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6 best home warranty companies in Bristol, Connecticut

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

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A home warranty gives you financial protection if a major home system or appliance suddenly breaks down. For a monthly fee, the warranty company covers repair and replacement costs for items like HVAC units and refrigerators when they break down from normal use.

Did you know that the typical life span of an HVAC system is seven to 25 years? Other major systems, such as water heaters, only last an average of six to 12 years. Most appliances last just 20 years or fewer, according to the International Association of Certified Home Inspectors.

If your Bristol home contains aging furnaces, dishwashers or the like, you'll likely encounter an unexpected breakdown. These leading home warranty firms provide robust coverage at fair prices.

A standard homeowners insurance policy doesn't cover normal appliance wear and tear. With supplementary coverage from one of these home warranty companies, you'll have additional peace of mind in case of an unexpected breakdown.

Our Top Pick
Provider logo
4.5
Our Rating
  • Extends 60-day workmanship guarantee
  • Holds high customer ratings
  • Offers customization with 38 add-ons
Explore Plans
Provider logo
4.4
Our Rating
  • Covers rust and corrosion damage
  • Offers comprehensive coverage limits
  • Provides flexible service fees
$150 Off Any Plan
Explore Plans
Provider logo
3.8
Our Rating
  • Charges low premiums
  • Includes roof-leak coverage
  • Offers solid HVAC coverage
Explore Plans

Find the best home warranty for you in Bristol

Here's our list of the best home warranty companies in Bristol:

2-10 Home Buyers Warranty

2-10 Home Buyers Warranty

4.5/5

Average monthly costs: $22.00 - $80.00

2-10 has three coverage plans with flexible service call fees and perks like appliance color matching. The company also has an "Even If" guarantee that refunds your service call fees if your covered item can't be fixed or replaced.

What we like

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

What we don't like

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans
Liberty Home Guard

Liberty Home Guard

4.6/5

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

What we like

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 40+ add-on coverages
  • Provides an easy claims process

What we don't like

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions
Elite Home Warranty

Elite Home Warranty

4.4/5

Average monthly costs: $48.98 - $59.99

Elite lets you fully customize a plan for your exact coverage needs. It also provides an exceptionally long 90-day workmanship guarantee.

What we like

  • Allows you to choose your technician
  • Extends a 90-day workmanship guarantee
  • Offers more than 25 add-ons

What we don't like

  • Charges higher service fees for high-end appliances
  • Doesn't provide an online quote
  • Limits repair and replacement coverage caps for older items
American Home Shield

American Home Shield

4.4/5

Average monthly costs: $29.99 - $89.99

Founded in 1971, American Home Shield was one of the country's first home warranty companies. Today, it offers three coverage plans and six supplementary add-ons.

What we like

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay

What we don't like

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options
Cinch Home Services

Cinch Home Services

4.3/5

Average monthly costs: $38.99 - $66.99

Cinch Home Services provides coverage perks other companies don’t, such as a homeowners insurance deductible reimbursement. Like most home warranty companies, Cinch offers flexible service fees that raise or lower your plan premium.

What we like

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

What we don't like

  • Charges high service fees of $100-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska
Select Home Warranty

Select Home Warranty

3.9/5

Average monthly costs: $44.42 - $47.75

Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.

What we like

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

What we don't like

  • Has a $75 cancellation fee
  • Low coverage caps

Cost of a home warranty in Bristol

You'll usually pay $41-$70 per month for a home warranty in Bristol, around the same as the national average. Opting for annual payments means spending somewhere around $563.62-$927.48 for the year. To find the average home warranty plan cost, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties cover a variety of major systems and home appliances. We'll lay out a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

  • Refrigerators
  • Dishwashers
  • Clothes dryers
  • Built-in microwaves
  • Cooktops
  • Washing machines

Major appliances form the first category of items that home warranties provide coverage for. This includes the following items: The second coverage category is major systems, which often include the following:

  • Electrical
  • Plumbing
  • Water heater
  • HVAC
  • Central vacuum

What items are typically not covered under a home warranty?

