Written By David Cusick
Last Updated April 2024
As much as you may love homeownership in Chatham, there's always that worry about whether your systems and appliances are going to hold up during the next few years. A home warranty can offer you the peace of mind you need and shield your savings account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be difficult because of the numerous options out there. If you're frustrated with trying to compare them all, keep reading for our guide on the top home warranty providers in Chatham.
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 in Chatham. Liberty is a home warranty provider with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. Liberty has 3 simple plans, making the selection process easy. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Chatham homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000 at the maximum.
Read our review of Liberty Home Guard to learn more. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
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 in Chatham. Choice is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. Choice has 2 simple plans, making the selection process easy. 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 Chatham homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000 at the maximum.
Read our review of Choice Home Warranty to learn more. To get a free quote from Choice Home Warranty, 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
Select Home Warranty offers the most cost-effective home warranty in Chatham. Select is a home warranty provider with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. Select has 3 simple plans, making the selection process easy. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it 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 Chatham 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. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000 at the maximum.
Read our review of Select Home Warranty to learn more. To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
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 Chatham. AHS is a home warranty provider with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. AHS has 3 simple plans, making the selection process easy. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Chatham homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500 at the maximum.
Read our review of American Home Shield to learn more. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 in Chatham. Cinch is a home warranty provider with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. Cinch has 3 simple plans, making the selection process easy. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Chatham homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000 at the maximum.
Read our review of Cinch Home Services to learn more. To get 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
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 Chatham. HSC is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. HSC has 2 simple plans, making the selection process easy. 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, HSC is the perfect provider for you. Plus, it 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 Chatham homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000 at the maximum.
Read our review of The Home Service Club to learn more. 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
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 | $7,281 |
Heating | $4,854 |
Electrical | $728 |
Toilets | $607 |
Washer/Dryer | $971 |
Plumbing | $728 |
Oven | $1,941 |
Fridge | $728 |
A home warranty is a protection policy that helps reduce the high costs for Chatham homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that stop working due to 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 reassurance to homeowners, as it helps prevent expensive emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are dryers, washers, garbage disposals, microwaves, dishwashers, refrigerators, and more. Covered systems are typically air conditioning, heating, electrical, and plumbing. Many home warranty companies offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Chatham homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies 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. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before signing a home warranty contract, you should know key terms like:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty policies can have major differences in covered items. Most plans provide protection for heating, plumbing, AC, electrical, and appliances. More comprehensive options also include coverage for other items such as pools, roof leaks, well pumps, and spas. Focus on providers with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize your plan to meet your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with lower service fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, 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 keep networks of local contractors to handle repairs in your area. Contact potential providers to find out how many repair professionals they have in Chatham and get an idea for how fast your repairs could take place in an emergency situation. Wider networks raise the likelihood of getting qualified contractors to promptly service your home.
Home warranty companies may offer extras such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These extras can add value beyond repair coverage. Additional perks maximize the usefulness of the home warranty.
Since temperatures in Chatham can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Having a home warranty plan can help homeowners save money if one of these systems or appliances stops working unexpectedly.
Not only does a home warranty provide some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. In addition, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your home more attractive to potential homebuyers and maybe even help your home sell faster.
Home warranties also have some drawbacks. While it can be convenient that the home warranty sends out a service technician who carries out the repair for you, some may not like this, and they would prefer to select their own contractor. If that’s the case for you, some home warranty companies allow you to choose a contractor.
Another drawback is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your house floods, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty in Chatham can cost between $30 and $60 a month. Higher-priced plans tend to have a lower service fee, higher coverage limits, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also reduce your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim if you need a new dryer or dishwasher, unless the damage is due to a natural disaster, which isn't that common in Chatham.
A home warranty plan can help homebuyers, investors, real estate agents, home sellers, and homeowners. It can provide peace of mind and savings to anyone involved in homeownership.
The different home warranties in Chatham include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your systems and appliances, including your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items listed in the contract.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, however, the person who is selling the home may buy 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 Chatham is $1,098,726, a home warranty can be an added asset when buying a home.