Connecticut homeowners can have their choice between country living or a beachside town. Connecticut has a great mix of seasonal temperatures and easy access to New York City. As great as homeownership in Connecticut is, there will still be issues that come up with home systems and appliances. If you are looking for the best home warranty in the state of Connecticut, we have all the information you will need.
In this guide, we will cover . . .
- What is a home warranty?
- Why should you have home protection on your home?
- What should you look for when purchasing a home warranty?
- The 6 best home warranty companies in 2021
- And much more!
With Connecticut experiencing very warm summers and snowy and cold winters, a Connecticut home must be prepared for a variety of conditions. Having a home warranty that protects all the systems and appliances in a CT home is a must for all homeowners.
Home warranty companies help you save money on expensive home repairs. They also allow peace of mind while owning your home. If you are looking for the best home warranty companies in Connecticut, we have all the information you need.
Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.
Compare Connecticut Home Warranty Providers
|Provider||Visit Site||Best For||Monthly Cost||Service Fee||BBB Rating|
|Choice Home Warranty||Site||Best Overall||$40 - $48||$85||B-|
|American Home Shield||Site||Most Customizable||$50 - $60||$75 - $150||B|
|Select Home Warranty||Site||Most Affordable||$36 - $38||$60||B|
|Liberty Home Guard||Site||Best Reviewed||$40 - $60||$60||A|
|Cinch Home Services||Site||Best Workmanship||$28 - $40||$100 - $150||A-|
|First Premier Home Warranty||Site||Best Coverage||$45||$75||B-|
|ServicePlus Home Warranty||Site||Best Emergency Service||$41 - $45||$75 - $125||A|
Connecticut Home Warranty Costs
Now that you understand the benefits of a home warranty and how it can help you as a Connecticut homeowner, it’s important to understand the costs involved in a plan like this. The home warranty plan must fit in with your monthly budget. In addition, to see value in the plan, it must save you money in the course of a year. At Review Home Warranties, we felt as though it would be important for Connecticut homeowners to have an idea of what the average cost of a home warranty is. We did some in-depth research to determine how the monthly fees, service fees, and coverage caps all combine across several different home types. If 2021 is your year to invest in a home warranty plan, it pays to be informed and understand what the averages are.
Average Annual Premium
Single Family Home
Home Over 5,000 sq ft
Home Under 5,000 sq ft
Connecticut Home Warranty Companies Reviews
At Review Home Warranties, we have reviewed more than 70 companies to help narrow down the top six home warranties for Connecticut homeowners. When comparing home warranty companies, we look at customer service reviews, coverage options, plans, overall pricing, time in the industry, and more. Here are our reviews of the top 6 home warranty companies in the state of Connecticut
1. Best Overall: Choice Home Warranty
Choice Home Warranty is the best overall home warranty policy in the state of Connecticut. The thing that helps Choice Home Warranty stand out as the best overall is the simplicity of the contract. With Choice Home Warranty, everything is kept simple; homeowners can easily see what is covered under their plan without feeling as though they are tricked. Choice Home Warranty has been on the market for more than a dozen years, and they have an excellent reputation for high-quality workmanship and quick service.
Comprehensive plan options
It won’t allow for custom plan build-out
Fair overall pricing
Reasonable service fees
A good sign-on incentive
Plans and Pricing
There are only two Choice Home Warranty policies to choose from; however, this should not discourage you. Each of the two plans, the Basic Plan and the Total Plan, have both system and appliance coverage. Most other companies charge a premium for combo coverage, but with Choice, it is a standard.
Cost Per Month
The Choice Home Warranty offers some of the highest coverage caps on the market. If you have high-end appliances or systems and are worried about repair costs being over $1000 or more, the Choice Home Warranty plan is an excellent option for you. Most of the coverage caps are going to be in the $2500 range. Some of the coverages that Connecticut homeowners take full advantage of include...
- Plumbing system
- Washing Machine
- Water Heater
- HVAC system
What Customers Are Saying:
“The tech did a great job replacing our garbage disposal. He was very professional and friendly. Very quick service. I love our home warranty but hope nothing else happens, but if it does, I know we're in good hands. We have a few more years left but will renew when that time comes.” Source
2. Most Customizable: American Home Shield
American Home Shield is the most customizable plan for Connecticut homeowners. With the American Home Shield plan, you will be able to pick and choose the coverages that you want to include as part of your policy. In addition, you can customize the monthly payment to ensure that it fits within your budget. With more than 50 years in the home warranty industry, AHS knows what Connecticut homeowners need. Although some of the pricing from American Home Shield may be a bit higher, the overall quality of this plan is among the best on the market.
