Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Windsor can be costly, especially as your home ages and your appliances and systems have to be repaired or replaced. A home warranty in Windsor can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
Finding the best home warranty on the market can be overwhelming, since there are lots of companies to choose from. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Windsor for you.
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 Windsor, Choice Home Warranty is the best overall home warranty. Choice has 2 simple plans, making the selection process easy. With a home warranty from Choice, you can enjoy 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.
Choice Home Warranty offers 2 plans for Windsor 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.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 Windsor, American Home Shield is the most customizable home warranty. AHS has 3 simple plans, making the selection process easy. With a home warranty from AHS, you can enjoy 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.
American Home Shield offers 3 plans for Windsor 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.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our review of American Home Shield to learn more.
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 Windsor, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process easy. With a home warranty from Cinch, you can enjoy 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.
Cinch Home Services offers 3 plans for Windsor 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.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our review of Cinch Home Services to learn more.
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 Windsor, The Home Service Club is the best home warranty with the quickest service. HSC has 2 simple plans, making the selection process easy. With a home warranty from HSC, you can enjoy 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.
The Home Service Club offers 2 plans for Windsor 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.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our review of The Home Service Club to learn more.
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 | $6,310 |
| Heating | $4,206 |
| Electrical | $631 |
| Toilets | $526 |
| Washer/Dryer | $841 |
| Plumbing | $631 |
| Oven | $1,683 |
| Fridge | $631 |
A home warranty is a protection policy that helps Windsor homeowners lower the expenses of appliance and system repairs. The plans provide financial coverage to fix 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 cost of repair or replacement goes over the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid expensive emergency repairs. The coverage is especially helpful for buyers of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and functioning appliances might not require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are microwaves, dishwashers, dryers, washers, refrigerators, garbage disposals, and more. Included systems are typically air conditioning, electrical, heating, and plumbing. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. It's important for Windsor homeowners to know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like natural disasters, pre-existing conditions, cosmetic issues, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Before signing a home warranty contract, you should learn key terms like:
There are several key considerations when choosing a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans provide coverage for plumbing, heating, electrical, AC, and appliances. More comprehensive plans also include protection for other items such as spas, pools, well pumps, and roof leaks. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your home's needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation provides insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Check review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty companies maintain networks of local technicians to handle repairs in your area. Contact potential providers to learn how many repair technicians they have in Windsor and get an idea for how quickly your repairs might happen in an emergency situation. Wider networks increase the likelihood of getting qualified contractors to swiftly service your home.
Certain home warranty companies include perks such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These bonuses can offer extra value beyond repair coverage. Extra perks help improve your home and help maximize your home warranty.
Temperatures in Windsor can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Windsor, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
Along with saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair problems you may experience. Additionally, having a home warranty can help make your house more attractive to potential homebuyers should you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you’ve been benefiting from.
One downside of purchasing a home warranty is that there are generally exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it’s important to read through the contracts you’re considering carefully to understand what is included and what isn’t.
Another consideration is that home warranties typically only cover repairs needed due to normal wear and tear. They often won’t cover systems or appliances that need repairs or replacements due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty costs, on average, around $300 to $600 a year in Windsor. 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 opting for a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in case of something such as a fire or natural disaster. With homeowners insurance, you will not be able to file a claim if you need a new dryer or stove, unless the damage is a result of a natural disaster, which is somewhat common in Windsor.
First-time homebuyers, home sellers, homeowners, landlords, and real estate agents are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different types of home warranties in Windsor include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your systems and appliances, such as your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the plan.
Home warranty plans typically offer coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Usually, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Windsor, where the median home value is $449,685, having the seller pay for the home warranty can be a good asset for your new home.
