Are you searching for the best home warranty in Maine?
Great, you are in the right place. In this guide, you’ll learn:
- How do you choose the best home warranty plan?
- Who benefits from home warranty plans in Maine?
- Are there specific coverages Maine residents should select?
- Does Maine regulate home warranty companies?
- And more!
Reading this guide and the top 7 list will help you pick the best possible plan and home warranty provider. So, take a look at what we found below.
- Lower chance of claim denial
- 24/7 service calls
- Great promotions available
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.
Who Needs A Home Warranty in Maine?
Home warranty customers throughout the country save money and time, and the benefits are not limited to homeowners. Landlords, homeowners, homebuyers, and real estate agents all reap the rewards of a quality home protection plan.
As a homeowner in Maine, when a major home appliance or system breaks, you are responsible for fixing it. The devices in your home, like your refrigerator, garbage disposal, water heater, HVAC system , and garage door opener, make your life easier and more comfortable, especially living in a northern state.
Top 7 Best Home Warranty Companies in Maine
So, when a home component breaks, it is very frustrating, and the financial strain it can put on your household is stressful. With a home warranty, you do not have to worry about not having the money to replace a covered item when it malfunctions.
Homebuyers never know what to expect after they close, particularly with the purchase of an older home. Even with a home inspection, a major repair could be necessary as soon as a few days or weeks after your close on your new home.
Many homebuyers forget to consider a home warranty because they have so many other expenses when closing on a new home. However, a home warranty is the best way to protect yourself from unnecessary costs associated with homeownership.
Home Sellers and Real Estate Agents
Home warranties also increase the value of homes with older systems and appliances because buyers know when a covered item breaks, they can get it repaired without investing more money in their new home. Properties need to be maintained while its in escrow.
Top 5 Best Home Warranty Companies In Maine
|Maine 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|
|Liberty Home Guard||From $39.99 to $59.99||$75 flat rate|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
So, if something breaks before your property sells, you either have to reduce the sales price so the new homeowner can hire a service contractor or you have to have the broken components fixed.
If you are selling your historic Brunswick property or your Portland home with older appliances, you can increase buyer confidence by purchasing a home warranty. When you are buying a plan before closing, the coverage carries over to the new owner with no lapse in coverage.
For real estate agents, helping people buy homes is a rewarding career unless a major home component breaks while the property is under contract. While many buyers are understanding, others will back out of the purchase. When the property is covered, you do not have to worry about home repairs causing a buyer to have cold feet.
When a significant appliance breaks, it does not matter if you are the property owner or a tenant, it is stressful. Home protection plans help to reduce the headache of dealing with home repairs.
Best Home Warranty in Maine?
Choice Home Warranty is our top pick for Maine. Why? Choice covers homes up to 5,000 ft, free contract transfers, reasonable annual premiums and they won't deny you coverage if you own an older property.
When you are renting a property, your monthly rental payment includes maintenance. However, paying your rent on time does not guarantee that when an expensive repair is necessary, your landlord will fix it.
If you rent a property with home warranty coverage, you do not have to worry about arguing with the landlord about making repairs. As a landlord, your home warranty plan helps you to manage repairs and protect yourself financially from unexpected failures.
Handling maintenance calls promptly is also essential because your tenant may be able to withhold rent until you fix the broken system or appliance. So, buying an affordable home warranty package can protect your rental income, as well.
What Should You Think About When Purchasing A Home Warranty in Maine?
So, there are a few things you should consider when choosing a plan. By considering the unique features of your state, you can select the coverage that best fits your Maine property.
During the winter, it is freezing in Maine. Average winter temperatures range from 15 to 25 degrees, and snow is frequent. On average, the state receives 123.8 inches per year.
On a list of states with the most snowfall in the United States, Maine is 18th behind neighboring New Hampshire, Vermont, and New York. However, it is also susceptible to the harsh winter storms that affect its neighboring states.
So, as a resident of Maine, you need to make sure you have coverage for your heating system. You should also cover your plumbing and electrical systems.
While your homeowners insurance covers any storm damage, harsh weather can cause strain on a home system. Over time, it can cause major components to malfunction.
The White Pine Cone state has a coastline, mountains, lakes, and rocky cliffs. In addition to the cold climate being a concern, for those living in the easternmost part of the state, the saltwater can be very corrosive to outdoor components and even home systems.
To best protect your HVAC system, plumbing system, ductwork and similar systems from the ocean air in ME, the right home warranty plan can help.
Maine is the most northeastern state in the country. It is located on the Atlantic coast and borders Canada on one side and Vermont on the other. The location makes it especially susceptible to bitter cold and infamous Nor' Easter storms.
