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Best Home Warranty Companies In maine 2024

Maine’s climate is characterized by cold winters with snowfall, varying weather conditions, and occasional severe weather events. These conditions present unique challenges for home systems and appliances. Therefore, selecting the best home warranty companies in Maine that understand and address these climate-specific concerns is essential. So, here’s a detailed list:

Our Picks: 5 Best Home Warranty Companies For maine Residents

Here are Maine's top home warranty companies, delivering comprehensive coverage, competitive pricing, and valuable benefits to fulfill homeowners' needs.

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

  • No waiting period for new homes with an inspection report
  • High coverage caps
  • Option to select your technician

Cons

  • Has a few years of experience

Plans, Cost & Coverage

Elite Home Warranty has three standard coverage plans: Elite Appliances Plan, Elite Systems Plan, and Elite Complete Plan. The Elite Complete is the only plan that offers coverage for both systems and appliances. 

The Elite Systems, on the other hand, is an exclusively system-only plan, and Elite Appliances is an appliance-only plan. The appliances and systems are covered up to 7,000 and 8,000, respectively. 

Here are the in-depth pricing details: 

Plans

Premium (Monthly)

Elite Appliances

$44.99

Elite Systems

$49.99

Elite Complete

$59.99

Elite Appliances Plan 

  • Offers essential coverage for 8 home appliances 
  • Includes exhaustive household items such as ceiling fans, ovens, range 
  • Offers specialized coverage for frequently utilized appliances susceptible to wear and tear

Elite Systems Plan 

  • Provides focused protection for seven vital home systems such as HVAC, electrical, and plumbing 
  • Comprehensive coverage for systems at affordable prices 

Elite Complete Plan 

  • All included coverage for 15 essential appliances and systems as a whole 
  • deal for homeowners seeking extensive protection for their entire home

Why We Picked It?

Elite Home Warranty is one of the top home warranty companies because of its customer-friendly service, maximum coverage, and customizable plans. It has earned its place on our list due to its outstanding coverage options, accessibility, and numerous optional add-ons.

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

  • Separate coverage plans for appliances and systems
  • A wide range of optional add-ons
  • Responds within 24-48 hours

Cons

  • Coverage is limited

Plans, Cost & Coverage

Homeowners have a choice of three plans: Appliance Guard, Systems Guard, and Total Home Guard. You can get coverage for appliances and systems separately. You can find the pricing details here: 

 

Appliances Guard

Systems Guard

Total Home Guard

Monthly Plan

$49.99

$54.99

$59.99 

Annual Plan

$499.99

$549.99

$599.99

Appliances Guard

  •  Comprehensive coverage for essential appliances 
  • They cover kitchen and laundry appliances 

Systems Guard

  •  Has coverage for important home systems 
  • Six home systems are included 
  • Homeowners looking for exhaustive coverage 

Total Home Guard

  • Covers both appliances and systems 
  • 15 household household items are included 
  • People looking for comprehensive coverage at nominal rates

Why We Picked It?

Liberty Home Guard is one of the top home warranty companies because of its optional add-ons and impeccable customer service. The customers appreciate the responsiveness and exhaustive coverage .

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

  • Offer additional perks like discounted upgrades and free maintenance checks
  • 24/7 customer service
  • Includes undetectable pre-existing conditions

Cons

  • Limited add-on options

Plans, Cost & Coverage

American Home Shield Plan provides its customers with three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver covers essential systems, and ShieldGold includes systems and major appliances. 

The ShieldPlatinum includes everything in Silver and Gold and a few additional items. It includes systems up to $5,000, appliance coverage up to $2,000 in ShieldGold, and $4,000 in ShieldPlatinum. 

Find the elaborative pricing below: 

 

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$35.83

$39.16

$69.16

Cost at $100 Service Call Fee

$45.83

$49.16

$79.16

ShieldSilver 

  • Coverage for 14 essential systems such as  air conditioners, heating units & electrical lines
  • Provides a budget-friendly option, starting at a competitive price point of $35.83

ShieldGold 

  • Covers 23 essential home systems & appliances
  • Moderate monthly premium offering a balance between coverage and cost

ShieldPlatinum 

  • Exhaustive plan with coverage for everything included in ShieldSilver and ShieldGold and additional items
  • Tailored for homeowners who prioritize comprehensive protection and are willing to invest in it

Why We Picked It?

American Home Shield has been in the business for 50+ years, making it one of the most trusted brands. It is known for its coverage, commitment to customer-friendly services, and 30-day service guarantee. Their basic plan pricing is inexpensive, making it one of the best choices for homeowners on a budget.

