Written By David Cusick
Last Updated April 2024
Homeownership in Upper Hanover can be exciting for many people, but it also comes with its fair share of headaches. Home repairs can be an unexpected financial burden for many homeowners. A home warranty policy can help protect homebuyers and current homeowners by lowering the costs of major repairs and replacements on your home’s most important systems and appliances.
The home warranty market is saturated with many providers — all with different offerings — so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Upper Hanover.
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 Upper Hanover, Liberty Home Guard is the most trustworthy home warranty. Liberty has been in the home warranty industry for over 6 years. 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. Liberty offers 3 plans for homeowners to choose from.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information, read our review of Liberty Home Guard.
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 Upper Hanover, Choice Home Warranty is the best overall home warranty. Choice has been in the home warranty industry for over 15 years. 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. Choice offers 2 plans for homeowners to choose from.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, read our review of Choice Home Warranty.
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 Upper Hanover, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty industry for over 11 years. 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. Select offers 3 plans for homeowners to choose from.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information, read our review of Select Home Warranty.
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 Upper Hanover, American Home Shield is the most customizable home warranty. AHS has been in the home warranty industry for over 26 years. 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. AHS offers 3 plans for homeowners to choose from.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read our review of American Home Shield.
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
In Upper Hanover, First American Home Warranty is the best home warranty for appliance coverage. First American has been in the home warranty industry for over 39 years. 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. First American offers 2 plans for homeowners to choose from.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally about $1,500.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 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
In Upper Hanover, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for over 44 years. 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. Cinch offers 3 plans for homeowners to choose from.
The 3 plans from Cinch Home Services are 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 about $1,000-$2,000.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read our review of Cinch Home Services.
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 Upper Hanover, The Home Service Club is the best home warranty with the quickest service. HSC has been in the home warranty industry for over 15 years. 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. HSC offers 2 plans for homeowners to choose from.
The 2 plans from The Home Service Club are 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 about $2,000.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, read our review of The Home Service Club.
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 | $6,135 |
Heating | $4,090 |
Electrical | $614 |
Toilets | $511 |
Washer/Dryer | $818 |
Plumbing | $614 |
Oven | $1,636 |
Fridge | $614 |
A home warranty is a protection policy that assists Upper Hanover homeowners reduce the expenses of appliance and system repairs. The plans provide financial coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the fix 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 reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are the most useful for older houses or those with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include microwaves, garbage disposals, washers, refrigerators, dryers, dishwashers, and more. Covered systems are normally air conditioning, electrical, heating, and plumbing. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Upper Hanover homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or improperly using a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should learn key terms like:
There are several key factors to consider when selecting a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic policies typically include plumbing, heating, electrical, AC, and appliances, while more comprehensive plans may also cover roof leaks, well pumps, pools, and spas. Look for a company that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a provider with more affordable fees to maximize savings. Some companies also remove deductibles when customers have a claim-free period.
A home warranty provider's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Look at review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about companies. Positive reviews and ratings suggest a company known for delivering quality service.
Home warranty providers have networks of local technicians to handle repairs in your area. Contact potential providers to learn how many repair contractors they have in Upper Hanover and get an idea for how quickly your repairs could take place in an emergency situation. Larger networks improve the probability of getting qualified contractors to quickly service your home.
Home warranty providers sometimes offer bonuses such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These extras add value beyond basic repair coverage. Additional perks can maximize the usefulness of your home warranty.
Home warranty plans are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Upper Hanover hitting an average high of 61℃F, you may find that certain appliances, such as your air conditioning unit, get a lot of use. A home warranty can significantly lower out-of-pocket costs should your HVAC system stop working.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of having to vet service technicians by yourself, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. A home warranty can also have value in other ways. For instance, some policies can be transferred between owners when you sell your home.
Home warranties also have some downsides. Although it can be convenient that the home warranty sends out a service technician who takes care of the repair for you, some homeowners may not like this, and they may want to choose a contractor themselves. If that’s the case for you, some home warranty plans let you choose a contractor.
Another downside is that home warranties may not include some repairs, like those needed because of natural disasters. For example, if your house floods, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty policy costs, on average, about $300 to $600 a year in Upper Hanover. Our top-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 opting for a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects your entire home from natural disasters, which might not be too much of a concern in Upper Hanover. It doesn't cover a typical appliance or system breakage.
A home warranty policy can help real estate agents, investors, homebuyers, homeowners, and home sellers. It can provide peace of mind to anyone involved in homeownership.
The different home warranties in Upper Hanover include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover many of your home systems and appliances, such as your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items mentioned in the plan.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, however, the home seller may purchase 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 Upper Hanover is $339,849, a home warranty can save you some money when buying a home.