Do you know what home warranty companies offer the best protection for Connecticut homeowners? When you purchase a new home, it is essential to consider how you will maintain your appliances and critical home systems.
In our analysis, you will find:
- What do Connecticut homeowners need to look for in a home warranty?
- Do home warranty providers offer policies in Connecticut?
- Which are the best home warranties companies in Connecticut, compared?
- And much more!
Below are the top picks that we think are of the most benefit to Connecticut residents. Continue reading!
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A home warranty covers repairs and the replacement of costly components on your property. However, you need to know which Connecticut home warranty company is the best.
Our review of the top Connecticut home warranty companies and plans will help save you 1000's every year. Want to know more? Continue reading!
Top 3 Best Home Warranty Companies in Connecticut
Why Do Connecticut Property Owners Need a Home Warranty?
Connecticut has some of the most scenic roads, mountains, beaches, gardens, and more, and it is just a few hours from New York, Massachusetts, and New England. As a resident, you should experience all your beautiful state has to offer, not worry about how you will repair plumbing stoppages, or come up with replacement costs for a major system outage.
Your homeowner's insurance policy does not cover appliance or home system failures. Homeowner's insurance only covers appliances and major systems in your home if the damage results from a natural disaster, burglary, and accident.
A home warranty protection plan gives you security knowing you can repair or replace items in your home you use every day like your cooktop, garage door opener, garbage disposal, water heater, HVAC system, and more. You pay a monthly fee, and when a covered item stops working, the Connecticut home warranty company takes care of it.
What Do Connecticut Homeowners Need To Look For In A Home Warranty?
Knowing what to look for in a home protection package is crucial if you want to get the most out of working with your home warranty company. In Connecticut, some coverage options are more important than they are in others. So, here are some options and coverages you should look for in your home warranty coverage.
Low Service Fees
Service fees are one of the only costs you will need to worry about when it comes to repairs covered by your protection plan policy. All home warranty companies charge a fee each time a customer makes a claim, so you want to choose a company with the lowest costs possible. Service fees typically range from $50 to $150.
HVAC Coverage - Cooling and Heating Systems
In your home, the HVAC system is one of the most expensive to repair or replace. HVAC packages cover your entire cooling and heating system from your furnace to your condenser and air handler.
Luckily, temperatures do not often soar in Connecticut, like other parts of the United States. However, temperatures are frequently below freezing and reach the low to mid-90s occasionally.
The worst thing that can happen in the middle of winter or on one of the few hot days during the year is an HVAC problem you cannot afford to fix. So, it is crucial to make sure your heater and air conditioner are covered.
Connecticut is one of the top 10 states in terms of private pools to residents. If your new home has a pool, you must have protection. Replacing a pool pump or repairing a broken pipe can cost you from $500 to $2,000. With warranty coverage, you can genuinely enjoy pool ownership.
There are a lot of older homes in Connecticut where the median construction year for residential properties is 1964. So, it is essential to look for a home warranty policy that covers your electrical system.
Electrical systems in a decades-old house often experience challenges handling the charging and the use of numerous devices and appliances. Continuous use of electrical outlets can cause overheating, electrical fires, and system failure.
Electrical coverage includes wiring, service and sub-panels, switches, breakers, outlets, junction boxes, and ground fault interrupters.
Is a Home Warranty Worth It?
Buying a house often comes with many additional expenses, such as repairs, replacements, homeowners insurance, new furniture and decor, new landscaping, and more. Some homeowners may have second thoughts about buying a home warranty on top. In order to help you decide where a home warranty worth buying now versus later, we have created a home maintenance calculator that compares your home maintenance expenses to an average home warranty price. To see the results, just enter the age of your house and the number of expected repair per year.
What Types of Home Warranty Plans Are Available In Connecticut?
There is no shortage of home service clubs in Connecticut. However, it does help to know what protection plans are available and what each option protects.
Connecticut is located way up in the northeastern region of the USA Winters in this part of the country are usually cold, with mean temperatures ranging from 38 F in the coastal lowlands to 33 F in the northern parts of the state. The record low of -32 F was registered in Coventry on January 22, 1961.
Basic coverage policies are available for as low as $275 a year. A basic protection plan covers some appliances and home systems, including:
- Garbage Disposals
- Water Heaters
- Electrical System
Each company covers different items in their basic package, but these plans rarely include air conditioners. Some companies, like Choice Home Warranty, include coverage of the heating system in their basic plan. However, that is not standard.
Most home warranty companies in Connecticut offer premium packages that cover appliances and systems not covered in basic protection plans. Some also include value-added services and discounts on annual servicing with the purchase premium protection.
Best Home Warranty In Connecticut?
Choice Home Warranty is our top player in the Connecticut home insurance market. As the second largest home warranty vendor in the U.S., Choice offers good customer service 24/7 and three extensive plans for your home coverage needs.
Home Buyer Pro Tip: If you are purchasing a new home, the residential purchase contract will likely have space for the seller to pay for a home warranty. Make sure you talk to your real estate agent about adding a home warranty allowance.
A warranty allowance is a common practice, and some buyers do not even realize they have this benefit. Or, they choose a basic plan that costs $350 a year when the seller is giving them $500 towards the warranty.
