Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Hanover gives homeowners some great housing options and the opportunity to enjoy all four seasons. However, temperatures can put quite a strain on your home’s systems, such as your HVAC. A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Finding the right warranty for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Hanover. Keep reading for our home warranty recommendations.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Hanover. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process quick and easy.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered appliance or system.
Read our Liberty Home Guard full review to learn more. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty in Hanover. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process quick and easy.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered appliance or system.
Read our Choice Home Warranty full review to learn more. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty offers the most cost-effective home warranty in Hanover. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process quick and easy.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 per covered appliance or system.
Read our Select Home Warranty full review to learn more. To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield offers the most customizable home warranty in Hanover. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process quick and easy.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered appliance or system.
Read our American Home Shield full review to learn more. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee in Hanover. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process quick and easy.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 per covered appliance or system.
Read our Cinch Home Services full review to learn more. To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service in Hanover. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process quick and easy.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered appliance or system.
Read our The Home Service Club full review to learn more. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,806 |
| Heating | $4,537 |
| Electrical | $681 |
| Toilets | $567 |
| Washer/Dryer | $907 |
| Plumbing | $681 |
| Oven | $1,815 |
| Fridge | $681 |
A home warranty is a protection policy that helps Hanover homeowners in reducing the expenses of appliance and system repairs. The plans offer financial coverage to swap out or fix appliances and systems that break down due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners a sense of security since it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties cover many household systems and appliances. Covered appliances normally include microwaves, washers, dishwashers, garbage disposals, refrigerators, dryers, and more. Covered systems include electrical, heating, plumbing, and air conditioning. Many home warranty providers also offer additional coverage for locksmiths, roof leaks, septic systems, and central vacuums. Most home warranty plans require Hanover homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should understand key terms like:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage can have major differences in what's included. Most plans include protection for electrical, plumbing, heating, AC, and appliances. More inclusive options also offer coverage on other items such as spas, well pumps, roof leaks, and pools. Focus on providers with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty companies maintain networks of contractors to handle covered repairs. Larger networks raise the probability of getting qualified technicians to swiftly service your home. Ask potential providers how many contractors they have in Hanover to get a sense of how quickly your repairs could be handled in an emergency.
Some home warranty companies include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can offer extra value beyond repair coverage. Extra bonuses let you enhance your home and get the most from your home warranty.
Home warranties are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Hanover reaching an average high of 57℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can considerably bring down out-of-pocket expenses should your HVAC system break down.
A home warranty also can also save you time and energy. Instead of spending hours researching and selecting a repair person to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. A home warranty can also offer value in other ways. For example, some plans can be transferred between owners during a home sale.
Home warranties also have some drawbacks. Though it can save you time when the home warranty sends out a repair person who carries out the repair for you, some may not like this, and they would rather select a contractor themselves. If that’s the case for you, some home warranty plans let you choose a contractor.
Another thing to bear in mind is that some companies don’t cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty provider for clarification about these things if you need more information or if this is a problem for you.
A home warranty policy costs, on average, about $300 to $600 a year in Hanover. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects the entire home from natural disasters, which can sometimes be a concern in Hanover. It doesn't cover a typical appliance or system repairs.
First-time homebuyers, landlords, homeowners, home sellers, and real estate agents are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty policy will cover your systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Home warranty plans typically offer coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
In general, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Hanover, where the median value of a home is $321,092, having the seller pay for the home warranty can save you some money on your new home.