Each home warranty includes specific exclusions, or things it will not cover. Your contract will clearly specify each exclusion, so read carefully before you sign. One common exclusion is breakdowns caused by damage outside of normal wear and tear. For example, the warranty would probably not cover an air conditioner malfunctioning due to a dirty air filter, since replacing the filter is a part of routine maintenance. Additionally, home warranties won't cover improper system or appliance installation, acts of nature, rust or corrosion damage, preexisting conditions, cosmetic damage and hazardous waste.

Questions to ask home warranty providers in Bristol

Before you purchase a home warranty plan, discuss these crucial questions with each provider you're considering.

What items would my policy cover?

Before asking a home warranty company for a quote, write down the specific systems and appliances that you need covered. Then, confirm the company has plans meeting your needs. Some providers separate appliance and system coverage into different plans. Companies might also offer additional coverage, like wells and spa protection, as add-ons. Consider what supplements you might need and how much they'll add to the cost.

How long is my home warranty good for?

Generally, home warranty contracts are active for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies require this 30-day waiting period to deter customers from filing claims for preexisting conditions. Purchasing a multiyear plan extends protection beyond the standard 12-month term.

What contractors do you work with?

When you're researching home warranty companies, be sure to ask about which service contractors they use. Each repair team must follow specific licensing requirements and standards to get repair approval from the warranty company. If there are no partner contractors in your area, the warranty terms might allow you to pick your own repair company. You can verify a contractor's license by searching the Connecticut Department of Consumer Protection database.

How does your claims approval process work?

Knowing more about the home warranty company's claims process boosts your chances of getting an approval. Most companies accept claims online or via a 24/7 phone line. Once you file, the company will aim to reply within 24 to 48 hours. Filing outside normal business hours may lead to a slower process. Once the provider receives your claim, someone will review it and connect you with a partner service contractor. The contractor will schedule a visit, diagnose the problem, and then request final approval from the home warranty provider before starting repairs.

Can I transfer my policy to the next owner of my home?

If you're selling your home, you may be able to transfer your policy to the new homeowner. Some companies manage the transfer without cost, while others charge a transfer fee. Home warranty companies might also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers might opt for these plans to enhance their home's appeal in a competitive market.

Home warranty contract fine print

To finalize your research, we recommend reading the home warranty provider’s detailed terms and sample contract prior to purchasing a plan. Knowing the company’s terms and conditions can help you decide if it’s the right one for your needs. It'll also help you advocate for yourself if you need to file a claim. Below are several terms you should look for while reviewing the contract:

  • Coverage limit: Your home warranty's coverage limit is the cap on how much the company pays per claim. A warranty contract could also have other stipulations, like annual coverage limits.
  • Workmanship guarantee: Workmanship guarantees temporarily protect you from additional service call fees if an in-network technician unsuccessfully tried to fix a covered issue. Most guarantees are 30 days long, though some companies offer longer periods.
  • Exclusions: Home warranties have both general exclusions and component-specific ones. Even if an appliance or system is generally covered, your warranty might not cover some specific parts if they suffer damage. Read your sample contract carefully to understand the exclusions.
  • Service call fee: Each time you file a claim, the home warranty or repair company will assess a service call fee. These fees usually run from $75 to $125.
  • Cancellation: Each home warranty company has a cancellation policy in its terms and conditions. Many companies will refund your annual premium in full if you cancel within the first 30 days of enrollment.

Facts about Bristol

Average High in July
80°F
Bristol
83°F
National Average
Average Low in January
21°F
Bristol
17°F
National Average
Average Daily Sunlight
61%
Bristol
69%
National Average
Our Top Pick
Provider logo
4.5
Our Rating
  • Extends 60-day workmanship guarantee
  • Holds high customer ratings
  • Offers customization with 38 add-ons
Explore Plans
Provider logo
4.4
Our Rating
  • Covers rust and corrosion damage
  • Offers comprehensive coverage limits
  • Provides flexible service fees
$150 Off Any Plan
Explore Plans
Provider logo
3.8
Our Rating
  • Charges low premiums
  • Includes roof-leak coverage
  • Offers solid HVAC coverage
Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Contact us at feedback@homefront.usatoday.com if you have questions or feedback on this article

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

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