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6 best home warranty companies in West Haven, 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 important 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.

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 West Haven home contains aging furnaces, dishwashers or the like, you'll likely encounter an untimely breakdown. These best home warranty firms provide robust coverage at a fair price.

A typical homeowners insurance policy doesn't cover normal appliance wear and tear. With supplementary coverage from one of these home warranty companies, you'll have additional peace of mind in case of an unexpected failure.

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 West Haven

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

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 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

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 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 West Haven

You'll generally pay $41-$70 per month for a home warranty in West Haven, 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 cover various major systems and appliances, 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
  • Dishwashers
  • Cooktops
  • Refrigerators
  • Built-in microwaves
  • Washing machines

The first category of items home warranties protect is kitchen appliances and household items. This category includes the following: The second category of protected 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:

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

What items are typically not covered under a home warranty?

Each home warranty includes specific exclusions, or things it will not cover. Your contract will outline each exclusion upfront, so read carefully before you sign. Generally, home warranties don't cover item breakdowns caused by damage outside of normal wear and tear. For example, if your air conditioner stops working due to a dirty air filter, home warranty companies probably won't cover the repairs since air filter replacement falls under routine maintenance. Additionally, home warranties won't cover acts of nature, hazardous waste, improper system or appliance installation, preexisting conditions, rust or corrosion damage and cosmetic damage.

Questions to ask home warranty providers in West Haven

Ask each home warranty provider these questions before you purchase a plan.

What items are covered by my policy?

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. Companies might also offer additional coverage, like lawn sprinkler system and additional refrigeration 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, a home warranty plan lasts for 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies include a 30-day waiting period to deter 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?

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 address claims within one to two days, 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 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?

Most home warranty companies allow 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. 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 you decide on a home warranty, examine its terms and conditions to ensure they're compatible with your needs. As you read through the sample contract, focus on these key details and clauses:

  • Service call fee: Each time you file a claim, the home warranty or repair company will assess a service call fee. These fees usually run from $75 to $125.
  • Exclusions: Pay extra attention to the exclusions a provider lists in its fine print. For example, most home warranty sample contracts specify component exclusions for each item under coverage.
  • Coverage limit: Your home warranty's coverage limit is the limit on how much the company pays per claim. A warranty contract could also have other stipulations, like annual coverage limits.
  • Cancellation: Each home warranty company has a cancellation policy in its fine print. Many companies will refund your annual premium in full if you cancel within the first 30 days of enrollment.
  • 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 assess an extra service call fee for a new claim.

Facts about West Haven

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