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Last Updated: February 25, 2025
Being a homeowner in Cumberland is a great option for those who enjoy up-and-coming areas. However, as great as Cumberland is, homeownership always comes with its fair share of difficulties, such as trying to finance your appliance and system repairs yourself. A home warranty can bring you the peace of mind you need and protect your bank account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best warranty for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Cumberland. Read on for our top provider 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
In Cumberland, Liberty Home Guard is the most trustworthy home warranty. When you purchase a home warranty 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 3 plans that Liberty offers include options for appliance and system coverage.
Liberty Home Guard offers 3 plans for Cumberland homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered appliance or system.
Read our review of Liberty Home Guard to learn more. To get 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
In Cumberland, Choice Home Warranty is the best overall home warranty. When you purchase a home warranty 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 2 plans that Choice offers include options for appliance and system coverage.
Choice Home Warranty offers 2 plans for Cumberland homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 for each covered appliance or system.
Read our review of Choice Home Warranty to learn more. To get 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
In Cumberland, Select Home Warranty is the most cost-effective home warranty. When you purchase 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. The 3 plans that Select offers include options for appliance and system coverage.
Select Home Warranty offers 3 plans for Cumberland 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. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 for each covered appliance or system.
Read our 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
In Cumberland, American Home Shield is the most customizable home warranty. When you purchase a home warranty 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 3 plans that AHS offers include options for appliance and system coverage.
American Home Shield offers 3 plans for Cumberland homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 for each covered appliance or system.
Read our review of American Home Shield to learn more. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Cumberland, Cinch Home Services is the home warranty with the best workmanship guarantee. When you purchase 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. The 3 plans that Cinch offers include options for appliance and system coverage.
Cinch Home Services offers 3 plans for Cumberland homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered appliance or system.
Read our review of Cinch Home Services to learn more. To get 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
In Cumberland, The Home Service Club is the best home warranty with the quickest service. When you purchase a home warranty 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 2 plans that HSC offers include options for appliance and system coverage.
The Home Service Club offers 2 plans for Cumberland homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered appliance or system.
Read our review of The Home Service Club to learn more. To get 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 | $6,378 |
| Heating | $4,252 |
| Electrical | $638 |
| Toilets | $532 |
| Washer/Dryer | $850 |
| Plumbing | $638 |
| Oven | $1,701 |
| Fridge | $638 |
A home warranty is a protection policy that helps Cumberland homeowners reduce the expenses of appliance and system repairs. The plans offer coverage to repair or replace appliances and systems that break down due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners peace of mind because it can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties cover many household systems and appliances. Covered appliances normally include microwaves, dishwashers, dryers, washers, garbage disposals, refrigerators, and more. Covered systems include heating, electrical, plumbing, and air conditioning. Many home warranty providers also offer add-on coverage for central vacuums, locksmiths, septic systems, and roof leaks. It's important for Cumberland homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, natural disasters, pre-existing conditions, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
Before signing a home warranty contract, you should know key terms like:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies widely in the items that are included. Most plans cover AC, electrical, plumbing, heating, and appliances. More robust coverage options also cover other items such as roof leaks, well pumps, pools, and spas. Look for companies with flexible coverage choices, including upgraded plans. This allows you to tailor protection to your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with more affordable fees to maximize savings. Some companies also remove deductibles when customers have a claim-free period.
A home warranty company's reputation can provide insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Browse review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty providers maintain networks of local technicians to handle repairs in your area. Contact potential providers to learn how many repair professionals they have in Cumberland and get an idea for how fast your repairs might happen in an emergency situation. Larger networks raise the probability of getting qualified contractors to quickly service your home.
Some home warranty plans provide bonuses such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These perks can add value beyond just repair coverage. Extra bonuses can maximize the usefulness of your home warranty.
Since temperatures in Cumberland can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances breaks suddenly.
In addition to saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may come across. Another benefit of having a home warranty is when you’re selling your home, you can most likely transfer your home warranty plan to the new owners. It can make your house more attractive to potential homebuyers and help your house sell faster.
There are also some downsides to buying a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They often won’t cover home systems or appliances that have been damaged due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty plan costs, on average, around $300 to $600 a year in Cumberland. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover issues related to 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 plan that protects the entire home from natural disasters, which can be a concern in Cumberland. It doesn't cover a typical appliance or system breakage.
First-time homebuyers, real estate agents, landlords, homeowners, and home sellers 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.
A home warranty policy will cover your systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
Usually the homeowner pays for the home warranty. In some cases, however, the person who is selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Cumberland is $449,207, a home warranty can save you some money when buying a home.
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