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Last Updated: February 25, 2025
As much as you may enjoy homeownership in Amherst, there's always that concern about whether your appliances and systems are going to hold up during the next few years. A home warranty in Amherst can help bring down 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.
Finding the right warranty for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Amherst. Read on for our top provider recommendations.
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 is the most trustworthy home warranty in Amherst. Liberty has been in the home warranty industry for over 6 years. When you purchase a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty offers include options for appliance and system coverage.
Liberty Home Guard has 3 plans that offer 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.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our Liberty Home Guard full review.
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 is the best overall home warranty in Amherst. Choice has been in the home warranty industry for over 15 years. When you purchase a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans that Choice offers include options for appliance and system coverage.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. 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.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty full review.
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 is the most cost-effective home warranty in Amherst. Select has been in the home warranty industry for over 11 years. When you purchase a home warranty 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. The 3 plans that Select offers include options for appliance and system coverage.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with Select’s plans are around the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our Select Home Warranty full review.
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 is the most customizable home warranty in Amherst. AHS has been in the home warranty industry for over 26 years. 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. The 3 plans that AHS offers include options for appliance and system coverage.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are around the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our American Home Shield full review.
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 is the home warranty with the best workmanship guarantee in Amherst. Cinch has been in the home warranty industry for over 44 years. When you purchase a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans that Cinch offers include options for appliance and system coverage.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most major systems and appliances, and 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 give them a call at 877-589-0505. For a more detailed breakdown, read our Cinch Home Services full review.
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 is the best home warranty with the quickest service in Amherst. HSC has been in the home warranty industry for over 15 years. When you purchase 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 2 plans that HSC offers include options for appliance and system coverage.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. The coverage caps associated with HSC’s plans are around the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our The Home Service Club full review.
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 | $6,211 |
| Heating | $4,141 |
| Electrical | $621 |
| Toilets | $518 |
| Washer/Dryer | $828 |
| Plumbing | $621 |
| Oven | $1,656 |
| Fridge | $621 |
A home warranty is a protection plan that helps reduce the high costs for Amherst homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out 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 company 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 peace of mind to homeowners, as it helps prevent expensive emergency repairs. Home warranties are particularly useful for older construction homes with aging systems. New homes with up-to-date appliances may not need a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are dryers, refrigerators, dishwashers, microwaves, washers, garbage disposals, and more. Covered systems are typically heating, air conditioning, electrical, and plumbing. Many home warranty companies provide add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Amherst homeowners should know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like cosmetic issues, pre-existing conditions, natural disasters, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by your policy.
Before signing a home warranty contract, you should learn key terms like:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies widely in the items that are included. Most plans include protection for heating, electrical, AC, plumbing, and appliances. More comprehensive plans also offer coverage on other items such as pools, roof leaks, spas, and well pumps. Look for companies with varied coverage options, including upgraded plans. This allows you to customize your plan to 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 companies with lower service fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty company's track record provides insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Positive ratings and reviews indicate a provider known for stellar service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Reach out to potential providers to learn the number of repair professionals they have in Amherst and get an idea of how fast your repairs could be handled in an emergency. Wider networks improve the chance of getting qualified contractors to swiftly service your home.
Some home warranty companies include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These can offer extra value beyond repair coverage. Extra bonuses help you enhance your home and get the most from your warranty policy.
Temperatures in Amherst can drop to the negatives in the winter, which means your heating system is most likely going to get a good bit of use. As a homeowner in Amherst, one of the benefits of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of needing to vet contractors yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. A home warranty can also offer value in other ways. For example, some policies can be transferred to another owner when you sell your home.
One major drawback of home warranties is not every home system and appliance you care about may be covered. It’s important to research the different policies and sign up for one that covers all the appliances, systems, and add-ons you need.
Another potential pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your claims being denied, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, around $300 to $600 a year in Amherst. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's often cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects a home in a situation such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim should you need a new washing machine or oven, unless the damage is a result of a natural disaster, which is somewhat common in Amherst.
A home warranty can help investors, real estate agents, home sellers, homeowners, and homebuyers. It can offer peace of mind and savings to anyone involved with homeownership.
The different home warranties in Amherst include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your systems and appliances, including your washing machine, drier, and heating and cooling systems. A plan that only covers appliances or systems will cover only the items listed in the plan.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, though, the one selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Amherst is $318,349, a home warranty can be an added asset when buying a home.
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