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Last Updated: February 25, 2025
Homeownership in Merton comes with many perks, but it also comes with its challenges. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty is a way to protect your savings account from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
Finding the right warranty for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Merton. 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
Choice Home Warranty is the best overall home warranty for Merton residents. 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 homeowners to choose from. With a home warranty from Choice, you can benefit from 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Merton area.
For a more detailed breakdown, read our full review of Choice Home Warranty. To get a free quote from Choice Home Warranty, 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
American Home Shield is the most customizable home warranty for Merton residents. AHS is a home warranty provider with 26 years of experience in the industry, and it has become one of the best providers in the business. AHS offers 3 plans for homeowners to choose from. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Merton area.
For a more detailed breakdown, read our full review of American Home Shield. 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Merton residents. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. Cinch offers 3 plans for homeowners to choose from. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Merton area.
For a more detailed breakdown, read our full review of Cinch Home Services. 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
The Home Service Club is the best home warranty with the quickest service for Merton residents. HSC 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. HSC offers 2 plans for homeowners to choose from. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it 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. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Merton area.
For a more detailed breakdown, read our full review of The Home Service Club. 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 | $6,291 |
| Heating | $4,194 |
| Electrical | $629 |
| Toilets | $524 |
| Washer/Dryer | $839 |
| Plumbing | $629 |
| Oven | $1,678 |
| Fridge | $629 |
A home warranty is a protection policy that assists Merton homeowners reduce the costs 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 submit 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 exceeds the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with aging systems. Newer homes with functional fixtures probably don’t need a home warranty.
Home warranties protect many home systems and appliances. Common covered appliances are microwaves, garbage disposals, washers, refrigerators, dishwashers, dryers, and more. Protected systems include heating, air conditioning, electrical, and plumbing. Various home warranty plans offer additional coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Merton homeowners should 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 that result from normal wear and tear. Home warranties don't cover things like pre-existing conditions, cosmetic issues, natural disasters, or improper use of a system or appliance. You need to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by the policy.
Here are some key home warranty words to know before signing a contract:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty plans vary widely in what they include. Most plans provide protection for heating, plumbing, AC, electrical, and appliances. More inclusive options also extend protection to other items such as pools, well pumps, roof leaks, and spas. Look for a provider that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles after periods where a customer files no claims.
A home warranty company's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and 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 that a provider is known for quality service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential companies to learn the number of repair specialists they have in Merton and get an idea of how quickly your repairs could be handled in an emergency. Larger networks increase the probability of getting qualified contractors to promptly service your home.
Some home warranty providers include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can provide extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your warranty policy.
Temperatures in Merton can drop to the negatives in the winter, which means your heating system is most likely going to get a lot of use. As a homeowner in Merton, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
In addition, having a home warranty can save you time by getting rid of the need to research repair people — most providers will send a trusted professional right to your door to carry out the repair or replacement. Another added benefit of having a home warranty plan is that it can increase your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you have your home warranty with.
As for the disadvantages of home warranties, coverage varies by company, so it’s important to review what each policy covers and doesn’t include in the contract.
Another thing to keep in mind is that some providers don’t cover pre-existing conditions and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about it if you aren’t sure or if this is an issue for you.
A home warranty policy costs, on average, around $300 to $600 a year in Merton. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of a situation such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or stove, unless the damage is due to a natural disaster, which isn't that common in Merton.
Homebuyers, homeowners, real estate agents, landlords, and home sellers can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty policy will cover your appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some companies may offer month-to-month plans.
Generally, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees. In Merton, where the median home value is $629,169, having the seller pay for the home warranty can save you some money on your new home.
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