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Best Home Warranty Companies In connecticut 2024

Are you facing issues with appliances and systems malfunctioning in the Nutmeg State? Don’t let unexpected repairs to your Connecticut home drain your wallet. This guide explores the Best Home Warranty Companies In Connecticut. We’ll compare coverage options, pricing, and customer service details to help you find the perfect warranty for your cozy Connecticut haven.

Our Picks: 5 Best Home Warranty Companies For connecticut Residents

Here are the 5 top home warranty companies offering comprehensive coverage, competitive pricing, and valuable perks to meet the needs of Connecticut homeowners.

Best For Separate Coverage Options
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • Comprehensive coverage for home systems and appliances
  • Quick service with a network of qualified contractors
  • Option to choose your licensed technician for repairs

Cons

  • Charges $150 service fees for elite appliances and weekend visits

Plans, Cost & Coverage

Elite Home Warranty provides three plans- Elite Appliances, Elite Systems, and  Elite Complete. Each plan’s cost and coverage options suit different needs and budgets.

 

Elite Complete

Elite Appliances

Elite Systems

Monthly Plan

$59.99

$44.99

$49.99

Elite Appliances

  • Focuses specifically on coverage for major household appliances
  • Ideal for homeowners who want to safeguard appliances like refrigerators, dishwashers, ovens, and more
  • Provides targeted protection for appliances that are frequently used and prone to wear and tear

Elite Systems

  • Concentrates on covering essential home systems such as HVAC, electrical, and plumbing
  • Designed for homeowners who prioritize protection for the vital systems that keep their homes running smoothly
  • Offers peace of mind by addressing potential issues with core systems that are critical for daily living

Elite Complete

  • Comprehensive coverage for both major appliances and home systems
  • Provides coverage for an extensive array of items, ranging from appliances such as refrigerators to systems like HVAC
  • Suitable for homeowners seeking extensive coverage for all aspects of their home

Why We Picked It?

Elite Home Warranty prioritizes comprehensive protection for appliances and systems, mitigating financial risk associated with unexpected repairs. Their plan options allow for tailored coverage that aligns with your specific needs and budget.

Best For Add-ons
4.7 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Customizable plans to suit individual needs
  • 24/7 customer service for assistance anytime
  • Choice of service technicians for repairs

Cons

  • Service call fees for technician visits

Plans, Cost & Coverage

Liberty Home Guard offers three plans: Systems Guard, Total Home Guard, and Appliance Guard. Each plan varies in cost and coverage options to accommodate different needs and budgets.

 

Appliance Guard

Systems Guard

Total Home Guard

Under 5,000 sq. ft.

$49.99

$54.99

$59.99

Over 5,000 sq. ft.

$63.99

$69.99

$75.99

Appliance Guard

  • Coverage for essential home appliances like refrigerators, dishwashers, and washers/dryers
  • Targeted protection for appliances prone to wear and tear
  • Assures repair or replacement of essential appliances, reducing inconvenience and expenses

Systems Guard

  • Coverage for six essential home systems like HVAC, electrical, and plumbing
  • Ideal for prioritizing the protection of critical systems

Total Home Guard

  • Covers 15 essential home systems and appliances, encompassing all items mentioned in previous plans
  • Extensive protection for all major components of the home

Why We Picked It?

Liberty Home Guard offers customizable plans, comprehensive coverage options, and commitment to customer service. With a range of plans tailored to different needs and budgets, homeowners can find the right level of protection for their specific requirements.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Extensive coverage for home systems and appliances
  • Large network of contractors for easy repairs
  • Customizable plans and 24/7 emergency service

Cons

  • Limited additional coverage options

Plans, Cost & Coverage

American Home Shield provides three plans: ShieldSilver, ShieldGold, and ShieldPlatinum, each offering varying levels of coverage and benefits to suit different homeowner needs.

 

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$79.99

$99.99

$129.99

Cost at $100 Service Call Fee

$89.99

$109.99

$139.99

ShieldSilver

  • Basic coverage for essential home systems like HVAC, plumbing, and electrical
  • Ideal for homeowners to prioritize core system protection

ShieldGold

  • Enhanced coverage, including 23 essential home systems and major appliances
  • Offers comprehensive protection at a mid-range price, balancing affordability with coverage
  • Suited for homeowners seeking broader coverage

ShieldPlatinum

  • Includes all appliances and systems from previous plans, plus roof leak repair
  • Includes enhanced coverage limits and additional benefits
  • Designed for homeowners prioritizing maximum coverage and additional perks

Why We Picked It?

American Home Shield stands out for its comprehensive coverage options, extensive contractor network, and customizable plans that cater to diverse homeowner needs. Additionally, its 24/7 emergency service and reputation for reliability are influential factors.

