Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
Middletown offers homeowners some beautiful housing options. However, unanticipated repair and replacement costs on your home’s appliances and systems can get quite costly. A home warranty can offer you the peace of mind you need and shield your bank account from unexpected expenses by covering your home’s major systems and appliances.
Choosing the best home warranty on the market can be a challenge because of the many options available. If you're tired of trying to compare them all, keep reading for our guide to the best home warranty companies in Middletown.
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 offers the most trustworthy home warranty in Middletown. Liberty is a home warranty company with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. 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. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000.
To read more, visit our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, you can 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 offers the best overall home warranty in Middletown. Choice is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. 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. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000.
To read more, visit our Choice Home Warranty Review. To receive a free quote from Choice Home Warranty, you can 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 offers the most cost-effective home warranty in Middletown. Select is a home warranty company with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. 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. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
To read more, visit our Select Home Warranty Review. To receive a free quote from Select Home Warranty, you can 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 is a home warranty company with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. 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. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500.
To read more, visit our American Home Shield Review. To receive a free quote from American Home Shield, you can 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Middletown. Cinch is a home warranty company with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. 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. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
To read more, visit our Cinch Home Services Review. To receive a free quote from Cinch Home Services, you can 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 offers the best home warranty with the quickest service in Middletown. HSC is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. 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. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
To read more, visit our The Home Service Club Review. To receive a free quote from The Home Service Club, you can 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 | $6,611 |
| Heating | $4,407 |
| Electrical | $661 |
| Toilets | $551 |
| Washer/Dryer | $881 |
| Plumbing | $661 |
| Oven | $1,763 |
| Fridge | $661 |
A home warranty is a protection plan that helps Middletown homeowners reduce the expenses of appliance and system repairs. The plans offer coverage to fix or replace appliances and systems that malfunction due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty plan gives homeowners a sense of security because it can help avoid costly 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 require a home warranty.
Home warranties cover your household systems and appliances. Covered appliances typically include washers, garbage disposals, dryers, dishwashers, microwaves, refrigerators, and more. Covered systems include plumbing, electrical, air conditioning, and heating. Many home warranty companies also provide additional coverage for septic systems, central vacuums, locksmiths, and roof leaks. Middletown should understand that most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or improperly using a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some essential home warranty terms to understand before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranties have significant variation in what they include. Basic plans typically include AC, plumbing, electrical, heating, and appliances, while more comprehensive options may also cover pools, well pumps, roof leaks, and spas. Look for companies with varied coverage options, including upgraded plans. This allows you to tailor protection to your 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, some homeowners prefer to choose a provider with lower service fees to maximize savings. Some providers also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation provides insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Favorable ratings and reviews indicate a provider known for stellar service.
Home warranty providers maintain networks of professionals to handle covered repairs. More extensive networks increase the likelihood of getting qualified technicians to swiftly service your home. Contact potential providers to find out how many contractors they have in Middletown to get a sense of how soon your repairs could happen in an emergency.
Home warranty companies often include bonuses such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These extras add value beyond just repair coverage. Added perks help maximize the usefulness of your home warranty.
Home warranty plans are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Middletown hitting an average high of 57℃F, you may find that some appliances, such as your air conditioner, get a lot of use. A home warranty can remarkably decrease out-of-pocket costs should your HVAC system break down.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of having to vet service technicians yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Another benefit of having a home warranty is if you want to sell your home, you can most likely transfer your home warranty to the new owners. This can make your home more attractive to potential homebuyers and may help your home sell faster.
Home warranties also have some drawbacks. Though it can give you less to worry about since the home warranty sends out a repair technician who carries out the repair for you, some homeowners may not like this, and they would rather choose their own contractor. If that’s important to you, some home warranty plans let you choose a contractor.
Another possible pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your claims being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Middletown can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have broader coverage, a lower service fee, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some companies will also lower 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 types of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new refrigerator or oven, unless the damage is due to a natural disaster, which isn't that common in Middletown.
First-time homebuyers, landlords, real estate agents, home sellers, and homeowners can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
A home warranty plan will cover your systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Home warranty plans typically offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, however, the one selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Middletown is $663,776, a home warranty can be an added asset when buying a home.
