Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Somerville offers homeowners some beautiful living options. However, unplanned repair and replacement costs on your home’s appliances and systems can get quite pricey. A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
The home warranty market is filled with a lot of providers — all with different coverage — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Somerville.
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 is the most trustworthy home warranty in Somerville. Liberty has over 6 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. When you buy a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
For a more detailed breakdown, read our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 is the best overall home warranty in Somerville. Choice has over 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. When you buy a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
For a more detailed breakdown, read our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 is the most cost-effective home warranty in Somerville. Select has over 11 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. When you buy a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Select’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
For a more detailed breakdown, read our Select Home Warranty Review. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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 is the most customizable home warranty in Somerville. AHS has over 26 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. When you buy a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our American Home Shield Review. To get a free quote from American Home Shield, fill out this online form or give them a call at 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 is the home warranty with the best workmanship guarantee in Somerville. Cinch has over 44 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. When you buy a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our Cinch Home Services Review. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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 is the best home warranty with the quickest service in Somerville. HSC has over 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. When you buy a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that provide a combination of system and appliance coverage. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
For a more detailed breakdown, read our The Home Service Club Review. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,660 |
| Heating | $4,440 |
| Electrical | $666 |
| Toilets | $555 |
| Washer/Dryer | $888 |
| Plumbing | $666 |
| Oven | $1,776 |
| Fridge | $666 |
A home warranty is a protection policy that assists Somerville homeowners in reducing the costs of appliance and system repairs. The plans offer financial coverage to swap out or fix appliances and systems that malfunction due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid expensive emergency repairs. The coverage is particularly helpful for owners of older houses or houses with systems near the end of their life span. However, people with newer homes and modern appliances may not require a home warranty.
Home warranties cover many home systems and appliances. Covered appliances normally include dishwashers, washers, refrigerators, dryers, garbage disposals, microwaves, and more. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty providers also offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Most home warranty plans require Somerville homeowners to wait 30 days before the plan will cover repairs. Additionally, policies usually only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty words to learn before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies, although most plans include protection for electrical, plumbing, AC, heating, and appliances. More inclusive plans may also provide protection for additional items such as spas, well pumps, pools, and roof leaks. Look for companies with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a provider with lower service fees to maximize savings on every claim. Some providers also eliminate deductibles when customers have a claim-free period.
A home warranty provider's reputation can offer insight into things such as approval rates for claims, contractor quality, speed of repairs, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Reach out to potential businesses to learn the number of repair specialists they have in Somerville and get an idea of how fast your repairs could be handled in an emergency. Wider networks raise the probability of getting qualified contractors to quickly service your home.
Some home warranty companies include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These can offer extra value beyond just repair coverage. Extra bonuses allow you to enhance your home and get the most from your warranty policy.
Temperatures in Somerville can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Somerville, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
Additionally, having a home warranty can save you some time by eliminating the need to research technicians — most companies will send a trusted professional right to your door to do the repair or replacement. Another added benefit of having a home warranty policy is that it can raise your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
As for the drawbacks of home warranties, coverage varies by provider, so it’s important to read what each policy covers and doesn’t include in the contract.
Also, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty policy costs, on average, about $300 to $600 a year in Somerville. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover problems with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects the entire home from natural disasters, which might not be too much of a concern in Somerville. It doesn't cover a typical appliance or system breakage.
A home warranty plan can help investors, home sellers, real estate agents, homeowners, and homebuyers. It can offer peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Somerville include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your home systems and appliances, such as your washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover only the specific items listed in the contract.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Somerville is $465,685, a home warranty can be an added asset when buying a home.