4.7 | fourhalf_star Excellent

Monthly Cost

$51 - $62

Service Fee

$65 - $125

Response Time

24 to 48 hours

Pros & Cons

Pros

  • Comprehensive coverage for home systems and appliances
  • No age restrictions on covered items
  • 90-day workmanship guarantee and flexible payment options

Cons

  • Charges a fee for contract transfer

Plans, Cost & Coverage

The Home Service Club allows homeowners to choose between two plans: the Standard plan and the Comprehensive plan. Each plan offers different levels of coverage and services, allowing customers to select the one that best suits their specific needs and budget. 

 

Standard Plan

Comprehensive Plan

Cost/Month

$51.25

$62.50

Cost/Annually

$584.96

$719.96

Standard Plan

  • Basic coverage for essential home appliances like refrigerators, ovens, and dishwashers
  • Limited coverage for select home systems such as plumbing and electrical
  • Affordable pricing with a lower monthly premium, suitable for budget-conscious homeowners

Comprehensive Plan

  • Comprehensive coverage extends to a wide range of appliances, including HVAC systems, water heaters, and garage door openers
  • Includes additional features such as pest control, ductwork, and more
  • Ideal for homeowners who want extensive coverage for both appliances and critical home systems, providing peace of mind against costly repairs

Why We Picked It?

The Home Service Club offers comprehensive coverage options and flexible plans, ensuring that homeowners can find the right level of protection to suit their individual needs. With a large network of contractors and reliable service, The Home Service Club offers peace of mind, knowing that repairs and replacements will be handled promptly and efficiently.

4.6 | fourhalf_star Excellent

Monthly Cost

$49 - $79

Service Fee

No Service Fee

Response Time

up to 48 hours

Pros & Cons

Pros

  • Comprehensive coverage for a wide range of home systems and appliances
  • No age restrictions on covered items
  • Flexible plan options and nationwide service

Cons

  • Lower coverage limit

Plans, Cost & Coverage

Complete Protection Home Warranty offers four plans: Essential, Advanced, Comprehensive, and Ultimate. The cost of each plan varies based on the level of coverage selected. 

 

Essential

Advanced

Comprehensive

Ultimate

Cost

$49

$59

$69

$79

Essential Plan

  • Basic coverage for eight essential home systems and appliances
  • Includes coverage for common items like HVAC, plumbing, and kitchen appliances
  • Affordable option suitable for budget-conscious homeowners

Advanced Plan

  • Expanded coverage beyond the Essential plan, including additional home systems and appliances
  • Includes items covered under the Essential plan, with extra coverage for refrigerator, washer & dryer
  • Ideal for homeowners seeking enhanced protection for their property

Comprehensive Plan

  • Includes all items covered under the Advanced plan, with additional coverage for electrical wiring, plumbing pipe leaks, and more
  • Comprehensive protection is designed to provide peace of mind for homeowners

Ultimate Plan

  • Premium-level coverage with the highest level of protection
  • Offers comprehensive coverage for 21 major home systems and appliances
  • Includes additional perks and benefits, providing maximum peace of mind and convenience

Why We Picked It?

Complete Protection Home Warranty provides comprehensive coverage options catering to various needs and budgets. With plans ranging from basic to premium, homeowners can find suitable protection for their property.

Is Home Warranty Plans Beneficial For Connecticut Homeowners?

Here's how Home Warranty Plans can benefit Connecticut residents:

  • Connecticut boasts a rich history, reflected in its abundance of older homes.  Home warranties ease worries about repairs in older, breakdown-prone homes, saving you money and hassle.
  • Even in newer homes, appliances and systems can break down unexpectedly.  Home warranties can cover repairs or replacements for covered items, saving you the financial burden of full repair costs.
  • Connecticut experiences all four seasons, with hot summers and cold winters. Such a climatic scenario makes the appliances and systems go sweltering harsh heat and biting cold, reducing their lifespan.  
  • Many home warranty companies have a network of qualified technicians to ensure your appliances and systems are repaired by licensed professionals,  giving you peace of mind about the quality of repairs.
  • Some plans might offer specific coverage for concerns relevant to Connecticut residents, such as heating system breakdowns due to cold winters or well pump protection for homes that rely on private wells.
  • A home warranty can be an attractive selling point for potential buyers,  potentially increasing the marketability of your Connecticut property.

How Much Does A Connecticut Home Warranty Cost?

Here's a general cost range for home warranties in Connecticut:

Average Annual Cost

$480 - $1,548

Average Monthly Cost

$40 - $129

Average Service Fee (Deductible)

$65 - $125

Here in Connecticut, the cost of a home warranty can vary depending on several factors, including:

  • Coverage Level: Plans offering broader coverage for more appliances and systems will naturally cost more than those with limited coverage.
  • Home Age and Condition: Older homes with a higher likelihood of breakdowns may come with a higher premium.
  • Location: Prices might vary across Connecticut depending on the service provider's network and local repair costs.
  • Deductible: A higher deductible lowers your monthly cost, but you'll pay more out of pocket for each repair service call.
  • Add-on Coverage: Optional coverages for specific items like pools or septic systems will increase the overall cost.

