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6 best home warranty companies in New Milford, 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 an appliance or major home system 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.

Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically last just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today stop working after about 20 years.

If your New Milford house contains any aging dishwashers, furnaces or other appliances, you'll likely face an untimely breakdown. These top home warranty providers offer robust coverage at reasonable prices.

The relentlessly snowy New Milford winters can affect your roof and HVAC system's health, so we recommend a home warranty to protect you from unexpected repair bills. Each of the companies below has strong coverage for major appliances and systems.

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 New Milford

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

2-10 Home Buyers Warranty

2-10 Home Buyers Warranty

4.5/5

Average monthly costs: $22.00 - $80.00

2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.

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 Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

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 New Milford

The cost of a home warranty is on par with the national average, and it largely depends on how frequently you prefer to make payments. The national average is about $40.91 to $77.05 per month, or $563.62 to $927.43 per year. We calculated the average by requesting 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?

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

The first category of items a home warranty covers is major appliances. This consists of the following: The second category of covered items under a home warranty is major systems. Not every plan covers the same major systems. However, you can find coverage for any of these items:

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

What items are typically not covered under a home warranty?

Just like other service contracts, home warranties will not provide coverage for certain items or events. These are called exclusions. A common exclusion is breakdowns caused by damage outside of normal wear and tear. For example, home warranties will likely not cover an air conditioner breakdown caused by a dirty air filter. This is because replacing the filter is a routine maintenance task.

    Home warranties also don't cover the following:
  • Acts of nature
  • Cosmetic damage
  • Hazardous waste
  • Rust or corrosion damage
  • Preexisting conditions
  • Improper system or appliance installation

Questions to ask home warranty providers in New Milford

We recommend asking each home warranty provider you're considering the following questions about their plans, terms and policies.

What items are covered by my policy?

Assess your coverage requirements before requesting a quote from a home warranty company. Once you've determined what items require coverage, confirm that the provider includes them in its plans. Some companies separate systems and appliance coverage into different plans, so ensure you choose the right one. Most home warranty companies also sell optional add-ons for things like swimming pools and septic tank pumping. Evaluate what add-ons you might need and how much they'll add to the home warranty cost.

How long is my home warranty good for?

Standard home warranty contracts last for 12 months from the coverage effective date, which is usually 30 days after the initial sign-up date. Companies have this 30-day waiting period to prevent 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?

Be sure to ask about the warranty company's network of licensed service contractors. Companies will usually have strict licensing requirements and other standards for a contractor to get repair approval. If there are no partner contractors near where you live, the company might 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?

Each company's claims process is slightly different from the others. If a covered issue strikes, you could file a claim online or over the phone. Most companies try to respond to claims within one to two days, though there might be processing delays when filing outside normal working hours. After you file your claim, a staff member will review it and connect you with an in-network repair contractor. The contractor's team will schedule a meeting 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 are 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 purchase these home warranty plans to enhance their home's appeal.

Home warranty contract fine print

Before you choose a home warranty, examine its terms and conditions to ensure they're aligned with your needs. As you read through the sample contract, look for these key details and clauses:

  • Exclusions: Be sure to learn more regarding component-specific exclusions in the home warranty company's sample contracts. Some parts of a device might be excluded even if the appliance itself is usually covered under the policy.
  • Service call fee: The service call fee is the amount you'll pay the home warranty company or service provider for every claim. Fees typically range from $75–$125 per claim.
  • 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.
  • Workmanship guarantee: Home warranties usually include workmanship guarantees of at least 30 days. If an in-network technician attempted to fix your appliance or system, and you keep experiencing issues with it, the company will not charge an additional service call fee for new repairs.
  • Coverage limit: Each home warranty has a coverage limit that limits how much money the company will pay per claim. There might also be an annual coverage limit or other stipulations.

Facts about New Milford

Average High in July
78°F
New Milford
83°F
National Average
Average Low in January
19°F
New Milford
17°F
National Average
Average Daily Sunlight
61%
New Milford
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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