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Last Updated: February 25, 2025
There are many perks of owning a home, but as your Chester home gets older, you may have to update or repair your systems and appliances. A home warranty policy can help protect you by reducing the costs of major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be difficult, as there are dozens of companies to choose from. That’s why our team at Today's Homeowner did the research and put together a list of the top home warranty companies in Chester for you.
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 Chester residents. Liberty has 3 plans for you to choose from. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the plan for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Chester area.
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 Liberty Home Guard full review 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 Chester residents. Choice has 2 plans for you to choose from. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Chester area.
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 Choice Home Warranty full review 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 Chester residents. Select has 3 plans for you to choose from. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the plan for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Chester area.
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 Select Home Warranty full review 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 Chester residents. AHS has 3 plans for you to choose from. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Chester area.
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 American Home Shield full review to learn more.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage for Chester residents. First American has 2 plans for you to choose from. If you’re looking for very affordable and comprehensive appliance coverage, this is the plan for you. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Chester area.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our First American Home Warranty full review to learn more.
Basic Plan
Premier Plan
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 Chester residents. Cinch has 3 plans for you to choose from. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Chester area.
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 Cinch Home Services full review 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 Chester residents. HSC has 2 plans for you to choose from. 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, this is the plan 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Chester area.
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 The Home Service Club full review 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 | $6,229 |
| Heating | $4,153 |
| Electrical | $623 |
| Toilets | $519 |
| Washer/Dryer | $831 |
| Plumbing | $623 |
| Oven | $1,661 |
| Fridge | $623 |
A home warranty is a protection plan that assists Chester homeowners lower the costs of appliance and system repairs. The plans provide financial coverage to fix or swap out appliances and systems that malfunction due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent expensive emergency repairs. Home warranties are the most 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 appliances covered include microwaves, dishwashers, refrigerators, dryers, garbage disposals, washers, and more. Included systems are usually plumbing, heating, electrical, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Chester homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only help pay for repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before signing a home warranty contract, you should understand key terms like:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans cover AC, heating, electrical, plumbing, and appliances. More inclusive options also offer coverage on other items such as pools, well pumps, spas, and roof leaks. Look for a company that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
You'll pay a repair fee, normally ranging from $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 look for companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation can give you insight into things such as contractor quality, approval rates, repair timeliness, and customer satisfaction. Browse review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Contact potential businesses to learn the number of repair specialists they have in Chester and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks raise the probability of getting qualified contractors to quickly service your home.
Certain home warranty providers offer perks such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These can provide extra value beyond repair coverage. Added perks enhance your home and help 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 is designed to cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, preventing you from spending a lot of money out of pocket.
A home warranty also can also save you time and energy. Instead of spending hours finding and selecting a technician to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. In addition, though it varies by company, some providers will let you transfer your warranty in the event that you sell your home. This can make your home more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some drawbacks. While it can be convenient that the home warranty sends out a contractor who does the repair for you, some people may not like this, and they may want to choose a contractor themselves. If that’s the case for you, some home warranty companies 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 impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty plan 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 get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's often 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 home systems and appliances. A homeowners insurance plan protects your entire home in case of a situation such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim if you need a new washing machine or dishwasher, unless the damage is a result of a natural disaster, which isn't that common in Chester.
First-time homebuyers, home sellers, homeowners, real estate agents, and landlords can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Chester include plans that cover either appliances or systems as well as combination plans. A combination plan covers almost all your home systems and appliances, including your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the policy.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, though, 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. Considering that the average home value in Chester is $606,660, a home warranty can be an added asset when buying a home.
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