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6 best home warranty companies in Cheshire, Connecticut

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

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Companies Selected

Consider a home warranty to financially protect your home's essential items. These policies cover the replacement or repair of common household systems and appliances, such as air conditioners and refrigerators, for a monthly fee.

Many essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Cheshire home contains aging dishwashers, furnaces or the like, you'll likely encounter an untimely breakdown. These top home warranty firms offer robust coverage at fair prices.

Cheshire gets its fair share of winter storms, which can impact both your roof and heating system. Breakdowns could lead to hefty bills, but with a home warranty, you'll have a robust financial shield and access to a few additional perks.

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 Cheshire

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

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 plans with a 60-day workmanship guarantee on completed repairs. Compared to other providers in this piece, it also provides the largest number of coverage add-ons – 38 in total.

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 Home Warranty has a fully customizable coverage plan you can design based on your coverage needs. It also includes a lengthy 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

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional 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 has some unique home warranty offerings and coverage perks, including homeowners insurance deductible reimbursement. Just like many other companies, it also offers flexible service fees that give you a greater say in your 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 Cheshire

The typical monthly cost of a home warranty in Cheshire is $41 to $70, in line with the national average. If you're paying on an annual basis, expect to spend roughly $563.62–$927.48 per year. To calculate national cost data, we requested hundreds of quotes for 2,000-square-foot, single-family homes across each state that the providers service.

Home warranty coverage

Home warranties cover various appliances and major systems, but they're not a substitute for homeowners insurance. Below, we'll summarize what coverage a warranty typically includes and excludes.

What are the typical items covered under a home warranty?

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

Major appliances make up the first group of items that a home warranty protects. This includes the following items: The second coverage category is major systems, which typically consist of the following:

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

What items are typically not covered under a home warranty?

Just like other service contracts, home warranties do not cover certain items or events. These are called exclusions. One common exclusion is breakdowns caused by damage outside normal wear and tear. For example, the warranty would likely not cover an air conditioner malfunctioning due to a dirty air filter, since replacing the filter is a part of routine maintenance. Home warranties also don't cover rust or corrosion damage, acts of nature, cosmetic damage, preexisting conditions, improper system or appliance installation and hazardous waste.

Questions to ask home warranty providers in Cheshire

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, verify the company has plans meeting your needs. Some companies separate appliance and system coverage into different plans. Also, many home warranty companies offer optional coverage, such as for swimming pools or central vacuum. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

Standard home warranty contracts are valid for 12 months from the coverage effective date, which is usually 30 days after the initial sign-up date. Companies include this 30-day waiting period to prevent customers from filing claims for preexisting conditions. A home warranty may last longer than 12 months if you purchase a multiyear plan.

What contractors do you work with?

Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If there are no in-network contractors near you, the warranty company may let you choose your own. 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 your warranty company's claims process can improve your chances of getting an approval. Most companies accept claims through the web or via a 24/7 phone line. Once you file, the company will aim to reply within one to two days. Filing outside normal business hours may lead to processing delays. After you file your claim, a staff member will examine your claim and connect you with a networked repair service. The contractor's team will book an appointment with you to inspect the issue and diagnose the problem. Once the company grants final approval, the contractor can proceed with repairs.

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

Most home warranty companies permit you to transfer your policy to a new homeowner if you need to move. Sometimes, transfers will be free, and other times, the company will levy a transfer fee for the service. Some home warranty companies also offer special coverage plans that are easily transferred to prospective buyers. Home sellers buy these home warranty plans to enhance their home's appeal.

Home warranty contract fine print

To complete your research, we recommend reading the home warranty provider’s fine print and sample contract before purchasing a plan. Knowing the company’s terms and conditions can help you determine whether 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 search for while reviewing the contract:

  • Cancellation: A home warranty contract should include information on how to cancel your policy and get a refund. If you cancel within the first 30 days of signup, many companies will fully refund your annual premium.
  • Service call fee: The service call fee is how much you'll pay the home warranty company or service provider whenever you file a claim. Fees typically vary between $75 and $125 per claim.
  • Coverage limit: Your home warranty's coverage limit is the cap on how much the company can pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.
  • Exclusions: Home warranties have both general exclusions and ones specific to components. 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 be aware of what is not covered.
  • Workmanship guarantee: The workmanship guarantee is the period during which the home warranty company won't assess additional service call fees for a repair if an in-network technician has recently tried to fix the item. The industry standard is 30 days, but some companies offer longer workmanship guarantees.

Facts about Cheshire

Average High in July
79°F
Cheshire
83°F
National Average
Average Low in January
23°F
Cheshire
17°F
National Average
Average Daily Sunlight
63%
Cheshire
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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