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6 best home warranty companies in Waterbury, Connecticut

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

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You might be considering a home warranty to protect essential home systems and appliances. For a monthly fee, these policies cover repair and replacement costs when items like AC units and refrigerators break down from normal wear and tear.

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 operate for just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today fail after about 20 years.

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

Waterbury's wet, cool weather strains roofs and HVAC systems, so we advise getting a home warranty to protect yourself from sudden breakdown repair costs. The providers we suggest offer strong coverage options and even a few added 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 Waterbury

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

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 the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.

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

Select Home Warranty pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

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 Waterbury

You'll generally pay $41-$70 per month for a home warranty in Waterbury, on par with the national average. Opting for annual payments means spending anywhere between $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 various home appliances and major systems, but they're not a substitute for homeowners insurance. Below, we'll outline what's generally covered in a home warranty and what isn't.

What are the typical items covered under a home warranty?

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

The first category of items a home warranty covers is kitchen appliances and household items. 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
  • Central vacuum
  • Electrical
  • Plumbing
  • Water heater

What items are typically not covered under a home warranty?

Like other service contracts, home warranties won't cover certain appliances or components. These are called exclusions. One common exclusion is breakdowns caused by damage outside of 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.

    Additionally, home warranties won't cover the following:
  • Acts of nature
  • Cosmetic damage
  • Improper system or appliance installation
  • Hazardous waste
  • Preexisting conditions
  • Rust or corrosion damage

Questions to ask home warranty providers in Waterbury

Before purchasing a home warranty coverage plan, we recommend asking providers the following questions.

What items will 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. Also, many home warranty companies offer optional coverage, such as for roof leaks or lawn sprinkler systems. 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 implement this 30-day waiting period to prevent customers from filing claims for preexisting conditions. You may extend the 12-month policy term by purchasing a multiyear plan.

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?

Understanding how a company’s claims process works often makes the difference between claim approval and denial. Home warranty providers typically accept claims via their website or a round-the-clock support line. Typical response times are within one to two days of filing, though there may be processing delays if you file a claim outside normal business hours. Once the provider receives your claim, someone will examine the details and connect you with an in-network service provider. The contractor will book an appointment with you, 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 will handle the transfer for free, while others charge a transfer fee. Home warranty coverage can be reassuring to new homebuyers. Some companies offer sellers special coverage plans that are readily transferable to buyers.

Home warranty contract fine print

To finalize 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 decide if it’s the right one for your needs. It'll also help you stand up for your rights if you need to file a claim. Below are several terms you should search for while reviewing the contract:

  • Service call fee: Each time you file a claim, the home warranty or repair company will levy a service call fee. These fees typically range between $75 and $125.
  • 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 know what's excluded.
  • 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.
  • Cancellation: Companies generally specify 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.
  • Workmanship guarantee: Most workmanship guarantees last for 30 days from a warranty repair, though some companies offer longer guarantee periods. If you have more issues with an appliance that an in-network technician just attempted to fix for you, the home warranty company won't charge an extra service call fee for a new claim.

Facts about Waterbury

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