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Best Home Warranty Companies In new hampshire 2024

In New Hampshire, where harsh winters and unique property considerations prevail, selecting the right home warranty company is crucial. We have curated the list and reviewed the best home warranty companies in New Hampshire. Explore now to pick the best option for your New Hampshire home.

Our Picks: 5 Best Home Warranty Companies For new hampshire Residents

Here’s the list of the five best home warranty companies in New Hampshire. Take a look.

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

  • Appliances covered up to $4,000
  • Comprehensive coverage for systems and appliances
  • Additional discounts for AHS members

Cons

  • Higher premiums

Plans, Cost & Coverage

AHS offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. These plans are priced between $29 – $70 per month, depending on the deductible, $100 or $125. 

Take a look at the cost and plan details below: 

Plans

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$29.99

$49.16

$59.16

Cost at $100 Service Call Fee

$49.99

$59.16

$69.16

ShieldSilver

  • Offers coverage for 14 home systems, including heating, plumbing, and electrical
  • Provides a budget-friendly option, starting at a competitive price point of $29.99e

ShieldGold

  • Protects 23 major systems with kitchen and laundry appliances
  • Offers appliance limits up to $2,000
  • Considerable for New Hampshire homeowners seeking medium-level coverage 

ShieldPlatinum

  • Covers everything from the other two plans, plus additional services 
  • Provides appliance limits up to $4,000
  • Ideal for anyone looking for comprehensive protection for home items

Why We Picked It?

American Home Shield, with over 50 years of industry experience, stands out as a trusted provider, offering customizable home warranty coverage tailored to the needs of NH residents. With a vast network of 17,000 contractors and coverage for unknown pre-existing conditions, AHS ensures reliable services and comprehensive protection at competitive rates.

Highly Rated By Customers
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 inspection report is required for new homes
  • Provides a money-back guarantee
  • 30-day free trial

Cons

  • Charges $150 service fees on weekend visits

Plans, Cost & Coverage

Elite Home Warranty has three plans: Elite Appliances, Elite Systems, and Elite Complete. The company also offers 15 home items to customize coverage. EHW covers appliances for up to $7,000 and systems for up to $8,000 per contract term.

Here is a detailed analysis of the cost and plans offered by Elite Home Warranty:

 

Elite Appliances 

Elite Systems 

Elite Complete 

Cost at $70 Service Call Fee

$44.99

$49.99

$59.99

Elite Appliances 

  • Covers 8 key home appliances
  • The plan includes refrigerators, garbage disposals, microwaves, ovens, dishwashers, etc
  • Suitable for those requiring comprehensive appliance coverage 

Elite Systems 

  • This plan includes 7 home systems
  • Covers electrical, air conditioning, plumbing, water heater, etc
  • Tailored for homeowners seeking coverage exclusively for essential systems

Elite Complete 

  • Comprehensive coverage plan for both home systems and appliances
  • Designed for NH homeowners looking for extensive coverage under $60 per month

Why We Picked It?

Considering Elite Home Warranty’s recent emergence in the industry, their three flexible plans offer extensive coverage, with generous limits of up to $8,000 per contract term. With customizable options, including adjustable service call fees, a 30-day trial period, and ongoing discounts, Elite ensures homeowners peace of mind and affordability.

$50 - $60
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

  • Provides a 60-day guarantee on workmanship
  • Provides extensive add-on coverage
  • Free roof leak protection available

Cons

  • Has lower coverage limits than some competitors

Plans, Cost & Coverage

Liberty Home Guard offers three plan choices: Appliance Guard, System Guard, and Total Home Guard. Premiums start at $49 monthly, with a set $90 fee per visit. Additionally, the company covers repair or replacement costs up to $2,000 per contract term.

Here’s more about the cost and plans offered by Liberty Home Guard:

 

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

  • This plan covers repairs and replacements for 9 primary appliances like ovens, microwaves, refrigerators, etc.
  • It’s a great option if you want comprehensive protection for your appliances

Systems Guard

  • This plan protects 6 crucial home systems such as HVAC, plumbing, heating, electrical, etc.
  • It’s perfect for residents of New Hampshire who want to safeguard important home systems

Total Home Guard

  • Combining both Appliance and System Guard plans, this option provides full coverage for nearly 15 home systems and appliances
  • Suitable for NH homeowners seeking comprehensive home warranty plan

Why We Picked It?

