Home Warranty

6 best home warranty companies in Windsor, 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 Windsor. 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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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 refrigerators and AC units 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 Windsor 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 offer generous coverage at affordable rates.

Windsor's wet, cool weather strains HVAC systems and roofs, so we recommend a home warranty to protect yourself from unexpected breakdown repair costs. The providers we recommend provide strong coverage options and even a few added perks.

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 Windsor

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

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 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

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

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 Windsor

The cost of a home warranty is in line with the national average, and it largely depends on how often you want to make payments. The national average is roughly $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 provide coverage for 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?

Washing machines
Built-in microwaves
Cooktops
Clothes dryers
Refrigerators
Dishwashers

The first category of items a home warranty provides coverage for is kitchen and living appliances. This consists of the following: The second coverage category is major systems, which often consist of the following:

Plumbing
HVAC
Central vacuum
Electrical
Water heater

What items are typically not covered under a home warranty?

Home warranties, like most service contracts, have coverage exclusions. One common exclusion is breakdowns caused by damage outside of normal wear and tear. For example, the warranty would probably not cover an air conditioner malfunctioning due to a dirty air filter, since replacing the filter is a part of routine maintenance. Home warranties also don't cover acts of nature, improper system or appliance installation, rust or corrosion damage, hazardous waste, preexisting conditions and cosmetic damage.

Questions to ask home warranty providers in Windsor

Before you purchase a home warranty plan, discuss these crucial questions with each provider you're considering.

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 providers separate appliance and system coverage into different plans. Many companies also sell optional add-ons, covering things like septic tank pumping and spas. Consider whether any add-ons fit your situation.

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 require this 30-day waiting period to deter 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?

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?

Each company's claims process will differ 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 24 to 48 hours, though there might be processing delays if you filed outside normal working hours. If the home warranty company initially approves your claim, they'll match you with a service contractor from their network. The contractor will arrange a meeting with you to inspect and diagnose the problem. Once they get final approval from the warranty company, they'll do the repair work and handle billing on your behalf.

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. Some home warranty companies also offer special coverage plans that are easily transferred to prospective buyers. Home sellers acquire these home warranty plans to enhance their home's appeal.

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 advocate for yourself if you need to file a claim. Look for these key stipulations and clauses:

Coverage limit: Each home warranty has a coverage limit that limits the total dollar amount that the company will pay per claim. There might also be an annual coverage limit or other stipulations.
Workmanship guarantee: The workmanship guarantee is the period during which the home warranty company won't assess an additional service call fee for a repair if an in-network technician has recently serviced the item. The industry standard is 30 days, though some companies offer longer workmanship guarantees.
Cancellation: A home warranty contract should include information on how to cancel your policy and get a refund. If you cancel within the first 30 days of signup, many companies will fully refund your annual premium.
Service call fee: Whenever you file a claim, the warranty company or repair provider will levy a service call fee between $75 and $125.
Exclusions: Pay special attention to the exclusions a provider lists in its fine print. For example, most home warranty sample contracts outline component exclusions for each item under coverage.

Facts about Windsor

Average High in July

80°F

Windsor

83°F

National Average

Average Low in January

21°F

Windsor

17°F

National Average

Average Daily Sunlight

61%

Windsor

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 Windsor, Connecticut

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