Been around for more than 50 years
A premium-priced policy
Built out custom plans and add on options
Add on coverage choices
Plans & Pricing
American Home Shield has three options for Connecticut homeowners. The Gold Plan tends to be one of the most popular because of the combination of covered items. You can use any of these plans as a base for a policy and then add and subtract coverages to work for your homeownership needs.
American Home Shield has some of the higher coverage caps on the market. If you have high-end systems or appliances in your home, the CT American Home Shield warranty has coverage caps of $2500 or more. In addition, American Home Shield is known for having some of the highest claims payouts in the home warranty industry. This company will stand by its word to protect your CT home and your personal budget. The most popular home system and appliances covered in the AHS plan are...
- Heating system
- Garbage DIsposal
What Customers Are Saying
“I love the coverage we get with AHS! We have used our warrant so far on: Septic pump repair, HVAC coil cleaning, HVAC tune-up, microwave repair, water heater replacement, and cracked plumbing in our basement X's 2! This has been a huge saving for us! As the unexpected happens in the midst of homeownership, it is a huge relief to know we are covered!” Source
3. Most Affordable: Select Home Warranty
Select Home Warranty is the most affordable home warranty in the state of Connecticut. Having an affordable home warranty plan will help to ensure that you are properly covered while not impacting your monthly budget. A home warranty plan like the Gold Care or Bronze Care plan from Select Home Warranty can be a perfect choice for a first-time homebuyer. Each Select Home Warranty plan comes with free roof leak coverage. The Select Home Warranty has been on the market for nine years and continues to help Connecticut homeowners see the value in having a home warranty.
Impressive customer service
Lower policy limits
Clearly defined coverages and exclusions
Not great for high-end appliances and systems
High workmanship quality
Straightforward policy choices
Plans and Pricing
The Select Home Warranty plan has three policy choices. The Platinum Care plan offers the best value as it includes all the Gold Care and Bronze Care coverage, and it is just a few dollars more per month. You can always start with a Gold Care or Bronze Care to keep the costs down and then upgrade at a later point.
The coverage for the Select Home Warranty plans is quite good; the only thing that customers need to be aware of is that the limits on the policy can sometimes be a bit lower. Lower policy limits are tough for Connecticut homeowners with high-end appliances or systems. If your home is very modern and high-tech, you may want to consider AHS or CHW. Some of the coverages that Connecticut homeowners are taking advantage of as part of their plan include . . .
- Heating systems
- Ceiling fans
- Electrical systems
What Customers Are Saying
“Select Home Warranty has been great to us for the past 3 years. Great price and a low deductible (under $50). Using SHW has saved us thousands of dollars out of pocket on our old HVAC system and the electrical system just last week. Someone always comes out within 2 business days after filing a claim. I am very surprised to read all of the bad reviews here since we've had nothing but a positive experience with SHW.” Source
4. Best Reviewed: Liberty Home Guard
The Liberty Home Guard plan is an excellent choice for those looking for a valuable and highly rated company in the state of Connecticut. When shopping for a home warranty policy, it is important to consider how the company is reviewed and how that will impact your decision to purchase. Liberty Home Guard has only been on the market for two years, yet they have maintained an A rating with the BBB. Customers are very impressed with the speed of service and the add-on coverage choices that Liberty Home Guard offers. If your Connecticut home has some unique features, Liberty Home Guard will most likely have coverage to help you.
BB Rating of an A
Option plan choices are a bit higher in price
Overall fair pricing
The price increases quite a bit for comprehensive plans
60 Day workmanship guarantee
Add on coverage list is extensive
Plans and Pricing
The three Liberty Home Guard plans include the Appliance Guard, Systems Guard, and Total Home Guard. The Total Home Guard tends to be the most popular choice because of the combination of coverages. For CT homeowners, anytime a comprehensive plan can be purchased for close to the same price as an appliance or systems plan, it is worth considering this policy.
