Looking for the best home warranty in Delaware?
Perfect you’re in the right spot. In this guide you’ll learn:
- Why do you need a home warranty in Delaware?
- What should you look for as a Delaware resident in a home warranty coverage plan?
- What types of plans are available in DE for your home?
- Much, much more!
We’ve reviewed 68+ companies and conducted over 100+ tests to help you find the right company for your home. Curious to know more about costs and fees, types of coverage plans and exclusions in DE? Scroll down!
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Who Needs A Home Warranty in Delaware?
You want to do everything you can to protect your home purchase investment. Especially if you do not have time or the inclination for a lot of home repair work, a home warranty just makes sense. Whether you live on the coast or further inland, in a suburban development or a century-old Dover Victorian, a home warranty can save you time and money when home appliances and systems malfunction.
This can be a great point of negotiation as you preview ideal homes for purchase. Just ask the seller to include a home warranty as a condition of sale.
If you’d rather not make it part of the negotiation, it is a great idea to add a home warranty on a home you just don’t know much about. You have the disclosure, the inspection, and your own understanding of the house, its systems, and appliances. But a home warranty will help when the unexpected happens.
Top 7 Best Home Warranty Companies in Delaware
Selling a home in Delaware? A home warranty can put your home over the top for consideration. For a buyer to have the peace of mind that comes with a home warranty--it’s just a great selling point.
Top 5 Best Home Warranty Companies In Delaware
|Delaware Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|Amazon Home Warranty||From $42 to $52||$75 flat rate|
Real Estate Agents
If you are a Delaware realtor, you know what it means to go the extra mile for your client. Every day. When you crunch the numbers on commission, it often makes sense to add a home warranty to a listing, or to help a buyer out when they are interested but on the fence about a property.
All the warranty companies reviewed here offer home warranty products to real estate professionals. Choice Home Warranty offers the service for free up to six months while a home is listed.
Best Home Warranty in Delaware?
Choice Home Warranty is our top pick for Delaware. Why? For urban and suburban Delaware homes, Choice offers a full suite of appliance and systems coverage, with add-ons for pools and other amenities.
What Should You Think About When Purchasing A Home Warranty in Delaware?
Our home warranty reviews don’t just take into account price and service quality. We also look at the unique characteristics in a given state or region that might impact your home warranty plan decision.
As a middle Atlantic state, Delaware enjoys four distinct seasons, while not being as cold as New England or New York. Temperatures can get into the high 80s and into the 90s in July and August. In January, high temperatures are around 40 degrees.
If you are living on the coast, you will also experience wind and the effects of saltwater on your systems and appliances. In the hot, humid months, you don’t want your air conditioner to break down without a solid plan to repair or replace it. That’s what a home warranty systems plan can do.
Delaware is situated along the Atlantic coast. At 2,488.72 sq. miles, It is the second smallest state right after Rhode Island.
In many ways, similar to nearby New Jersey, with a long coast, ample farmland, and gentle, rolling hills. The geography does not create too many challenges to home warranty coverage, although, in more rural areas, you may want to consider add-on coverage for septic pumping and your on-site well.
Located along a major population corridor between Washington, D.C., Baltimore, and Philadelphia, Delaware is known as a center of finance, particularly the insurance and credit card industry.
Here is one Delaware resident’s list of reasons why they love living in the 1st State and the benefits of living in DE.
But even when you love a place, there are challenges to overcome. If you are living in coastal Delaware, you might want added home warranty protection against the potentially corrosive effects of the salt air on your systems like HVAC or even your clothes washer and dryer.
What Will A Home Warranty Cost A Resident Of Delaware?
Delaware home warranty providers have plans that range from around $400 annually to the mid-$700s. You’ll want to get a quote for your location and particular situation.
Service calls will usually cost between $75 to $125. With American Home Shield, you can actually choose your own service fee.
What Are The Real Costs Of A Home Warranty? We Can Help.
What Types Of Plans Are Available For You In Delaware?
Home warranty service can cover home systems—like air conditioning, heating system, water heater, and plumbing systems, or home appliances—like cooktops, your dishwasher, even garbage disposal—or both in a combo plan.
But say you just renovated your kitchen and your new kitchen appliances are under manufacturer warranty. American Home Shield offers a “build your own” option for Delaware homeowners so you can choose the systems and appliances that need coverage, and leave out the ones already covered by the manufacturer.
Is A Home Warranty Worth It In Delaware?
At around 73%, homeownership rates in Delaware are above the national average of 65%. This means almost 3/4s of Delaware residents have a property to protect. For the money, a home warranty can be well worth it for Delaware homeowners.
