Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Are you thinking about getting a home warranty? Try one of our top home warranty companies. Northfield gives homeowners some great neighborhoods and the opportunity to enjoy the snow in the winter. However, those freezing temperatures can put quite a strain on your home's systems, such as your HVAC.
A home warranty plan can help protect homebuyers and current homeowners by lowering the costs of major repairs and replacements on your home's appliances and systems. Since the home warranty market is filled with many providers — all with different price points — the Today's Homeowner team decided to do the research for you to help you find the right home warranty in Northfield.
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 Northfield. Choice has been in the home warranty business for over 15 years. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Northfield homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered system or appliance.
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 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
Select Home Warranty offers the most cost-effective home warranty for Northfield residents. Select has 3 simple plans, making the selection process easy. 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 Northfield homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Northfield area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information on this provider, read 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
American Home Shield offers the most customizable home warranty in Northfield. AHS has more than 26 years of experience in the industry and in that time has built a an network of service technicians nationwide. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. When you purchase a home warranty 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For more information, read our American Home Shield full review.
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 for Northfield residents. When you buy a home warranty 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 warranty provider offers 2 plans to policyholders with various system and appliance coverage options.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
Read more by visiting our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 is the most trustworthy home warranty in Northfield. Liberty has been in the home warranty industry for about 6 years. 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. Liberty has 3 plans for you to decide between.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000 at the maximum.
For a more detailed breakdown, read our Liberty Home Guard Review. 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
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in Northfield. First American has been on the market for more than 39 years, making it a well-respected company in the industry. First American has 2 plans for homeowners to choose from. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty has 2 plans that offer a combination of appliance and system coverage. First American's service fees are a reasonable $85, and the coverage limits come out to around $1,500 for each covered system or appliance.
To read more, visit our First American Home Warranty full review. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Basic Plan
Premier Plan
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 for Northfield residents. Cinch has over 44 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 3 policies that Cinch offers include options for appliance and system coverage.
Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our detailed review of Cinch Home Services.
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 | $6,390 |
| Heating | $4,260 |
| Electrical | $639 |
| Toilets | $532 |
| Washer/Dryer | $852 |
| Plumbing | $639 |
| Oven | $1,704 |
| Fridge | $639 |
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having one in place can give you some peace of mind and guard your bank account from large out-of-pocket costs. Most home warranty plans take effect about 30 days after paying for the home warranty.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty service provider. Most companies have an online portal where you can do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
At this point, you'll also need to pay your service fee. Once the contractor takes a look at the issue, they will take care of it at no cost to you. The only time a Northfield homeowner may have to pay out-of-pocket costs is if the repair or replacement is over the item's coverage cap.
A home warranty plan provides coverage on your home's major appliances and systems and it can help reduce your home maintenance expenses. The appliances that are typically covered under a home warranty include a microwave, dishwasher, garbage disposal, clothes dryer, clothes washer, refrigerator, and more. The systems included are plumbing, ductwork, air conditioning, and electrical systems.
Add-on options can vary by plan but often include things such as a central vacuum, septic system, second refrigerator, plumbing stoppages, and sprinkler system.
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, your home warranty will not cover it. Also, a home warranty does not cover cosmetic damages, lack of maintenance, pre-existing conditions, and misuse.
Since temperatures in Northfield 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 all of a sudden.
Another good thing about having a home warranty is if you want to sell your home, some providers let you transfer your home warranty plan to the new owners. This can make your home more attractive to potential homebuyers and help your home sell faster.
One disadvantage of purchasing a home warranty is that there are often exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it's important to read over the contracts you're considering thoroughly to understand what is included and what isn't.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They commonly won't cover home systems or appliances that need repairs or replacements due to animal infestations, natural disasters, improper maintenance, etc.
After researching the basics of home warranties in Northfield, your next step is to determine which company you're interested in getting a free quote from. Policies can vary, so take into consideration the following factors when deciding on a home warranty provider:
Our pick for the best overall home warranty company in Northfield is Choice Home Warranty, but the right company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty can cover either your home's appliances and systems, or both. Combination plans are great if you need more coverage for your home, but a systems or appliance plan can be useful too if you want to save some money.
The type of home warranty you should look for depends on what's important to you. A cheaper plan may have higher service fees and deductibles, while a more expensive plan may provide more coverage and have lower service fees. If you have a home that has new appliances or systems, you may be able to get a cheaper plan. The company's reputation and available plans are the main things to consider when picking a home warranty company.
Generally a home warranty lasts for a year and you can renew it annually. In Northfield where many rely on heating and A.C., renewing your policy could help mitigate large, unexpected expenses if your HVAC system needs repairs.
Most home warranties cover replacement costs as well as repair costs. The coverage cap varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but the entire replacement may not be paid for.
The service fee is the price you pay every time there's an issue with a system or appliance and you file a claim with your home warranty. Service fees are typically priced between $60 and $150.
Most home warranties have a 30-day waiting period before you can make service requests, but some may let you file sooner so be sure to check with the company about this.
