Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
As much as you may love homeownership in Hartford, there's always that concern about whether your appliances and systems are going to need repairs over the next few years. A home warranty plan can help protect you by cutting the costs of major repairs and replacements on your home’s most important systems and appliances.
Finding the best protection for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Hartford. Keep reading for our home warranty recommendations.
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 Hartford, Choice Home Warranty offers the best overall home warranty. Choice has more than 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Choice has 2 simple plans, making the selection process easy. 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.
Choice Home Warranty has 2 plans that offer a combination 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.
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
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 Hartford, American Home Shield offers the most customizable home warranty. AHS has more than 26 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. AHS has 3 simple plans, making the selection process easy. 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.
American Home Shield has 3 plans that offer a combination 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.
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
In Hartford, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has more than 44 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Cinch has 3 simple plans, making the selection process easy. 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.
Cinch Home Services has 3 plans that offer a combination 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.
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
In Hartford, The Home Service Club offers the best home warranty with the quickest service. HSC has more than 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. HSC has 2 simple plans, making the selection process easy. 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 Home Service Club has 2 plans that offer a combination 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.
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 | $5,950 |
| Heating | $3,966 |
| Electrical | $595 |
| Toilets | $496 |
| Washer/Dryer | $793 |
| Plumbing | $595 |
| Oven | $1,587 |
| Fridge | $595 |
A home warranty is a protection policy that helps Hartford homeowners lower the expenses of appliance and system repairs. The plans provide financial coverage to repair or swap out 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 company then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent costly emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are dryers, microwaves, washers, refrigerators, dishwashers, garbage disposals, and more. Included systems are usually heating, air conditioning, electrical, and plumbing. Many home warranty companies provide add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Most home warranty plans require Hartford homeowners to refrain from making claims for 30 days before the plan will cover repairs. Additionally, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some essential home warranty words to understand before signing a contract:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans include protection for AC, electrical, heating, plumbing, and appliances. More inclusive options also offer coverage on other items such as roof leaks, pools, spas, and well pumps. Look for companies with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out providers advertising more affordable 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 track record gives insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Positive ratings and reviews indicate a provider known for stellar service.
Home warranty providers keep networks of local technicians to handle repairs in your area. Reach out to potential providers to learn how many repair technicians they have in Hartford and get an idea for how quickly your repairs could take place in an emergency situation. Bigger networks increase the likelihood of getting qualified contractors to quickly service your home.
Home warranty providers may include extras such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These can add value beyond basic repair coverage. Added perks maximize the usefulness of the home warranty.
Since temperatures in Hartford can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances breaks all of a sudden.
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 a contractor from their network right to your door when you need them. In addition, though home warranty companies vary, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some drawbacks. Though it can save you time when the home warranty sends out a contractor who carries out the repair for you, some people may not like this, and they would prefer to choose a contractor themselves. If that’s the case for you, some home warranty plans allow you to select a contractor.
Another thing to take into consideration is that some companies 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 need more information or if this is a problem for you.
A home warranty in Hartford 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. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects your entire home from natural disasters, which might not be too much of a concern in Hartford. It doesn't cover a normal appliance or system damage.
First-time homebuyers, homeowners, landlords, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
A home warranty can cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some providers may offer month-to-month options.
Typically, the homeowner pays for the home warranty. In some cases, however, the home seller 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. Considering that the average home value in Hartford is $326,304, a home warranty can save you some money when buying a home.