How Home Warranty in Delaware Works
Here are the steps you will normally follow when utilizing your home warranty:
- Step 1: Call in for service. Many like Choice Home Warranty have 24/7 call centers and get the process started. This is where the service call fee comes into play.
- Step 2: The home warranty company will assign a service contractor to manage your request.
- Step 3: The contractor will schedule a time with you to come out and assess the situation.
- Step 4: The service provider will diagnose and repair or replace the issue if it is a covered item under the home warranty terms.
What Are The Home Warranty Regulations In Delaware?
In 2019, Delaware signed into law H 106 regarding service contracts: The law reads in part:
“The offering, sale, or issuance of a service contract, vehicle theft protection product warranty, or maintenance agreement shall not be considered insurance or subject to the insurance laws of this state unless made expressly applicable thereto.”
So, while some states regulate home warranties and other service contracts as insurance products, Delaware treats them as legal contracts, but not as insurance.
Top Home Warranties For Delaware Reviewed
#1 Choice Home Warranty
If you live in suburban Wilmington, you might not even realize that agriculture is the number one industry in Delaware. It’s exactly for those rural communities that Choice offers add on protection for items like wells and septic systems in rural areas. For urban and suburban Delaware homes, Choice offers a full suite of appliance and systems coverage, with add-ons for pools and other amenities.
The downside is that the plans are not customizable as they are with American Home Shield. Also, if you chose their basic plan, you’ll have to hope your air conditioning does not break down in the humid Delaware summertime. Because CHW basic plan does not cover it.
- Won’t deny coverage for older systems and appliances
- Free cancellation within 30 days
- Not customizable
- The basic plan is very basic
#2 American Home Shield
With so many housing options for Delaware residents—from shore homes to farmhouses, to manufactured homes—a flexible plan is great. That’s why AHS build your own plan is such a great choice if the combo plan is not the best fit for your needs. We like that you can also choose your own service call fee, anywhere from $75 to $125.
- Flexible plans, including a “build your own” option
- Choose your own service fee
- 24/7 service calls
- They are not the lowest cost choice among reviewed providers
- If you choose a higher service call fee, that can add up after 2 or 3 claims.
#3 Select Home Warranty
Next on the list is Select Home Warranty. They are another relative newcomer, with less than a decade in business. Coverage is not as extensive as other plans, but their Platinum plan does cover things like a garage door opener, without needing to add it on. We really like that there is no transfer fee when you decide to move coverage from your Wilmington townhouse to the shore place at Bethany Beach.
- No transfer fee to transfer the warranty to a new property
- Noted for the professionalism of their contractors
- $75 cancellation fee
- Coverage, especially basic, is not as extensive as other plans
#4 Total Home Protection
Established in 2016, Total Home Protection is a rising star even though it is a relative newcomer to the industry. They are among the providers that take customer service calls 24/7 so your claim can get started as soon as the problem is detected.
On the other hand, a challenge with THP is you have just one day to submit a claim. That probably will be fine in most situations, because if something breaks, you normally want to get right on it to make sure it gets back to working order.
- 24/7 service calls
- Fewest BBB complaints among reviewed providers
- Reservice for failed repairs
- 1-day window to submit a claim
- Coverage limits are lower $$ amounts than others
#5 Amazon Home Warranty
Amazon Home Warranty ranks #5 in our review of the top 7 home warranties for Delaware. Their robust network of 50,000 licensed contractors nationwide means that there are technicians local from Wilmington to Dover to Bethany Beach.
You can purchase a plan in Delaware for as low as $42 a month, which is fairly affordable compared to American Home Shield plans that start at $49.99/month. Similarly, Amazon’s service call fees run at the industry standard of $75.
Delaware customers appreciate Amazon’s trustworthiness and reliable customer service in addition to their three plans offered (Systems, Appliance and Combo) and add-on coverage. All of these factors together make Amazon Home Warranty an excellent choice for the “First State.
- Great value for optional add-ons
- Large customer base nationwide and large contractor network of 50,000 technicians
- A+ BBB rating
- Cannot pick own contractor
- 1 day maximum to submit a claim
Closing Thoughts On Home Warranties In DE
Now that you know what a home warranty looks like for a Delaware homeowner, you should be well on your way to making a selection. And, after carefully selecting your home protection plan, you can stop worrying about costly system failures and focus on the benefits of homeownership.
After much consideration, our number one pick in the Delaware market is Choice Home Warranty. They provide the best protection for all kinds of homeowners-- new buyers, real estate agents, experienced home buyers, vacation homeowners and more.
Living in northeastern US is one of the best places in the country to own a home warranty. If you're curious about how other states are covered, we've reviewed New Hampshire, Rhode Island and Vermont as well.