Total Home Guard
The Liberty Home Guard coverage is quite good; however, if you want a full policy, you will need to add on quite a few of the optional coverages. These coverages have their own monthly premiums, which will significantly impact the plan’s overall cost. If you want to save money, stick to the basic plan choices in Total Home Guard. Many Connecticut homeowners choose Liberty Home Guard coverages such as . . .
- Garbage disposal
- Air Duct
- Water Heater
What Customers Are Saying:
“Woke up at 3am to realize my power went out. I sent an email to Liberty, and they had a professional electrician at my house first thing, 7am.” Source
5. Best Coverage: First Premier Home Warranty
First Premier Home Warranty is the best home warranty for Connecticut residents that need extensive coverage for their systems and appliances. Some homeowners like to have coverage that covers as many items in the home as possible, and others want more in-depth coverage of a few individual items. If you want a plan that gives you blanket-like coverage across the entire home, First Premier is a great choice. With a very short period of time in the home warranty industry, the First Premier Home Warranty has an impressive A- rating with the BBB. You will find that if you like to pay upfront for a policy, you can save quite a bit of money with First Premier.
BBB Rating of A-
Short time on the market
A newer company that is continually improving
Not everyone wants to pay upfront for the year
Low costs if you pay upfront
Modern technology and systems in place
Plans & Pricing
First Premier keeps things simple with their policy choices, however, each of the policies has a large number of covered items. Overall the pricing of the First Premier Home Warranty is quite good.
The coverage for the First Premier Home Warranty policies includes both systems and appliances. With over 15 options on the Premier Plan, the value that you get is quite impressive for this affordable plan. Keep in mind that some of the coverage caps will be a bit lower with the First Premier home warranty. Some of the coverages that Connecticut homeowners tend to take advantage of are the . . .
- Water heater
- Plumbing system
What Customers Are Saying
“Great response in a timely manner. Excellent professional technicians. I have never had a problem with First Premier Home Warranty. My dishwasher was “dead”, with no power. FPHW has sent their technician the next day, and he determined the control board burned. He ordered the spare part and 2 days later my dishwasher was working smoothly. Great experience. Keep up the great work.” Source
6. Best Workmanship: Cinch Home Services
The Cinch Home Services warranty offers the best workmanship for a Connecticut homeowner. If you are worried about the quality of a repair, Cinch Home Services is the company to choose. When a repair technician comes to your home, their work will be guaranteed for 180 days. For most other home warranty companies the guarantee is only 60 or 90 days. Cinch home services has a 40-year history in the home warranty industry and this has helped them prove their value and standards.
Long history in the home warranty business
Higher service fees
180-day workmanship guarantee
Negative customer reviews
Moderately priced plans to choose from
Plans and Pricing
There are three plans from Cinch Home Services the appliances plan, built-in systems plan, and a complete home plan. The service fees for Cinch Home Services are higher than other plans on the market, yet they are going to offer that impressive workmanship.
Built-In System plan
Complete Home Plan
Overall Cinch Home Services has good coverage, even if some of the policy limits are a little lower. The coverage in the Complete Home Plan will cover a wide range of systems and appliances, but coverage caps will be closer to the $500 mark than the $2500 or $3000 mark you see with other companies. Some of the most popular coverages under the Cinch Home Services policies include . . .
- Septic tank
- Sump Pump
- Ice Maker
- Plumbing System
What Customers Are Saying
“There are alot of home warranties out there. Some of them advertise on TV every five minutes. Total Protect, however, hardly advertises because they care more about customer care and service. The contractors they hire love them and us customers who use these contractors are happy. I have used Total Protect about two or three times a year for different problems and these contractors are honest, efficient and friendly. Before you get any home warranty company, check Total Protect out. You will not be disappointed.” Source
What You Should Consider Before Buying A Home Warranty in Connecticut
Now that you are a Connecticut home warranty expert, it’s time to narrow down the top choices on the market and choose a plan that is specific to your Connecticut home. There are lots of things to consider when comparing one plan to another including pricing, customer service, BBB reviews, and more. Here are a few of the top ways to decide if a Connecticut home warranty is for you.
Take a look at the plan choices that a company offers. Do these plan choices match the coverage needs that you have for your home? Plan choices will vary from one company to the next but most home warranty companies offer a systems plan, appliance plan, and a combo plan.
The service fees are the prices you pay each time you need a repair at your Connecticut home. The service fees are going to range in price from around $60 to $150. The lower service fees typically come with higher-priced plans. In addition to considering the service fees, take a look at the workmanship guarantee that the plan has.