When the temperature drops and residents are stuck indoors, not only do your most essential systems need to be in tip-top condition but your appliances as well. Snowstorms are the perfect time to heat up a warm cup of hot chocolate on your cooktop, and costly repairs can impede on the use of these basic appliances.
What Will A Home Warranty Cost A Resident Of Maine?
Your home protection investment depends on the items you cover. Plans range from $300 to $650 a month, but you also have the option to add coverage for items not included in your package.
Add on coverage prices depend on the type you purchase. For example, adding pool coverage will likely cost you around $100 per year, while adding a second refrigerator usually starts at $25 annually.
What Types Of Plans Are Available For You In Maine?
Maine home warranty providers offer coverage in different ways. Usually, companies offer the following plans:
Appliances - These plans only cover appliances. However, an appliances plan will not necessarily cover all of your home appliances. An appliance usually includes cooktops, dishwashers, garbage disposals and refrigerators as a form of basic coverage.
Systems - Systems plans from top Maine home warranty companies cover all of your central home systems, including air conditioning, heating system, ducts electrical, water heaters plumbing stoppages, and air ducts.
Combo - Combination plans include coverage for appliances and systems. These plans are also known as “premium” or “total” plans, as more components and devices are covered in your home. These plans usually cover a mix of items like air conditioning, heating systems, central vacuums, garage door openers, clothes washers and dryers, trash compactors, and refrigerators.
Add-Ons - Add-ons give you the ability to add coverage for items that are not included in your chosen plan, like pools, septic systems, air conditioners, and furnaces.
Is A Home Warranty Worth It In Maine?
Protecting your Maine property with a home warranty saves you money and gives you peace of mind. In Maine, having a working heating system is critical.
Financial experts suggest homeowners should expect to spend a dollar per square foot properly maintain their homes and that you should have at least that much saved.
Even if you follow expert advice, you may not have enough saved if your heating system stops working. Heating system replacement costs can exceed $5,000.
Even a simple plumbing stoppage can cost as much as $250, and a comprehensive plan from one of the best home warranty companies in Maine is just a few hundred dollars more annually.
Plus, many home warranty customers receive other valuable benefits from their providers like free air conditioning filters, free pest control, and discounts on maintenance.
What Are The Home Warranty Regulations In Maine?
Yes, Maine does regulate home warranties, but not to the extent that some states do. In the state, home warranty companies are not looked at as insurance providers, and thus they are not subject to the same laws. However, there are guidelines in place for companies that offer home warranties.
That means, as a consumer, you have to be even more careful about the company you select. You need to read reviews on sites like the Better Business Bureau (BBB) and verify the terms and covered items in your contract before committing to a plan.
How To Choose Coverage In Maine (Is It Unique)?
Choosing the right coverage for your Maine property is a process. However, taking a few steps to select the correct package will ensure that you get the most out of your warranty.
Step 1: Get Free Quotes
All of the top providers offer free quotes to consumers. Obtaining quotes allows you to get an idea of how much it will cost to cover each of the items you want.
Step 2: Review The Covered Items And Replacement Limits
One of the most essential steps in choosing a plan is reading the fine print to verify which appliances and systems are included. As a Maine homeowner, you must protect your heating system.
Some companies give coverage for heaters in their basic plans. However, that is not usual. So, if you are choosing a basic plan, it is imperative to choose one that includes heating systems.
Step 3: Read Consumer Reviews
Customer reviews are the perfect place to gain insight from first-hand customer experiences. You can learn how companies handle claims and if customers have issues getting claims covered.
While reviews are helpful, you should read through positive and negative reviews for each home warranty company, and also read the company's response to any complaints.
Check out this video below for five common mistakes that people make when purchasing a home warranty.
Top Home Warranties For Maine Reviewed
Now that you know what you need to look for when shopping for a plan, you are probably wondering which home warranty companies offer the best coverage in Maine. So, we put together a list of the top 5 best home warranty providers in the state.
Below you will find a brief overview, plans, and the pros and cons of working with each company.
Choice Home Warranty Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor's Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Liberty Home Guard Review
Why Do We Like Liberty Home Guard?
Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.
Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.
Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.
We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.
Policy On Pre-Existing Issues or Older Units?
If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.
- State of the art customer portal system
- Rigorous testing for contractors
- Ability to use your own contractors
- Fair pricing
- Good customer service for a newer company
- Must report your issues within one day of noticing a problem
Total Home Protect Review
Why Do We Like Total Home Protect?
Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- You Can Choose Your Own Technicians
- Roof Coverage
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
Final Thoughts On Home Warranties In Maine
In Maine, protecting your home is essential. You simply cannot live through the winter without a heater. You need to select a plan that includes your heating system and ductwork at the very least.
So, when choosing a plan for your Maine home, you either need to go with a basic plan from a company like Choice Home Warranty that includes heaters, or you need to select a premium plan from a trustworthy provider.