Written By Todays Homeowner Local Pros
Last Updated May 2023
Get the most out of your home warranty with these top home warranty companies in Middletown. With a relatively mild climate, Middletown is a great place to own a home. However, homeownership comes with its difficulties, like maintaining your home's systems and appliances.
A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be remarkably lower and allow you to live in your home with more peace of mind. Although a home warranty can help with your expenses as a homeowner, one issue is narrowing down the best choice for your Middletown home. That's why we've done the research and have compiled a guide of the best home warranty options in Middletown.
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 Middletown. Choice has been in the home warranty business for around 15 years. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the provider 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. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.
To read more, visit our thorough review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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 Middletown. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, 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 Middletown 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. The coverage caps associated with Select's plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
For a more detailed breakdown, read our thorough review of Select Home Warranty. 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 Middletown. AHS has been in the home warranty business for over 26 years. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it 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. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered system or appliance.
For a more detailed breakdown, 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.
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 Middletown. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage.
The Home Service Club offers 2 plans for Middletown homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information on this provider, read our comprehensive review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Middletown. Liberty has about 6 years of experience in the home warranty industry and in that time has built a a skilled network of service professionals nationwide. Liberty has 3 plans for homeowners to choose from. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Middletown homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read more by visiting our detailed review of Liberty Home Guard.
Total Home Guard
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
In Middletown, First American Home Warranty is the best home warranty for appliance coverage. First American has around 39 years of experience in the home warranty industry and in that time has built a an expansive network of service technicians in the country. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also 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. First American has 2 simple plans, making the selection process quick and easy.
First American Home Warranty offers 2 plans for Middletown homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American's service fees are a reasonable $85, and the coverage limits come out to about $1,500 per covered appliance or system.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit our thorough review of First American Home Warranty.
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 Middletown, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in business for around 44 years, making it a well-respected company in the industry. When you buy 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. Cinch has 3 simple plans, making the selection process quick and easy.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000 at the maximum.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our thorough review of Cinch Home Services.
Built-in Systems Plan
Complete Home 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|
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having a home warranty in place can offer you some peace of mind and prevent you from paying unexpected out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty policy.
When you have a system or appliance that experiences a problem, you file a claim with your home warranty provider. You can do so online or by calling customer support, and then a technician will come and fix the problem.
At this point, you'll also pay your service fee. Once the repair person takes a look at the issue, they will handle it at no cost to you. The only time you may have to pay out-of-pocket costs is if the repair or replacement is more than the item's coverage cap.
A home warranty offers coverage on your home's major appliances and systems and it can help cut back on how much you spend on maintaining your home. The appliances a home warranty typically covers include a stove, clothes dryer, cooktop, microwave, refrigerator, clothes washer, dishwasher, and more. The systems included are the air conditioning, plumbing, electrical, heating, and others.
Add-on options can vary by company but often include things such as a sprinkler system, second refrigerator, central vacuum, plumbing stoppages, and septic system.
Middletown homeowners should know that a home warranty policy will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like misuse of a system or appliance, pre-existing conditions, natural disasters, or cosmetic issues. You have to keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related issue will be covered by the policy.
Since temperatures in Middletown can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks suddenly.
Another added benefit of having home warranty coverage is that it can raise your home's property value. If you ever decide to sell your home, 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 buying a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it's important to read through the contracts you're considering carefully to understand what is included and what isn't.
Another drawback 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 most likely won't be covered by the home warranty.
Now that you're ready to get a home warranty policy, the first step is considering what appliances and systems you need coverage for. After that, you can compare plans and call different home warranty companies to get a free quote. Options can vary, so take into consideration the following factors when deciding on a home warranty company:
The top home warranty company in Middletown is Choice Home Warranty. Choice Home Warranty has an expansive network of professional contractors and a tremendous reputation in the Middletown area.
Homebuyers, home sellers, real estate agents, landlords, and homeowners are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The type of home warranty you need depends on what's important to you. A cheaper plan may have higher deductibles and lower coverage caps, whereas a costlier plan may provide more coverage and have lower service fees. If you have a home that has appliances and systems on the older end, you may want to consider a policy with more coverage. The company's reputation and available plans are the main two things to consider when selecting a home warranty company.
Generally a home warranty policy offers coverage for a year and you can renew it yearly. In Middletown where many rely on heating and A.C., renewing your policy could help mitigate large expenses if your HVAC system needs repairs.
Typically the homeowner is responsible for paying for the home warranty. In when selling a home, though, the one selling the home may purchase a home warranty 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 Middletown is $155,462, a home warranty can help you avoid further costs when buying a home.
A home warranty plan can cost on average around $300 to $800 a year in Middletown. 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. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.
Typically, coverage for a home warranty plan begins 30 days after payment. However, a few providers may allow you to file a claim before this, so check with customer service to find the exact waiting period for your case.