Best For Customer Services
3.3 | threehalf_star Good
$200 Off + 2 Months Free*

Monthly Cost

$43 - $79

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

  • 90-day service guarantee
  • Regular discounts on annual plans
  • 24/7 customer service availability

Cons

  • Lower aggregate dollar limit

Plans, Cost & Coverage

ServicePlus Home Warranty has two plans in its portfolio- Gold and Platinum. The Gold Plan includes basic coverage for home systems and appliances at affordable prices, and the Platinum Plan includes comprehensive options, like everything from the Gold Plan and a few additional appliances. The aggregate dollar limit per contract term is $1.5k, and plan pricing is mentioned below: 

Plan

Monthly Cost

Annual Cost

Gold 

$37.46

$349.50

Platinum

$43.71

$424.50

Gold Plan 

  • Offers extensive protection for 15 home appliances and systems
  • Provides priority service for claims and repairs
  • A basic plan with affordable pricing 

Platinum Plan 

  • Comprehensive coverage for 20 vital home appliances and systems 
  • Everything from Gold Plan is covered along with other add-ons
  • Balances comprehensive coverage with affordability

Why We Picked It?

ServicePlus Home Warranty is known to offer free coverage for extended durations plus regular discounts. The company has received positive customer reviews and offers dedicated services to homeowners in case of a repair/replacement. The positive reviews have helped the company receive a position on our list.

Best For Utility Lines Coverage
4.7 | fourhalf_star Excellent

Monthly Cost

$51 - $62

Service Fee

$65 - $125

Response Time

24 to 48 hours

Pros & Cons

Pros

  • 13 months of coverage on annual plans
  • Provides 90 days part recall and 30 days labor recall
  • Coverage for outside utility lines

Cons

  • 24/7 customer service is not offered

Plans, Cost & Coverage

The Home Service Club offers two home warranty plans to its clients: a Standard Plan and a Comprehensive Plan. While the Standard coverage plans offer basic coverage, the Comprehensive plan offers exhaustive coverage. 

Pricing can vary from $51.25 to $62.50. The coverage limitations for the Standard coverage plan are $6,000 and for the Comprehensive plan are $9,000. However, the liability cannot exceed $2,000 per claim. 

Here are the plan pricing details: 

 

Standard Plan 

Comprehensive Plan 

Monthly Cost

$51.25

$62.50

Annual Cost

$584.96

$719.96

Standard Plan 

  • Covers 16 common household items like refrigerators, dishwashers, and electrical systems
  • Cost-effective plan providing coverage for basic appliances and systems 

Comprehensive Plan 

  • Includes coverage for everything from previous plans, along with 12 additional items such as washer, water heater, and more
  • Homeowners searching for comprehensive coverage for their vital household items

Why We Picked It?

The Home Service Club offers one of the most comprehensive plans in the industry with minimal pricing. Along with coverage for basic items, it also covers utility lines such as sprinklers, sewer, and water. It provides homeowners with coverage of 13 months on annual plans, 90 days of parts recall and 30 days of labor recall. Homeowners also appreciate the company’s ability to offer the best services and coverage options in the market.

Is Home Warranty Plans Beneficial For Maine Homeowners?

Home warranty plans can benefit Maine homeowners, depending on individual circumstances and preferences.

  • Maine's climate, characterized by cold winters and varying weather conditions, can impact the performance of home systems and appliances. 
  • Home warranty plans can offer protection against weather-related damages, such as those caused by snow, ice, or extreme cold.
  • Home warranty plans can provide financial protection by covering the repair or replacement costs of covered appliances and systems. 
  • Some home warranty plans offer emergency services, ensuring prompt assistance during urgent situations.
  • It's important for homeowners to carefully review the terms and conditions of any home warranty plan, including coverage limitations, service fees, and exclusions.

How Much Does A Maine Home Warranty Cost?

Here is the cost breakdown for the Maine home warranty:

Average Annual Cost

$300 - $600

Average Monthly Cost

$30 - $90

Average Service Fee (Deductible)

$60 - $125

In Maine, the cost of a home warranty can vary based on several factors that influence coverage and service fees:

  • Home Size & Age: Larger or older homes may require higher coverage limits and are more prone to breakdowns, potentially resulting in higher warranty costs.
  • Climate: Maine experiences harsh winters and variable weather conditions, which can stress home systems like heating and plumbing and impact warranty pricing.
  • Property Location: The property's specific location within Maine, such as coastal areas or rural regions, can affect warranty costs due to variations in repair costs and service availability.
  • Local Repair Costs: The cost of labor and parts for repairs in Maine may vary depending on local market conditions, impacting the overall price of the home warranty.
  • Additional Coverage Options: Optional add-ons, such as coverage for well pumps or water softeners, can increase the warranty cost but provide additional protection for homeowners in Maine.
  • Regulatory Factors: State regulations and licensing requirements for home warranty companies operating in Maine can impact pricing and coverage options available to consumers.