Home Warranty Coverage In Connecticut

Exploring home warranty coverage in Connecticut reveals varying offerings based on chosen providers and plans. However, certain inclusions and exclusions remain consistent across most options.

General Coverage Of Connecticut Home Warranty

  • HVACConnecticut experiences cold winters. Your warranty can cover repairs for your furnace, heat pump, and ductwork, ensuring year-round comfort, especially during long stretches of freezing temperatures.
  • Plumbing CoverageThis coverage protects against leaks, clogs, and malfunctions in pipes, faucets, toilets, and other plumbing fixtures. It is important for historic homes with potentially older plumbing systems and newer residences.
  • Coverage For Electrical SystemsHome warranty plans cover the functionality of your electrical system by covering repairs for wiring, outlets, switches, and breaker panels. This is particularly important in older Connecticut homes with outdated electrical systems.
  • Kitchen Appliances CoverageHome warranties protect against unexpected breakdowns of essential appliances like refrigerators (a must for fresh seafood!), ovens, cooktops, dishwashers, and garbage disposals, preventing disruptions to your daily routine.
  • Laundry Appliances CoverageWashing machines and dryers are commonly covered, ensuring your laundry routine runs smoothly, even if your appliances encounter issues.
  • Oil Heat CoverageIf your Connecticut home utilizes oil heat, a common heating source in some areas, consider plans that specifically cover repairs for oil furnaces or tanks.
  • Snow Removal AssistanceSome warranty companies offer add-on coverage for appliance breakdowns caused by snow removal mishaps, which can be a concern in Connecticut during winter.

Common Exclusions

  • Policy ExclusionsHome warranty contracts can be complex and have various exclusions beyond standard wear and tear. This might include specific appliance breakdowns, pre-existing conditions exceeding a certain age, or damage caused by improper maintenance. 
  • Subcontracted RepairsWhile some plans cover repairs completed by licensed professionals, be clear on whether the warranty company directly employs technicians or uses subcontractors. Subcontracted repairs might have additional limitations or exclusions outlined in the fine print.
  • Dollar LimitsHome warranty plans often limit covered repairs or replacements for specific appliances or systems. Be aware of these limits to avoid surprise out-of-pocket costs if repairs exceed the covered amount.
  • Pre-Existing ConditionsAny issues existing before the warranty coverage begins are typically not covered.
  • Cosmetic RepairsRepairs that solely address the appearance of an appliance or system without impacting functionality are usually excluded.

Here Are Some Additional Points To Consider

  • Service Network AvailabilityInquire about the company’s network of qualified repair technicians within Connecticut.
  • Customer Reviews and RatingsResearch online reviews and ratings from other Connecticut homeowners with experience with the home warranty companies you’re considering.
  • Coverage LimitsBe aware of any coverage limitations for specific repairs or replacements within the plan.

Who Regulates Home Warranty Companies In Connecticut?

In Connecticut, home warranty companies are typically regulated by the Connecticut Department of Consumer Protection (DCP). This department oversees various consumer-related services and ensures companies comply with state regulations to protect consumers' rights and interests. 

Additionally, home warranty companies in Connecticut may also be regulated by agencies such as: 

  • Connecticut Insurance Department (CID)This department oversees insurance-related matters in the state, including certain aspects of home warranty contracts that may involve insurance elements or regulations.
  • Connecticut Office of the Attorney General (OAG)This office represents the state's legal interests and may intervene in consumer protection matters, including investigations or legal actions related to home warranty companies, to uphold state laws and protect consumers.

Final Word

In conclusion, when considering the best home warranty companies in Connecticut,  coverage options, customer service, and pricing must be prioritized. By thoroughly researching and comparing various providers, homeowners can find the one that best suits their needs and offers peace of mind for protecting their valuable assets.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Connecticut?

A.

In Connecticut, residents commonly report appliance repairs involving issues with air conditioning units, furnaces, and refrigerators. The state’s climate, characterized by hot summers and cold winters, contributes to prevalent air conditioning problems.

Additionally, furnace issues are encountered with problems like malfunctioning thermostats or ignition problems during the colder months.

Are Home Warranties Worth It In Connecticut?

A.

Yes, home warranties are worth it in Connecticut. With the state experiencing diverse climate conditions, including hot summers and cold winters, home warranties provide valuable financial protection and peace of mind as they cover essential systems like air conditioning and furnaces, offering homeowners assistance with unexpected repair or replacement costs.

Are There Any Other Home Warranty Companies That Connecticut Homeowners Can Consider?

A.

AFC Home Club is another great option Connecticut homeowners can consider in addition to the best home warranty companies mentioned above.

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