Written By David Cusick
Last Updated April 2024
Buying a home is a big step for many people, but the cost of maintaining it can be expensive over time, especially if your home in Chester is on the older side. A home warranty in Chester can help lower 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 difficult, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Chester. Keep reading for our home warranty 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
In Chester, Liberty Home Guard is the most trustworthy home warranty. Liberty is a home warranty provider with 6 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Liberty are easy to comprehend and have a mix of both system and appliance coverage. When you buy a plan 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
For more information on this provider, read our Liberty Home Guard full review. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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
In Chester, Choice Home Warranty is the best overall home warranty. Choice is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 plans from Choice are easy to comprehend and have a mix of both system and appliance coverage. When you buy a plan 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
For more information on this provider, read our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
In Chester, Select Home Warranty is the most cost-effective home warranty. Select is a home warranty provider with 11 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Select are easy to comprehend and have a mix of both system and appliance coverage. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
For more information on this provider, read our Select Home Warranty full review. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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
In Chester, American Home Shield is the most customizable home warranty. AHS is a home warranty provider with 26 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from AHS are easy to comprehend and have a mix of both system and appliance coverage. When you buy a plan 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. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
For more information on this provider, read our American Home Shield full review. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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
In Chester, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Cinch are easy to comprehend and have a mix of both system and appliance coverage. When you buy a plan 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information on this provider, read our Cinch Home Services full review. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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
In Chester, The Home Service Club is the best home warranty with the quickest service. HSC is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 plans from HSC are easy to comprehend and have a mix of both system and appliance coverage. When you buy a plan 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information on this provider, read our The Home Service Club full review. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,771 |
Heating | $4,514 |
Electrical | $677 |
Toilets | $564 |
Washer/Dryer | $903 |
Plumbing | $677 |
Oven | $1,806 |
Fridge | $677 |
A home warranty is a protection policy that assists Chester homeowners in reducing the costs of appliance and system repairs. The plans offer financial coverage to swap out or fix appliances and systems that break down due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who live in older homes or ones with outdated systems. More modern homes with functional appliances probably don’t need a home warranty.
Home warranties protect your household systems and appliances. Common covered appliances are microwaves, dishwashers, washers, refrigerators, garbage disposals, dryers, and more. Protected systems include air conditioning, electrical, plumbing, and heating. Various home warranty plans offer extra coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Chester homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, 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. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty policies differ significantly in terms of coverage. Most plans provide protection for plumbing, heating, electrical, AC, and appliances. More robust plans also include coverage for other items such as roof leaks, pools, spas, and well pumps. Look for providers with a diverse range of coverage options, including upgraded plans. This allows you to customize your plan to your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out providers advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive 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 contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Positive ratings and reviews indicate that a company is known for top-tier service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Contact potential businesses to learn the number of repair technicians they have in Chester and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks raise the chance of getting qualified contractors to quickly service your home.
Certain home warranty companies offer extras such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These provide extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Chester’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the repairs, preventing you from spending unexpected money out of pocket.
In addition, having a home warranty can save you time by eliminating the need to research contractors — most providers will send a trusted professional right to your door to complete the necessary repair or replacement. Another good thing about having a home warranty is when you’re selling your home, some providers let you transfer your home warranty policy to the new owners. This can make your house more attractive to potential homebuyers and help your house sell faster.
As for the downsides of home warranties, coverage varies by provider, so it’s important to understand what each policy covers and doesn’t include in the contract.
Another thing to keep in mind is that some companies don’t cover pre-existing problems and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about it if you aren’t sure or if this is an issue for you.
A home warranty policy costs, on average, about $300 to $600 a year in Chester. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. In addition, 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 plan helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim if you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in Chester.
A home warranty plan can help real estate agents, homeowners, investors, home sellers, and homebuyers. It can provide peace of mind and savings to anyone involved in homeownership.
A home warranty can cover your systems, appliances, or both. Combination plans are great if you'd like 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 companies may offer month-to-month plans.
Typically, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Chester, where the median home value is $477,002, having the seller pay for the home warranty can be a good asset for your new home.