Home Warranty Coverage in Maine

Home warranty coverage in Maine can vary according to the company and selected plan. However, here are some common inclusions and exclusions:

General Coverage Of Maine Home Warranty

  • HVAC This is crucial for year-round comfort in Maine. Your warranty can cover repairs or replacements for your furnace, boiler, central air conditioning unit, and sometimes even ductwork.
  • Plumbing Systems This coverage typically covers repairs or replacements to your water heater, pipes, toilets, garbage disposals, and sump pumps. Plumbing coverage can be a lifesaver during spring thaws or heavy rain in Maine.
  • Electrical Systems  Electrical coverage protects your home’s wiring, circuit breakers, outlets, and switches. This coverage benefits Maine residents during the peak winter months, and electrical breakdowns are common in freezing climates.
  • Appliances Many home warranty plans cover essential kitchen appliances like refrigerators, ovens, ranges, dishwashers, and built-in microwaves. Washer and dryer units are commonly covered under home warranty plans.

Common Exclusions

Home warranty contracts often come with specific exclusions that outline situations or items not covered by the warranty. While exclusions can vary between providers, here are some common exclusions found in many home warranty agreements:

  • Pre-existing Conditions Repairs or replacements for issues before the home warranty’s start date are typically not covered.
  • Improper Maintenance Damages from neglect, lack of maintenance, or improper use of appliances or systems may be excluded.
  • Cosmetic Defects Home warranties usually do not cover cosmetic issues that do not affect the functionality of covered items.
  • Acts of Nature Damages caused by natural disasters, such as earthquakes, floods, or other extreme weather events, are often excluded.

Here Are Some Additional Points To Consider

  • Weather-related Coverage Options Some home warranty plans in Maine may offer additional coverage for weather-related issues such as roof leaks or frozen pipes.
  • Additional Coverage Options Maine homeowners may choose to add coverage for specific items like well pumps, septic systems, or water softeners.
  • Service Availability Consider the availability of service providers in rural areas of Maine, as this may impact repair response times.
  • Regulatory Compliance Ensure that the home warranty provider is licensed and compliant with Maine state regulations for consumer protection.

Who Regulates Home Warranty Companies In Maine?

The following agencies regulate home warranty companies in Maine:

  • Maine's Bureau of Insurance The Bureau of Insurance oversees the regulation and licensing of insurance companies, including home warranty providers, to ensure compliance with state laws and regulations.
  • Maine Attorney General's Office The Attorney General's Office may also have oversight responsibilities regarding consumer protection laws and regulations related to home warranties.

Final Word

Maine's seasons can be harsh on your appliances and systems. We've compared the top home warranty providers to help you find the best fit for your needs.  Consider coverage, customer service, and value as you explore your options.  By investing in a warranty, you'll gain peace of mind knowing unexpected repairs in your Maine home won't break the bank.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Maine?

A.

In Maine, residents commonly encounter appliance repairs related to heating systems, refrigerators, and washing machines. 

With the state’s cold climate, heating systems often require attention for issues like faulty igniters or thermostat malfunctions. Refrigerator repairs frequently involve temperature control adjustments due to the colder environment. Washing machines may need maintenance for problems such as frozen pipes or issues with water drainage, influenced by the state’s chilly temperatures.

Can Home Warranty Companies Deny Claims Made By The Customers?

A.

Yes, home warranty companies retain the authority to deny claims made by customers under certain conditions. These may include pre-existing issues, insufficient maintenance, misuse, coverage limitations, or incorrect installation.

Do Home Warranty Companies Cover Sewer Lines That Might Be Impacted During Maine’s Heavy Rainfall?

A.

Home warranty companies typically do not cover sewer lines in their standard plans. While some providers may offer optional add-ons for additional coverage, issues with sewer lines caused by heavy rainfall, such as backups or damage, are often considered external factors and may fall outside the scope of standard home warranty coverage.

Are Home Warranties Worth It For Rental Properties?

A.

Maine has around one-third of its residents living in rental properties. Therefore, home warranties can be worth it for rental properties for several reasons. First, they provide landlords with cost predictability by covering unexpected repairs on essential systems and appliances. This can be especially beneficial for older properties or those with aging appliances. 

Second, the convenience of having a home warranty can streamline the repair process, saving landlords time and effort. Third, offering a home warranty can enhance tenant satisfaction, potentially leading to longer lease durations and positive rental experiences.

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