Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
With hot summers and cool winters, working home appliances and systems, especially HVAC, are very important for homeowners in Saybrook. A home warranty can help protect you by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the right warranty for your home can be challenging, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Saybrook. Read on for our 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 Saybrook. Liberty has more than 6 years of industry experience and in that time has built a an network of service professionals in the country. When you purchase a policy 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 home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
For more information, read our full review of Liberty Home Guard. To receive 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 is the best overall home warranty in Saybrook. Choice has more than 15 years of industry experience and in that time has built a an network of service professionals in the country. When you purchase a policy 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 home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
For more information, read our full review of Choice Home Warranty. To receive 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 is the most cost-effective home warranty in Saybrook. Select has more than 11 years of industry experience and in that time has built a an network of service professionals in the country. When you purchase a policy 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 home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
For more information, read our full review of Select Home Warranty. To receive 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 is the most customizable home warranty in Saybrook. AHS has more than 26 years of industry experience and in that time has built a an network of service professionals in the country. When you purchase a policy 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 home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
For more information, read our full review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 is the best home warranty for appliance coverage in Saybrook. First American has more than 39 years of industry experience and in that time has built a an network of service professionals in the country. When you purchase a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for many of the major systems and appliances, and service fees are a reasonable $85.
For more information, read our full review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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 is the home warranty with the best workmanship guarantee in Saybrook. Cinch has more than 44 years of industry experience and in that time has built a an network of service professionals in the country. When you purchase a policy 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 home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information, read our full review of Cinch Home Services. To receive 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 is the best home warranty with the quickest service in Saybrook. HSC has more than 15 years of industry experience and in that time has built a an network of service professionals in the country. When you purchase a policy 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 home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information, read our full review of The Home Service Club. To receive 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 | $5,631 |
| Heating | $3,754 |
| Electrical | $563 |
| Toilets | $469 |
| Washer/Dryer | $751 |
| Plumbing | $563 |
| Oven | $1,501 |
| Fridge | $563 |
A home warranty is a protection policy that helps Saybrook homeowners reduce the high costs of household repairs. These plans offer financial coverage to fix or replace appliances and systems that stop working from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix 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 security for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with aging systems. More modern builds with working appliances probably don’t need a home warranty.
Home warranties safeguard your home systems and appliances. Common appliances covered under a home warranty include microwaves, washers, dryers, dishwashers, refrigerators, garbage disposals, and more. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranty plans also offer add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. It's important for Saybrook homeowners to know that most home warranty policies have a 30-day period you must wait before they can be used to cover 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, natural disasters, pre-existing conditions, or damage caused by improperly using a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by the policy.
There are a number of home warranty terms to learn before signing an agreement, including:
There are several important considerations when choosing a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic policies typically cover AC, plumbing, electrical, heating, and appliances, while more comprehensive options may also cover well pumps, pools, roof leaks, and spas. Focus on providers with broad coverage options including upgraded plans. Flexibility like this will help you customize protection for your home's needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for companies advertising lower service fees to optimize savings on each repair claim. Certain providers may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation provides insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Use review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and feedback indicate a provider known for great service.
Home warranty providers keep networks of contractors to handle covered repairs. More extensive networks improve the likelihood of getting qualified technicians to quickly service your home. Reach out to potential providers and ask how many contractors they have in Saybrook to get a sense of how quickly your repairs could be handled in an emergency.
Home warranty companies sometimes offer extras such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These can add value beyond just repair coverage. Added perks maximize the usefulness of the home warranty.
Temperatures in Saybrook can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Saybrook, one benefit of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
A home warranty also saves you time and energy. Instead of spending hours researching and selecting a repair person 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. Plus, 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 property more attractive to potential homebuyers and maybe even help your home sell faster.
There are also some negatives to buying a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another thing to take into consideration is that some providers don’t cover pre-existing issues and may require an inspection before coverage begins. 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 in Saybrook can cost anywhere from $30 to $60 a month. Higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some companies 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 covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire 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 dryer or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Saybrook.
A home warranty plan can help investors, homebuyers, homeowners, real estate agents, and home sellers. It can provide peace of mind and savings to anyone involved with homeownership.
The different types of home warranties in Saybrook include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers your home systems and appliances, including your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the policy.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Typically, the person who owns the home pays for the home warranty. In some cases, however, the home seller may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Saybrook is $179,966, a home warranty can save you some money when buying a home.
