Home Warranty

6 best home warranty companies in West Hartford, Connecticut

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 6 home warranty companies that operate within 50 miles of West Hartford. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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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 such as HVAC units and refrigerators when they break down from normal wear.

Many key home systems break down before hitting the 10 to 15-year mark. HVAC systems typically last just seven to 25 years. The normal lifespan for water heaters is only six to 12 years, and most major appliances today go kaput in under 20 years, according to the experts at the International Association of Certified Home Inspectors.

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

The constantly snowy West Hartford winters can impact 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 strong coverage for appliance and systems.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

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 West Hartford

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

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

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

4.6/5

EXPLORE PLANS

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

4.4/5

EXPLORE PLANS

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

4.4/5

EXPLORE PLANS

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

4.3/5

EXPLORE PLANS

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

3.9/5

EXPLORE PLANS

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 West Hartford

The cost of a home warranty is in line with the national average, and it heavily relies on how frequently you choose to make payments. The national average is around $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

With a home warranty, you'll have extra coverage for major systems and home appliances. However, it's not a substitute for homeowners insurance, and there are some exclusions to coverage. Below, we'll talk about what's generally covered and what's not.

What are the typical items covered under a home warranty?

Washing machines
Dishwashers
Cooktops
Clothes dryers
Refrigerators
Built-in microwaves

Kitchen and living appliances make up the first group of items that a home warranty covers. This includes the following items: 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:

Electrical
Central vacuum
Water heater
HVAC
Plumbing

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 don't cover is damage outside normal wear and tear. For example, the warranty company could reject a claim for an AC breakdown if a dirty air filter is the cause. This is because replacing the air filter is a part of routine maintenance.

Hazardous waste
Improper system or appliance installation
Preexisting conditions
Rust or corrosion damage
Acts of nature
Cosmetic damage

Questions to ask home warranty providers in West Hartford

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?

Make a list of the appliances and systems you need covered before getting home warranty quotes. This way, you can find a company that includes them. Some companies separate appliance and system coverage. Companies might also offer additional coverage, like lawn sprinkler system and central vacuum 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 have this 30-day waiting period to stop 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?

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?

Knowledge of your warranty company's claim process makes all the difference between an approval and a denial. If you're facing a covered issue, you can usually file a claim over the phone or online. While most claims should have a one to two-day turnaround, there might be delays if you filed outside standard business hours. 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 examine the appliance 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. 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 prior to 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 be a better advocate for yourself if you need to file a claim. Below are several terms you should look for while reviewing the contract:

Cancellation: You'll usually see the warranty company's cancellation policy inside the sample contract fine print. Depending on the company, if you cancel within the first 30 days of enrollment, you might receive a full refund of the entire premium.
Exclusions: Home warranties have both general exclusions and component-specific ones. Even if a device or system is generally covered, your warranty could still exclude some specific parts if they become damaged. Read your sample contract carefully to know what's excluded.
Workmanship guarantee: Workmanship guarantees temporarily shield you from additional service call fees if an in-network technician failed to completely fix a covered issue. Most guarantees are 30 days long, though some companies offer longer periods.
Coverage limit: Each home warranty has a coverage limit that stipulates how much a company will cover per individual claim. Warranty contracts could also have annual coverage limits.
Service call fee: The service call fee is how much you'll pay the home warranty company or service provider each time you file a claim. Fees typically range from $75–$125 per claim.

Facts about West Hartford

Average High in July

80°F

West Hartford

83°F

National Average

Average Low in January

21°F

West Hartford

17°F

National Average

Average Daily Sunlight

61%

West Hartford

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

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.

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

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

6 best home warranty companies in West Hartford, Connecticut

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