Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Litchfield can be costly, particularly as your home ages and your appliances and systems have to be updated. A home warranty can bring you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major systems and appliances.
The home warranty market has many providers — all with different offerings — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Litchfield.
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 Litchfield residents. The 3 plans that Liberty offers include options for appliance and system coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered system or appliance.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our full 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
Choice Home Warranty offers the best overall home warranty for Litchfield residents. The 2 plans that Choice offers include options for appliance and system coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer 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 for each covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our full 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
Select Home Warranty offers the most cost-effective home warranty for Litchfield residents. The 3 plans that Select offers include options for appliance and system coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 for each covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our full 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
American Home Shield offers the most customizable home warranty for Litchfield residents. The 3 plans that AHS offers include options for appliance and system coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 for each covered system or appliance.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our full 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Litchfield residents. The 3 plans that Cinch offers include options for appliance and system coverage. 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.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our full 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
The Home Service Club offers the best home warranty with the quickest service for Litchfield residents. The 2 plans that HSC offers include options for appliance and system coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It 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 has 2 plans that offer a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our full 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 | $6,502 |
| Heating | $4,335 |
| Electrical | $650 |
| Toilets | $542 |
| Washer/Dryer | $867 |
| Plumbing | $650 |
| Oven | $1,734 |
| Fridge | $650 |
A home warranty is a protection policy that helps Litchfield homeowners lower the high costs of household repairs. These plans offer financial coverage to repair or swap out appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent costly emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as refrigerators, garbage disposals, dishwashers, dryers, washers, microwaves, and more. Covered systems include heating, electrical, plumbing, and air conditioning. Many home warranty providers also offer add-on coverage for locksmiths, roof leaks, central vacuums, and septic systems. Litchfield should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or improperly using a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Here are some essential home warranty words to understand before signing a contract:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage can have major differences in what's included. Most plans provide coverage for heating, electrical, plumbing, AC, and appliances. More comprehensive plans also include protection for other items such as spas, well pumps, pools, and roof leaks. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for providers advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation can offer insight into things such as approval rates for claims, contractor quality, speed of repairs, and customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. Bigger networks improve the likelihood of getting qualified contractors to your home quickly. Reach out to possible providers to ask how many technicians they have in Litchfield. This helps you understand how long repairs may take in an urgent situation.
Some home warranty providers offer extras such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These add value beyond just repair coverage. Extra bonuses help maximize the usefulness of the home warranty.
Temperatures in Litchfield 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 Litchfield, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of needing to vet contractors yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Another added benefit of having a home warranty policy is that it can raise your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
One disadvantage of a home warranty is that there are often exclusions. For example, 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 the contracts you’re considering carefully to understand what is included and what isn’t.
Another potential pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your claims being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, about $300 to $600 a year in Litchfield. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. Additionally, it's typically 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 covers normal wear and tear to home systems and appliances. Homeowners insurance protects the entire 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 should you need a new refrigerator or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Litchfield.
A home warranty policy can help homeowners, investors, real estate agents, home sellers, and homebuyers. It can offer peace of mind to anyone involved with homeownership.
A home warranty plan will cover your appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some providers may offer month-to-month plans.
Usually the one who owns the home pays for the home warranty. In some cases, however, the home seller may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Litchfield is $556,229, a home warranty can save you some money when buying a home.
