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6 best home warranty companies in Vernon, Connecticut

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

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Home warranties provide a financial buffer to repair or replace appliances that suddenly fail. For a monthly fee, these policies insure items like refrigerators and AC units when they malfunction due to regular wear and tear.

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 Vernon home has a dishwasher, furnace or any other everyday appliance within that age range, you will likely experience an unexpected breakdown. The top three home warranty companies listed below provide generous coverage at affordable rates.

The constantly snowy Vernon winters can influence your roof and HVAC system's health, so we recommend a home warranty to protect you from unforeseen repair bills. Each of the companies below has good coverage for appliance and systems coverage.

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 Vernon

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

2-10 Home Buyers Warranty

2-10 Home Buyers Warranty

4.5/5

Average monthly costs: $22.00 - $80.00

2-10 Home Buyers Warranty pairs its three coverage plans with flexible service call fees. It also offers coverage perks, including an appliance color-match program and an "Even If" service fee guarantee. With this guarantee, 2-10 will refund your service call fee 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 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

American Home Shield was one of the first home warranty companies, having been in business since 1971. It provides three base plans and six 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

Select Home Warranty plans have low premiums, and each one includes coverage for roof leaks.

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 Vernon

You'll typically pay $41-$70 per month for a home warranty in Vernon, in line with the national average. Opting for annual payments means paying 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 provide coverage for 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?

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

The first category of items a home warranty provides coverage for is major appliances. This includes the following: Major systems form the second category of covered items. The specific definition of what a "major system" is will vary between different plans. However, most consist of the following:

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

What items are typically not covered under a home warranty?

Each home warranty has exclusions, which are the items and circumstances it will not cover. Your contract will outline each exclusion upfront, so read carefully before you sign. One thing that home warranties exclude is damage outside normal wear and tear. For example, the warranty company could deny a claim for an AC breakdown if a dirty air filter is the cause. This is because replacing the air filter is considered routine upkeep. Home warranties also don't cover hazardous waste, rust or corrosion damage, preexisting conditions, improper system or appliance installation, acts of nature and cosmetic damage.

Questions to ask home warranty providers in Vernon

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

What items does my policy cover?

Make a list of the appliances and systems you need covered before getting home warranty quotes. This way, you can seek out a company that includes them. Some providers separate appliance and system coverage. Many companies also sell optional add-ons, covering things like lawn sprinkler systems and roof leaks. Consider whether any add-ons fit your situation.

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 implement 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 provider'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 will differ from the others. If a covered issue strikes, you could file a claim via their website or over the phone. Most companies try to address claims within 24 to 48 hours, though there might be processing delays if you filed outside normal working hours. Once the provider receives your claim, someone will review it and connect you with an in-network service provider. 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?

Most home warranty companies allow you to transfer your policy to a new person who moves into the home the policy covers. Generally, transferring a home warranty policy to a new homeowner is complimentary, although some companies charge a transfer fee to offset administrative costs. Home warranty companies may also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers can purchase these plans to enhance their home's appeal in a competitive market.

Home warranty contract fine print

Before purchasing a home warranty, research the company's sample contracts and policies. Understanding a provider's terms and conditions can help you determine if they're a suitable choice for you. It'll also help you stand up for your rights if you need to file a claim. Pay attention to these key stipulations and clauses:

  • Coverage limit: The coverage limit sets the maximum dollar amount for how much the home warranty company will pay per repair. There may be further stipulations, such as an annual coverage limit.
  • Workmanship guarantee: Workmanship guarantees temporarily shield you from additional service call fees if an in-network technician unsuccessfully tried to fix a covered issue. Most guarantees are 30 days long, but some companies offer longer periods.
  • Cancellation: Companies typically outline how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
  • Service call fee: Whenever you file a claim, the warranty company or repair provider will levy a service call fee ranging from $75 to $125.
  • Exclusions: Be sure to read more about component-specific exclusions in the home warranty company's sample contracts. Some parts of an appliance may be excluded even if the appliance itself is typically included under the policy.

Facts about Vernon

Average High in July
78°F
Vernon
83°F
National Average
Average Low in January
20°F
Vernon
17°F
National Average
Average Daily Sunlight
61%
Vernon
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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