Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Find the best home warranty that's right for you. Homeownership in Hampden can be a satisfying stage for many people, but it also comes with its fair share of worries. Home repairs can be an unforeseen financial burden for many homeowners.
A home warranty can help protect homeowners by lowering the costs of major repairs and replacements on your home's appliances and systems. Although a home warranty can help with your homeowner expenses, one issue is narrowing down the perfect choice for your Hampden home. That's why we've done the research and have put together a guide of the best home warranty plans in Hampden.
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 Hampden. 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. Choice offers 2 plans for you to decide between. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Hampden homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Hampden area.
For more information on this provider, read our detailed review of Choice Home Warranty. 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
Select Home Warranty offers the most cost-effective home warranty in Hampden. Select has over 11 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. When you buy 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. Select offers 3 plans for you to decide between.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. Select's service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered system or appliance.
Read our comprehensive review of Select Home Warranty to learn more. 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 is the most customizable home warranty for Hampden residents. AHS has been in the home warranty business for over 26 years. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. 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 call 888-365-2839. Read more by visiting our American Home Shield Review.
ShieldSilver
ShieldGold
ShieldPlatinum
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 in Hampden. HSC is a home warranty provider with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system 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. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000 at the maximum.
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 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 Hampden. Liberty has more than 6 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 plans for homeowners to decide between.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Hampden area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our Liberty Home Guard Review.
Appliance Guard
Systems 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
First American Home Warranty is the best home warranty for appliance coverage for Hampden residents. First American has been operating for about 39 years, making it a respected company in the industry. First American offers very affordable and comprehensive appliance coverage. Plus, 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.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For more information, read our review of First American Home Warranty.
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 Hampden residents. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 home warranty plans that Cinch offers include options for appliance and system coverage.
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 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.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our Cinch Home Services full review.
Appliances Plan
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 |
|---|---|
| Air Conditioner | $6,163 |
| Heating | $4,109 |
| Electrical | $616 |
| Toilets | $514 |
| Washer/Dryer | $822 |
| Plumbing | $616 |
| Oven | $1,643 |
| Fridge | $616 |
A home warranty is a coverage plan that helps homeowners manage the high costs of appliance and systems repairs. Home warranties will provide coverage for a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make it easier to budget and manage your finances. A home warranty plan generally has a 30-day waiting period from the time you purchase to when you can file your first claim.
Filing a claim with your home warranty company is straightforward. You can utilize an online portal system or a direct phone number to request service for a repair or replacement.
The claim is then processed, and a homeowner will pay the service fee to schedule the repair for their home. This repair will generally occur within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
A home warranty plan will cover home systems and appliances from normal wear. The appliances include a refrigerator, stove, clothes dryer, dishwasher, clothes washer, cooktop, microwave, and more. The systems included are the air conditioning, heating, electrical, plumbing, and others.
Many home warranty plans also provide add-on coverage options for locksmiths, roof leaks, septic systems, and even central vacuums.
A home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, natural disasters, and pre-existing conditions are not covered with a home warranty.
Since temperatures in Hampden can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Buying a home warranty can help homeowners save money if one of these systems or appliances stops working suddenly.
Not to mention, having a home warranty can save you some time by eliminating the need to research contractors — most companies will send a trusted professional right to your door to complete the necessary repair or replacement.
Home warranties also have some drawbacks. While it can save you time when the home warranty sends out a repair person who takes care of the repair for you, some may not like this, and they may want to select a contractor themselves. If that's important to you, some home warranty providers let you select a contractor.
Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They often won't cover home systems or appliances that need repairs or replacements due to improper maintenance, natural disasters, animal infestations, etc.
After reviewing home warranties in Hampden, the next step is to determine which company you'd like to receive a free quote from. Here is a list of factors that you'll want to take into consideration when selecting a home warranty provider:
The best home warranty provider in Hampden is Choice Home Warranty. Choice Home Warranty has a large network of experienced service technicians and a respected reputation in the Hampden area.
A home warranty is a kind of contract that covers the repairs and replacements of major home system components and appliances.
A home warranty covers the normal wear of systems and appliances in a home. A homeowners insurance plan protects a home in case of something such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new dryer or oven, unless the damage is a result of a natural disaster, which are not that common in Hampden.
The kind of home warranty you should look for depends on what your priorities are. A less expensive plan may have higher service fees and deductibles, while 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 two things to look for when choosing a home warranty company.
Most home warranty plans cover replacement costs in addition to repair costs. How much the home warranty will cover varies from one plan to the next. Home warranties will give you some money towards a replacement but the entire replacement may not be paid for.
Usually the homeowner pays for the home warranty. In some cases, however, the one selling the home may buy a home warranty plan 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 Hampden is $227,514, a home warranty can help you avoid more costs when buying a home.
The systems and appliances in a home are covered under a home warranty policy in Hampden. Everything from a fridge to a swimming pool can be covered under a home warranty depending on the plan.