Liberty Home Guard stands out as a customer-friendly company, evident from its highly positive reviews. It’s a good option for those seeking simple coverage for home systems and appliances. With their outstanding service, comprehensive pest control, round-the-clock support, and wide-ranging coverage, they’re a standout choice for homeowners.

Best For Affordable Coverage
3.8 | threehalf_star Excellent
$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

  • Extensive network of technicians
  • Offers discounts regularly
  • Responds same-day on claims

Cons

  • Lower coverage caps

Plans, Cost & Coverage

Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care, with pricing starting from $44 per month. SHW has a $2000 aggregate limit per contract term.

Here is a breakdown of SHW’s costs and plans:

 

Bronze Care

Gold Care

Platinum Care

Cost/Month

$44.42

$44.42

$47.75

Cost/Annum

$479.99

$479.99

$524.99

Bronze Plan

  • Covers 8 essential household appliances
  • The plan includes refrigerators, ovens, dishwashers, etc
  • Suitable for NH homeowners looking for appliance coverage under $45 monthly 

Gold Plan

  • Includes 7 important home systems
  • Covers HVAC, plumbing, water heater, and electrical
  • Perfect for New Hampshire residents seeking exclusive coverage for home systems 

Platinum Plan

  • Comprehensive plan covering a total of 18 systems and appliances
  • Covers everything from the other two plans, plus plumbing stoppages, garage door openers, and ceiling fans
  • Considerable for homeowners having a budget of $50 per month

Why We Picked It?

Select Home Warranty is an excellent choice for homeowners due to its reputation for providing affordable and reliable home warranty plans. With coverage options tailored to meet diverse needs, Select Home Warranty ensures homeowners can find the right plan to protect their homes. Select Home Warranty offers free roof leak coverage, making it an attractive option for those looking for comprehensive protection.

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

  • Provides discounts on annual plans
  • 90-day Guaranteed Service
  • 24/7 customer support for prompt assistance

Cons

  • Lesser coverage limits on the covered items

Plans, Cost & Coverage

ServicePlus Home Warranty offers two plans- Gold and Platinum plans. The premiums start at $37 monthly, and SPHW charges a flat-rate deductible of $75. The company also offers an aggregate coverage limit of up to $1,500.

 

Gold Plan

Platinum Plan

Cost/Month

$37.46

$43.71

Cost/Annum

$349

$424

Gold Plan

  • Covers 15 systems and appliances
  • Includes garage door openers, heating, electrical, plumbing, and kitchen appliances 
  • Ideal for NH homeowners seeking medium-level coverage under $40/month

Platinum Plan

  • Covers 20 household items
  • Includes everything from the Gold Plan with HVAC, refrigerator, washer, and dryer
  • Suitable for NH homeowners looking for comprehensive coverage

Why We Picked It?

ServicePlus Home Warranty offers affordable and comprehensive home warranty protection. All service providers and contractors are approved, certified, and trained, so you can trust in the quality of service. 

Moreover, as an add-on, SPHW provides additional protection against roof leaks, ensuring homeowners’ peace of mind.

Are Home Warranty Plans Beneficial For New Hampshire Homeowners?

Here are the top six reasons you must consider a home warranty in New Hampshire.

  • Home warranty plans in New Hampshire can provide coverage for essential heating systems, ensuring homeowners stay warm during the state's cold winters.
  • Homes in New Hampshire may rely on well water systems, and home warranty plans can protect these crucial components, helping homeowners avoid unexpected repair costs.
  • With heavy snowfall common in the state, a home warranty can cover repairs for snow-related damages to roofs, gutters, and other outdoor appliances.
  • Home warranty plans can include coverage for septic systems, offering peace of mind to homeowners in rural areas with many septic tanks.
  • New Hampshire homeowners can benefit from home warranty plans that cover repairing or replacing aging appliances like refrigerators, dishwashers, and washing machines, helping them avoid sudden expenses.
  • Many home warranty plans offer 24/7 emergency service, providing prompt assistance during critical situations, which is particularly valuable in New Hampshire's unpredictable weather conditions.

How Much Does A New Hampshire Home Warranty Cost?

We have listed below the average premiums and deductibles for a home warranty in New Hampshire.

