Are you searching for the best home warranty in Maine?
Great, you are in the right place. In this guide, you’ll learn:
- How do you choose the best home warranty plan?
- Who benefits from home warranty plans in Maine?
- Are there specific coverages Maine residents should select?
- Does Maine regulate home warranty companies?
- And more!
Reading this guide and the top 7 list will help you pick the best possible plan and home warranty provider. So, take a look at what we found below.
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Who Needs A Home Warranty in Maine?
Home warranty customers throughout the country save money and time, and the benefits are not limited to homeowners. Landlords, homeowners, homebuyers, and real estate agents all reap the rewards of a quality home protection plan.
As a homeowner in Maine, when a major home appliance or system breaks, you are responsible for fixing it. The devices in your home, like your refrigerator, garbage disposal, water heater, HVAC system , and garage door opener, make your life easier and more comfortable, especially living in a northern state.
Top 7 Best Home Warranty Companies in Maine
So, when a home component breaks, it is very frustrating, and the financial strain it can put on your household is stressful. With a home warranty, you do not have to worry about not having the money to replace a covered item when it malfunctions.
Homebuyers never know what to expect after they close, particularly with the purchase of an older home. Even with a home inspection, a major repair could be necessary as soon as a few days or weeks after your close on your new home.
Many homebuyers forget to consider a home warranty because they have so many other expenses when closing on a new home. However, a home warranty is the best way to protect yourself from unnecessary costs associated with homeownership.
Home Sellers and Real Estate Agents
Home warranties also increase the value of homes with older systems and appliances because buyers know when a covered item breaks, they can get it repaired without investing more money in their new home. Properties need to be maintained while its in escrow.
Top 5 Best Home Warranty Companies In Maine
|Maine Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|Cinch Home Services||From $35 to $50||From $100-$150|
So, if something breaks before your property sells, you either have to reduce the sales price so the new homeowner can hire a service contractor or you have to have the broken components fixed.
If you are selling your historic Brunswick property or your Portland home with older appliances, you can increase buyer confidence by purchasing a home warranty. When you are buying a plan before closing, the coverage carries over to the new owner with no lapse in coverage.
For real estate agents, helping people buy homes is a rewarding career unless a major home component breaks while the property is under contract. While many buyers are understanding, others will back out of the purchase. When the property is covered, you do not have to worry about home repairs causing a buyer to have cold feet.
When a significant appliance breaks, it does not matter if you are the property owner or a tenant, it is stressful. Home protection plans help to reduce the headache of dealing with home repairs.
Best Home Warranty in Maine?
Choice Home Warranty is our top pick for Maine. Why? Choice covers homes up to 5,000 ft, free contract transfers, reasonable annual premiums and they won't deny you coverage if you own an older property.
When you are renting a property, your monthly rental payment includes maintenance. However, paying your rent on time does not guarantee that when an expensive repair is necessary, your landlord will fix it.
If you rent a property with home warranty coverage, you do not have to worry about arguing with the landlord about making repairs. As a landlord, your home warranty plan helps you to manage repairs and protect yourself financially from unexpected failures.
Handling maintenance calls promptly is also essential because your tenant may be able to withhold rent until you fix the broken system or appliance. So, buying an affordable home warranty package can protect your rental income, as well.
What Should You Think About When Purchasing A Home Warranty in Maine?
So, there are a few things you should consider when choosing a plan. By considering the unique features of your state, you can select the coverage that best fits your Maine property.
During the winter, it is freezing in Maine. Average winter temperatures range from 15 to 25 degrees, and snow is frequent. On average, the state receives 123.8 inches per year.
On a list of states with the most snowfall in the United States, Maine is 18th behind neighboring New Hampshire, Vermont, and New York. However, it is also susceptible to the harsh winter storms that affect its neighboring states.
So, as a resident of Maine, you need to make sure you have coverage for your heating system. You should also cover your plumbing and electrical systems.
While your homeowners insurance covers any storm damage, harsh weather can cause strain on a home system. Over time, it can cause major components to malfunction.
The White Pine Cone state has a coastline, mountains, lakes, and rocky cliffs. In addition to the cold climate being a concern, for those living in the easternmost part of the state, the saltwater can be very corrosive to outdoor components and even home systems.