Customers can give us some great insight into how a home warranty plan actually functions. If you are new to the world of home warranties, the customer reviews will help you understand what to expect. Be aware that many of these reviews are negative because of people being angry about a claim denial. There are specific home maintenance procedures that you must follow for your home warranty coverage to take effect. These will be clearly communicated in your service contract.
Home Warranty Tips for Connecticut Residents
Connecticut has four very distinct seasons to deal with. The winters will be freezing cold and require full use of a home heating system and a water heater for those warm winter showers. Many home warranties also offer roof leak coverage, and that is a smart option for those that have snow that accumulates on the roof.
As cold as those Bridgeport, Stamford, and New Haven winters are, the summers will be just as warm. If you live in Greenwich, Norwalk, or Fairfield, you may also live close enough to the beach to enjoy a little bit of the salty air all year long.
Of course, with Connecticut bordering a large portion of the Long Island Sound, some homes will experience wear and tear at a rate faster than the normal pace. Living next to the water has its benefits, but it also has its disadvantages.
The state of Connecticut is relatively flat, and plumbing and electrical issues will not be as widespread. However, the overall age of the homes in Connecticut tends to be an issue that homeowners can run into.
In areas like Trumball and Westport, where the homes could be hundreds of years old, a simple issue with a washer or dryer may end up being a more complicated electrical problem. This is where it makes sense to have a home warranty plan with both system and appliance coverage.
Connecticut is one of those states that has plenty to offer its residents. However, to take advantage of all of the positives of Connecticut homeownership, you must be prepared to deal with the negatives. A home warranty is the best way to do that.
Home Warranty Regulations in Connecticut
In Connecticut, CGS Chapter 827, Section 47-116 to 47-121 requires builders to give a warranty when they sell a new home. However, the law only requires builders to provide a warranty for one year after you take possession.
After that, if something breaks, it is your responsibility to fix it. With only a year warranty on new properties in Connecticut and the median home age of 55 years, it is critical for you to protect your investment with supplemental coverage.
Hopefully, you now feel as though you can choose a Connecticut home warranty with confidence. There are some great options out there for Connecticut residents; it is essential to choose a plan that fits the needs of your home and your budget. The Choice Home Warranty plan is the best overall home warranty on the market. With the Choice Home Warranty, you will access both system and appliance coverage at a very fair price. With Choice, you will get impressive customer service and excellent workmanship quality. Be sure to get quotes from several Connecticut home warranty providers to ensure that you are getting the best deal on your warranty. In the end, the most important thing you can do is get your home warranty started before you experience the next home repair or replacement.
Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies
At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like:
- We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on:
- Fine Print
- Plan Options
- Service Contract Details
- Customer Service
- Ratings and Reviews
- Add-On Options
- Additional Benefits
- We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
- We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.
From here we created a comprehensive, 100 point, rating scale based on the following factors:
- Plan options (25): Providers that offer more flexibility in their plans are rated higher.
- Coverage specifics (5): The more items covered in a home warranty plan, the higher the score.
- Pricing (25): We take the monthly fee and service fee into consideration when rating pricing.
- Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
- State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score.
- Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
- Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.
Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.
Resources for Connecticut Homeowners and Home Buyers
- Connecticut Housing Finance Authority: The Connecticut Housing Finance Authority can help with anything from a down payment to mortgage assistance for new home buyers. If you are looking into any type of loan or borrowing of funds, this is a resource to consider.
- Homeownership Assistance Connecticut: The US Department of Housing and Urban Development can help Connecticut homeowners who are considering purchasing a home. Those who are going through a difficult financial time can also benefit from the services that HUD offers.
- Connecticut Capital For Change: The Connecticut Capitol for Change can help all homeowners purchase and keep their homes for years to come. Specifically looking to help lower-income participants, the Connecticut Capitol for Change is a unique and valuable resource.
- Fairfield Housing Development Fund: In addition to providing access to affordable housing, the Fairfield Housing Development Fund offers homeownership classes to ensure that Fairfield CT, homeowners are well educated for all parts of the process.
- Connecticut Government Home Buyer Portal: The state of Connecticut offers home buyers plenty of assistance when it comes to purchasing a home. Whether you are a first-time homebuyer or a lower-income home buyer, take a look at this website to see how you may find some benefits for your Connecticut home.