Average Annual Cost

$400 - $700

Average Monthly Cost

$30 - $80

Average Service Fee (Deductible)

$60 - $125

Factors Influencing The Cost Of The Home Warranty

  • Location-Specific Risks: Factors such as the local climate, prevalent natural disasters, and regional risks in New Hampshire can affect the cost of home warranty coverage. 
  • Service Provider and Plan Options: The provider offering the home warranty and the specific plan chosen by the homeowner can influence the cost. Different providers may offer varying pricing structures and coverage options, allowing homeowners to select plans that align with their budget and needs.
  • Coverage Limits and Deductibles: The extent of coverage and deductible amounts the homeowner selects can impact the home warranty cost. Extensive coverage with lower deductibles typically results in higher premiums.

Home Warranty Coverage In New Hampshire

Let’s check out some general coverage details about New Hampshire home warranty.

General Coverage Of New Hampshire Home Warranty

  • Major Appliances New Hampshire home warranty plans cover repair or replacement costs for major household appliances such as refrigerators, microwaves, dishwashers, and washing machines.
  • HVAC Systems Home warranty coverage often includes heating, ventilation, and air conditioning (HVAC) systems, ensuring homeowners in New Hampshire can access prompt repairs or replacements for essential climate control equipment.
  • Plumbing and Electrical Systems Comprehensive home warranty plans in New Hampshire typically cover plumbing and electrical systems, including repairs for leaks, clogs, faulty wiring, and electrical panel issues, providing peace of mind to homeowners.

Common Exclusions

  • Pre-existing Conditions Home warranty plans in New Hampshire commonly exclude issues known to the homeowner before purchasing the warranty, requiring homeowners to disclose any known problems during the coverage evaluation process.
  • Cosmetic Damage In New Hampshire, cosmetic damage, such as scratches or dents on systems or appliances, is often excluded from home warranty coverage.
  • Negligence or Misuse Regular system and appliance maintenance is crucial to maintaining coverage, as damage resulting from negligence, misuse, or improper care may not be covered by home warranty policies.

Here Are Some Additional Points To Consider

  • Coverage Limits and Deductibles New Hampshire homeowners should carefully review coverage limits and deductibles of the home warranty plans to ensure they understand their financial responsibilities and the extent of coverage provided.
  • Provider Reputation and Service Researching the reputation and service quality of home warranty providers in New Hampshire, including reading customer reviews and checking accreditation, is essential to ensuring reliable assistance when needed.
  • Additional Optional Coverage Homeowners can consider any additional optional coverage available to tailor coverage to their unique needs and preferences. These may be pool/spa equipment, well pumps, or garage door openers.

Who regulates Home Warranty Companies In New Hampshire?

The New Hampshire Insurance Department typically regulates home warranty companies in New Hampshire. This department oversees insurance-related matters within the state, including the licensing, regulations, and consumer protection standards for home warranty providers. 

It ensures that these companies comply with state laws and regulations to protect consumers and maintain the industry's integrity.

Final Word

Whether braving the winter chill or addressing unexpected repairs, the top home warranty company in New Hampshire can stand ready to protect homeowners throughout the year. So, I understand your needs and the terms provided by the companies that will help you pick the best-suited home warranty in New Hampshire.

Frequently Asked Questions (FAQs)

What Are The Most Common Home Repairs In New Hampshire?

A.

In New Hampshire, residents commonly report home repairs related to heating systems, roofing, and plumbing issues. The state’s climate, characterized by cold winters, contributes to frequent heating system problems, such as furnace malfunctions or thermostat issues. 

Roofing repairs often address issues caused by snow, ice, or severe weather conditions. Additionally, plumbing repairs may be necessary due to frozen pipes or issues related to the colder temperatures.

When Should I Buy A Home Warranty?

A.

Deciding when to buy a home warranty depends on your circumstances and homeownership stage. Many opt for a home warranty when purchasing a new home to ensure immediate coverage for essential systems and appliances. If you own a home without warranty coverage and want protection against unforeseen repair costs, acquiring a home warranty is a prudent choice.

Additionally, a home warranty provides a financial safety net if your home’s appliances or systems are aging or you have limited emergency funds for potential repairs.

How To File A Home Warranty Claim?

A.

Contact your warranty company through their customer service hotline or online portal to file a home warranty claim. Provide details about the issue, pay the required service fee, and the company will dispatch a qualified service provider. The provider will assess and address the problem, with the warranty covering the cost of repair or replacement as outlined in your contract.

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