Make sure you use every penny of the money the seller is giving you toward the protection plan because the title company will return any unused funds to the seller.
Some companies give you the option of adding even more protection for items not included in basic or premium packages. Depending on the home warranty provider, you might be able to add specific home appliances individually, while other companies offer appliance bundles that cover a variety of standard home devices.
Systems packages are also available to protect your ductwork, plumbing, HVAC, and other major components in your home. These packages allow you to tailor the coverage to your needs. Many companies also offer discounts when you bundle appliance and system protection.
What Laws Or Regulations Govern Connecticut Home Warranties?
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.
What is the Best Home Warranty In Connecticut?
Choice Home Warranty is our top pick in the Connecticut home insurance market. As the second-largest home warranty provider in the U.S., Choice offers 24/7 customer service, service contracts that are easy to understand, a network of knowledgable technicians, and plans to cover nearly every major component and home appliance.
Review Of The Top 5 Home Warranties For Connecticut Residents
To help you with your home warranty purchase, we've reviewed our top 5 picks in detail below. Take a look at our pros and cons for each company and essential information about each to help you select the right warranty provider.
1. Choice Home Warranty
Choice Home Warranty (CHW) is our top pick for Connecticut homeowners. We chose CHW because they are one of the oldest and most trusted Connecticut home warranty providers.
When choosing a plan for your Connecticut home, it is critical to have coverage for your heater. Choice Home Warranty covers your heating system, as well as nearly a dozen other major appliances and home components when you purchase the most affordable Basic plan.
- The Basic Plan covers heating systems.
- Total coverage plans and add-on options are available.
- 24/7 customer care and emergency service are available.
- Service call response times are slower on weekends and holidays.
- The reservice period is only 30 days for most repairs.
- Plans renew automatically if you do not cancel within 30 days of the contract end date.
2. American Home Shield
American Home Shield is a top choice for home warranty purchasers throughout the United States. As one of the oldest providers, American Home Shield offers products you can trust at all stages of homeownership.
Packages are also available with value-added services like free AC filters delivered to your door, and discounts on maintenance from the service providers in the AHS network. Plus, you can add coverage for individual appliances, systems, pools, and more.
- AHS has been a trusted home warranty provider since 1971.
- Coverage options are available in all states except Alaska.
- AHS plans cover previous repairs, mix-matched parts, and undiagnosed pre-existing conditions.
- Depending on how you purchase your policy coverage may not begin for up to 30 days.
- Plans are more expensive than competitors.
- AHS plans only provide free reservice of parts and labor of repairs for 30 days.
3. Select Home Warranty
Another option for Connecticut homeowners is Select Home Warranty. Select is a newer provider of Connecticut home protection. Yet, they have plans that are comparable to many of the top providers.
For under $45 a month, the Platinum Protection Plan gives you coverage for your air conditioner, heating system, electrical, refrigerator, washer and dryer, plumbing, garage door opener, and more.
Plus, you can add protection for additional components, like pools, standalone freezers, septic systems, lawn sprinklers, and roof leaks, for under $10 a month.
- Cancellation is free within 30 days of your contract start date.
- Affordable plans and add-on coverage are available for budget-conscious consumers.
- Select offers emergency services and 24/7 customer support.
- There are limits for repairs and replacement of most appliances and home systems.
- Customers are subject to a $75 cancellation fee.
- You must submit claims within three days.
4. Total Home Protection
Total Home Protection is a newer company offering home warranty protection for Connecticut homeowners. The plans are a bit more expensive than competitors, starting at around $500 a year.
However, Total Home Protection does offer some discounts for veterans and customers who pay yearly.
If you want to cover your air conditioner and heating system, you need to select the Platinum Plan. The standard Gold Plan only includes the most basic home systems.
- Reservice for parts is free for 90 days.
- Cancellation is free for the first 30 days.
- Fees for repairs are $60 per service call.
- Service calls might be slow on weekends and holidays.
- Reservice for labor is only covered for 30 days.
- Plan limits for replacements and repairs are low for some covered items.
5. Amazon Home Warranty
Amazon Home Warranty has been in business since 2009. Even though they are a home warranty provider, Amazon has excellent customer satisfaction ratings and offers plans that are comparable with industry leaders.
Claims can be made 24/7 and emergency service is available in case a problem arises on a weekend or holiday. However, you only have 1 day to make claims when something breaks. That is pretty standard throughout the industry, though.
- Reservices of repair failures are free for 30 days
- Cancellation fees are only $30
- Amazon Home Warranty receives excellent customer reviews
- All repair requests must be made within 24 hours
- Amazon Home Warranty has not been in the home warranty business as long as other providers
- The plan automatically renews if you do not cancel 30 days before your contract end date
A Final Word On Purchasing a Home Warranty In Connecticut
Now that you know what to look for and which home warranty companies are the best and what you should look for in a protection plan for your Connecticut home, you should be well on your way to making a selection. Before you commit to a plan, request a free quote and sample service contract to review.
Make a note of cancellation requirements, time limits for making a claim, claim limits, renewal terms, and covered items to make sure the plan works for you.
After carefully selecting your home protection plan, you can stop worrying about costly system failures and focus on the benefits of homeownership.