To best protect your HVAC system, plumbing system, ductwork and similar systems from the ocean air in ME, the right home warranty plan can help.
Maine is the most northeastern state in the country. It is located on the Atlantic coast and borders Canada on one side and Vermont on the other. The location makes it especially susceptible to bitter cold and infamous Nor' Easter storms.
When the temperature drops and residents are stuck indoors, not only do your most essential systems need to be in tip-top condition but your appliances as well. Snowstorms are the perfect time to heat up a warm cup of hot chocolate on your cooktop, and costly repairs can impede on the use of these basic appliances.
What Will A Home Warranty Cost A Resident Of Maine?
Your home protection investment depends on the items you cover. Plans range from $300 to $650 a month, but you also have the option to add coverage for items not included in your package.
Add on coverage prices depend on the type you purchase. For example, adding pool coverage will likely cost you around $100 per year, while adding a second refrigerator usually starts at $25 annually.
What Types Of Plans Are Available For You In Maine?
Maine home warranty providers offer coverage in different ways. Usually, companies offer the following plans:
Appliances - These plans only cover appliances. However, an appliances plan will not necessarily cover all of your home appliances. An appliance usually includes cooktops, dishwashers, garbage disposals and refrigerators as a form of basic coverage.
Systems - Systems plans from top Maine home warranty companies cover all of your central home systems, including air conditioning, heating system, ducts electrical, water heaters plumbing stoppages, and air ducts.
Combo - Combination plans include coverage for appliances and systems. These plans are also known as “premium” or “total” plans, as more components and devices are covered in your home. These plans usually cover a mix of items like air conditioning, heating systems, central vacuums, garage door openers, clothes washers and dryers, trash compactors, and refrigerators.
Add-Ons - Add-ons give you the ability to add coverage for items that are not included in your chosen plan, like pools, septic systems, air conditioners, and furnaces.
Is A Home Warranty Worth It In Maine?
Protecting your Maine property with a home warranty saves you money and gives you peace of mind. In Maine, having a working heating system is critical.
Financial experts suggest homeowners should expect to spend a dollar per square foot properly maintain their homes and that you should have at least that much saved.
Even if you follow expert advice, you may not have enough saved if your heating system stops working. Heating system replacement costs can exceed $5,000.
Even a simple plumbing stoppage can cost as much as $250, and a comprehensive plan from one of the best home warranty companies in Maine is just a few hundred dollars more annually.
Plus, many home warranty customers receive other valuable benefits from their providers like free air conditioning filters, free pest control, and discounts on maintenance.
What Are The Home Warranty Regulations In Maine?
Yes, Maine does regulate home warranties, but not to the extent that some states do. In the state, home warranty companies are not looked at as insurance providers, and thus they are not subject to the same laws. However, there are guidelines in place for companies that offer home warranties.
That means, as a consumer, you have to be even more careful about the company you select. You need to read reviews on sites like the Better Business Bureau (BBB) and verify the terms and covered items in your contract before committing to a plan.
How To Choose Coverage In Maine (Is It Unique)?
Choosing the right coverage for your Maine property is a process. However, taking a few steps to select the correct package will ensure that you get the most out of your warranty.
Step 1: Get Free Quotes
All of the top providers offer free quotes to consumers. Obtaining quotes allows you to get an idea of how much it will cost to cover each of the items you want.
Step 2: Review The Covered Items And Replacement Limits
One of the most essential steps in choosing a plan is reading the fine print to verify which appliances and systems are included. As a Maine homeowner, you must protect your heating system.
Some companies give coverage for heaters in their basic plans. However, that is not usual. So, if you are choosing a basic plan, it is imperative to choose one that includes heating systems.
Step 3: Read Consumer Reviews
Customer reviews are the perfect place to gain insight from first-hand customer experiences. You can learn how companies handle claims and if customers have issues getting claims covered.
While reviews are helpful, you should read through positive and negative reviews for each home warranty company, and also read the company's response to any complaints.
Check out this video below for five common mistakes that people make when purchasing a home warranty.
