 to $800 a year in Worcester. Our high-rated home warranty providers' 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 typically less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best value is.
A home warranty policy covers repair and replacement costs for home systems and appliances. Home warranties only cover damage due to normal wear and tear and usually don't cover something that happened as a result of a pre-existing condition.
