Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Although homeownership in Stoughton has a great number of benefits — such as being surrounded by nature — there are also not so glamorous sides. One major headache many homeowners have to deal with inevitably is replacing or repairing their home systems and appliances. A home warranty can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
The home warranty market has many providers — all with different plans — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Stoughton.
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
In Stoughton, Choice Home Warranty is the best overall home warranty. Choice has been in the home warranty business for over 15 years. The 2 plans from Choice are comprehensive and offer both system and appliance coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Stoughton homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000.
For more information, read our thorough review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Basic Plan
Total 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
In Stoughton, American Home Shield is the most customizable home warranty. AHS has been in the home warranty business for over 26 years. The 3 plans from AHS are comprehensive and offer both system and appliance coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Stoughton homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500.
For more information, read our thorough review of American Home Shield. To get a free quote from American Home Shield, you can 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
In Stoughton, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for over 44 years. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Stoughton homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000.
For more information, read our thorough review of Cinch Home Services. To get a free quote from Cinch Home Services, you can 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
In Stoughton, The Home Service Club is the best home warranty with the quickest service. HSC has been in the home warranty business for over 15 years. The 2 plans from HSC are comprehensive and offer both system and appliance coverage. 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, HSC is the perfect provider for you. Plus, it 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 offers 2 plans for Stoughton homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000.
For more information, read our thorough review of The Home Service Club. To get a free quote from The Home Service Club, you can 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 | $6,106 |
| Heating | $4,071 |
| Electrical | $611 |
| Toilets | $509 |
| Washer/Dryer | $814 |
| Plumbing | $611 |
| Oven | $1,628 |
| Fridge | $611 |
A home warranty is a protection plan that helps cut costs for Stoughton homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid high-priced emergency repairs. The coverage is especially helpful for owners of older houses or houses with systems near the end of their life span. However, homeowners with newer homes and functioning appliances might not need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include garbage disposals, dryers, microwaves, refrigerators, washers, dishwashers, and more. Covered systems are usually air conditioning, electrical, plumbing, and heating. Many home warranty providers offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Stoughton homeowners should know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as cosmetic issues, natural disasters, pre-existing conditions, or improper use of a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Before signing 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 varies, although most plans include protection for electrical, plumbing, AC, heating, and appliances. More comprehensive options may also cover additional items such as spas, roof leaks, pools, and well pumps. Focus on providers with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize protection for your home's 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 companies also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation gives insight into things such as approval rates, contractor quality, repair timeliness, and customer satisfaction. Use review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty companies have networks of local contractors to handle repairs in your area. Contact potential providers to ask how many repair professionals they have in Stoughton and get an idea for how fast your repairs might happen in an emergency situation. Larger networks improve the likelihood of getting qualified contractors to swiftly service your home.
Home warranty providers might include bonuses such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These extras can add value beyond basic repair coverage. Additional perks can maximize the usefulness of the home warranty.
Home warranty plans are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Stoughton hitting an average high of 55℃F, you may find that certain appliances, such as your air conditioner, get a lot of use. A home warranty can remarkably lower out-of-pocket costs should your HVAC system stop working.
Not to mention, having a home warranty can save you some time by eliminating the need to research service technicians — most providers will send a trusted professional right to your door to carry out the necessary repair or replacement. Another good thing about having a home warranty is if you want to sell your home, you can most likely transfer your home warranty policy to the new owners. This can make your house more attractive to potential homebuyers and help your house sell faster.
There are also some drawbacks to purchasing a home warranty policy, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered under a manufacturer's warranty.
Another thing to take into consideration is that some providers don’t cover pre-existing damage and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about this if you need more information or if this is a problem for you.
A home warranty costs, on average, around $300 to $600 a year in Stoughton. 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. In addition, it's typically less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects a home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or dishwasher, unless the damage is a result of a natural disaster, which is somewhat common in Stoughton.
A home warranty can help homebuyers, investors, real estate agents, homeowners, and home sellers. It can provide peace of mind and savings to anyone involved in homeownership.
A home warranty policy will cover your home’s appliances, systems, 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 last a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Stoughton, where the median value of a home is $337,139, having the seller pay for the home warranty can save you some money on your new home.
