Written By David Cusick
Last Updated April 2024
Owning a home in Laconia has many great advantages, but there are some negatives. Cold weather and snow can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty in Laconia can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
The home warranty market is saturated with a variety of providers — all with different offerings — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Laconia.
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
Liberty Home Guard offers the most trustworthy home warranty for Laconia residents. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read 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
Choice Home Warranty offers the best overall home warranty for Laconia residents. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read 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 Laconia residents. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000 at the maximum.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, 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 for Laconia residents. With a home warranty from AHS, you can benefit from 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. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500 at the maximum.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Laconia residents. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read 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
The Home Service Club offers the best home warranty with the quickest service for Laconia residents. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000 at the maximum.
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 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 | $6,218 |
Heating | $4,145 |
Electrical | $622 |
Toilets | $518 |
Washer/Dryer | $829 |
Plumbing | $622 |
Oven | $1,658 |
Fridge | $622 |
A home warranty is a protection policy that assists Laconia homeowners cut the high costs of household repairs. These plans offer financial coverage to fix or swap out appliances and systems that stop working from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives security for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with outdated systems. Newer builds with modern appliances probably don’t need a home warranty.
Home warranties safeguard both your home systems and appliances. Common covered appliances include refrigerators, dishwashers, garbage disposals, washers, dryers, microwaves, and more. Covered systems include electrical, plumbing, heating, and air conditioning. Many home warranty plans offer additional add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. Most home warranty plans require Laconia homeowners to wait 30 days before the plan will cover repairs. Moreover, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
There are several important considerations when choosing a home warranty provider:
Home warranty coverage varies, although most plans include protection for heating, AC, electrical, plumbing, and appliances. More extensive plans may also provide protection for extra things such as roof leaks, pools, spas, and well pumps. Look for providers with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with lower service fees to maximize savings. Some providers also remove deductibles when customers have a claim-free period.
A home warranty company's reputation can give you insight into things such as contractor quality, repair timeliness, approval rates, and customer service. Browse review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and feedback indicate a provider known for great service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Contact potential companies to learn the number of repair professionals they have in Laconia and get an idea of how fast your repairs could be handled in an emergency. Bigger networks increase the probability of getting qualified contractors to swiftly service your home.
Some home warranty providers may include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These can offer extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your warranty policy.
Temperatures in Laconia can drop to the negatives in the winter, which means your heating system is likely to get a good bit of use. As a homeowner in Laconia, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
In addition, having a home warranty can save you time by removing the need to research repair people — most companies will send a trusted professional right to your door to do the repair or replacement. A home warranty can also yield value in other ways. For example, some policies can be transferred between owners when you sell your home.
Home warranties also have some downsides. Though it can be convenient that the home warranty sends out a service technician who handles the repair for you, some may not like this, and they would prefer to choose a contractor themselves. If that’s important to you, some home warranty plans let you select a contractor.
Another downside is that home warranties may not include some repairs, like 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.
A home warranty plan costs, on average, around $300 to $600 a year in Laconia. Our high-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 less expensive 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 covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in case of something such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim should you need a new washing machine or stove, unless the damage is due to a natural disaster, which isn't that common in Laconia.
Homebuyers, real estate agents, homeowners, home sellers, and landlords can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Laconia include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, such as your dishwasher, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the plan.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some companies may offer month-to-month options.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Laconia is $390,826, a home warranty can be an added asset when buying a home.