Top Home Warranties For Maine Reviewed
Now that you know what you need to look for when shopping for a plan, you are probably wondering which home warranty companies offer the best coverage in Maine. So, we put together a list of the top 5 best home warranty providers in the state.
Below you will find a brief overview, plans, and the pros and cons of working with each company.
1. Choice Home Warranty
Choice Home Warranty is our top pick for Maine homeowners. Choice is one of the largest companies in the home warranty market, but the coverage is comprehensive, and the plans are affordable.
The Basic Plans starts is just $36.17 per month, and it includes more than a dozen home appliances and systems, including your home's heating system. The Total Plan is less than $10 more per month at $43.85, and it includes washers and dryers, air conditioners, ductwork, air conditioners, and more.
- Both Choice plans cover heating systems.
- Choice has 24/7/365 customer and emergency services.
- Work completed by Choice service technicians is guaranteed for 90 days.
- Due to the smaller network of contractors, some customers report service call delays.
- Some older appliances may not be covered in your plan.
- Replacement limits are low for some items.
2. American Home Shield
American Home Shield (AHS) has an extensive database of vetted service technicians, covers older appliances, and AHS is one of the oldest providers in the industry. In terms of the number of contracts each provider has, more customers trust American Home Shield to protect their home than any other warranty company.
Coverage options include appliances, systems, combo, and build your own plan. The appliance and systems plans start at $49.99, and the combo plan is the most expensive option at $59.99 per month.
You also have the option of choosing your home service fees, and you can purchase add-on coverage for systems not covered in your plan.
- AHS offers customizable coverage.
- The network of vetted technicians is extensive.
- Service requests are accepted online and over the phone.
- Plans are more expensive.
- Replacement limits differ depending on the covered item.
- Contractor work is only guaranteed for 30 days.
3. Select Home Warranty
Select Home Warranty has been offering home warranties since 2009. It is one of the smaller companies in the industry in terms of employee size, customers, and service providers.
However, Select offers plans that are comparable to larger competitors. Bronze, Silver, and Platinum Plans are all available, and each covers different items.
The Bronze and Silver Plan cover appliances or systems both start at $35.83, and the Platinum Plan, which includes both, is less than $2 more per month at $37.50.
- Select receives positive consumer reviews on the BBB.
- The plans and add-ons are affordable.
- You can cancel free within the first 30 days of your contract.
- You have to file claims within 3 days.
- Select may not guarantee contractor work.
- The service provider network is smaller than more established companies.
4. Total Home Protection
Total Home Protection opened for business in 2016. So, it is one of the newest Maine home warranty providers. However, Total is worth mentioning. The plans are reasonable, and if you have a septic system, the coverage is top-notch.
You can choose between the Gold Plan and the Platinum Plan with coverage starting at $45.33 per month. You also have the option of adding coverage for systems and appliances not included, and fees for add-ons are reasonable.
- Total offers superior protection for septic systems.
- Repairs made by Select contractors are guaranteed for 90 days.
- Emergency and customer service are available 24/7/365.
- Claims have to be filed within one day.
- If you do not cancel in the first 30 days, there is a $50 cancellation fee.
- Total Home Protection has been in business for less than 5 years.
5. Cinch Home Services
Cinch Home Services provides an appliance, systems, and combo plans for Maine homeowners, and guarantees that your maintenance issues are addressed “in a cinch.”
Coverage starts at $34.99 per month, and the service fees are $100 per service request. If you want a comprehensive plan that covers both systems and appliances, the combo plan includes nearly every home component. Regarding heating systems, this essential system with ductwork is covered in both their Built-in Systems Plan and Complete Home Plan.
- You can submit claims online and over the phone.
- You have access to 24/7 emergency services.
- The plans are affordable.
- Service calls are $100 per request.
- Cinch is a newer company with less home warranty experience.
- It may take longer to get a service appointment.
Final Thoughts On Home Warranties In Maine
In Maine, protecting your home is essential. You simply cannot live through the winter without a heater. You need to select a plan that includes your heating system and ductwork at the very least.
So, when choosing a plan for your Maine home, you either need to go with a basic plan from a company like Choice Home Warranty that includes heaters, or you need to select a premium plan from a trustworthy provider.