Are you looking for the best home warranty in New Hampshire? Great! You came to the right place. In this guide, you will learn answers to the vital questions below:
- Will you benefit from a New Hampshire home warranty plan?
- What do you need to consider when shopping for a protection package?
- Are there home warranty regulations in New Hampshire?
- What plans are available for you in NH?
- How do you choose the right coverage for your New Hampshire home?
- And more!
We’ve analyzed nearly 70 home warranty companies that offer services across the US to find the best possible coverage options for New Hampshire homeowners.
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We’ve analyzed 68+ home warranty companies that offer services across the US to find the best possible coverage options for New Hampshire homeowners.
Our guide contains vital information to help you choose the perfect protection, and at the end, you will find our list of the best home warranties in New Hampshire. So, continue reading to learn more.
Who Needs A Home Warranty in New Hampshire?
If you are a property owner in New Hampshire, you will benefit from home warranty coverage. Depending on your real estate role, your benefits and needs will differ, though.
Homeowners in New Hampshire have the most apparent benefits of home warranty protection. A comprehensive plan gives protection for valuable components in your home like your water heater, cooktop, refrigerator, HVAC system, garbage disposal, and others that you need.
It helps you to budget for all of the repairs you have to make as a homeowner. Plus, it gives you access to a knowledgeable network of service professionals.
The best companies in NH offer an extensive network of contractors, so no matter if you live in Concord, along the water in Salem or in the mountain town of Jefferson, there is a local contractor ready to help you.
Buying a new home is an incredible experience. However, along with the bliss of being a homeowner, you have a lot of responsibility. You are now responsible for paying for taxes, homeowners insurance, mortgage payments, yard maintenance, and home repairs.
Plus, you likely have the expense of movers, new furniture, decor, home essentials, groceries, and other items for your new home. So, the last thing you need is a large repair bill before you have time to rebuild your savings.
Top 7 Best Home Warranty Companies in New Hampshire
Can you imagine moving into your new house and not having the money to fix a broken water heater during the middle of a NH winter? That severely dampens the mood of owning a home and takes the excitement out of moving. A home warranty gives you peace of mind that when something breaks, you can do those significant repairs.
Home sellers/Real Estate Agents
When a home is listed for sale, both the home sellers and real estate agents are safer with a home service package. Homesellers do not have to worry about making repairs to their home when their home is on the market.
If something breaks while a house is under contract, it is still the owner's responsibility to fix it. When something breaks while your home is in escrow, you either have to repair it or reduce the price of the house so the new owner can complete the repairs.
Best Home Warranty in New Hampshire?
Choice Home Warranty is our top pick for New Hampshire. Whether you are looking for an entry-level plan that includes your heater or complete protection with great limits, Choice Home Warranty has you covered.
Furthermore, when a major system breaks before closing, it often causes buyers to have cold feet. So, both sellers and realtors have less to worry about with a home warranty in place.
Plus, the remainder of the home warranty contract is transferrable for free or a nominal fee with most companies. That is a bonus for potential buyers to choose your property.
Having a home warranty also helps to put the buyer at ease if the home inspection shows any issues with significant home devices like the air conditioner, plumbing system, or appliances. All of this leads to faster home sales and homes that sell for more money, which puts more money in the seller and realtor's pockets.
The benefits do not stop there. Renters and landlords also enjoy peace of mind from a home service plan.
As a renter, there is nothing more frustrating than paying your rent on time in good faith that when something breaks, your landlord will fix it only to find out, they won't. It is a confusing situation because you are not the property owner.
Top 5 Best Home Warranty Companies In New Hampshire
|New Hampshire 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|
Furthermore, sometimes even when your landlord does make repairs, they are done improperly because they quickly find a technician. If your HVAC system is not maintained correctly, you are going to have outrageous electric bills.
Renting a property with a home warranty plan is one of the best ways to ensure that the landlord will promptly make repairs. You may have to pay the service fee, which is usually between $50 and $150, but that is worth it in the big picture.
If you are a landlord, owning a home warranty plan gives you the ability to budget for major systems replacements and repairs. Finding a qualified contractor within a time frame that is acceptable by law is not always easy.
The top home warranty companies in New Hampshire all have a network of service providers. The technicians used by home service companies have undergone a vetting process, and most warranty providers guarantee contractor work for up to 90 days.
What Should You Think About When Purchasing A Home Warranty in New Hampshire?
Any time you make a real estate purchase, you have to consider certain environmental factors that affect homeowners in the area. Purchasing a home warranty is no different.
The weather in New Hampshire varies throughout the year. Summers are very short, though. And, high temperatures never really get above the mid-80s.
The winters are what you have to consider in your area. You need a working water heater and heating system. Winter lows are usually in the mid-20s, but they can get as low as 6 degrees.
The winter temperatures make it essential for families with small children, older homeowners, and anyone with health concerns to have coverage for their HVAC system.
New Hampshire is located on the Atlantic Coast of the United States. There are mountains, beaches, quaint towns, gardens, museums, and more packed into the relatively reasonably small area, which along with Connecticut, Maine , Massachusetts, Rhode Island, and Vermont make up New England, the northeastern most corner of the country.
Due to New Hampshire's location, it is susceptible to harsh winters and nor' easter storms. While your homeowners insurance policy usually covers storm-related damage or natural disasters, frequent winter storms can take a toll on your electrical system and other essential home components.
Are you considering a move to New Hampshire? Check out this aerial video of the state. It gives you an excellent view of the complex terrain and weather.
What Will A Home Warranty Cost A Resident Of New Hampshire?
Home protection plans range in price depending on the company and plan you choose. However, you can expect to pay between $350 and $700 per year for the annual home warranty premium. Plus, you have to pay an out of pocket service fee each time you submit a claim.
The service call fees range from $50 to $150, and some providers allow you to choose your own. You may also be able to negotiate the service fee with a representative when you renew your plan.
What Types Of Home Service Plans Are Available For You In New Hampshire?
The best home warranty companies offer a variety of plans and options so you can tailor coverage to fit your home, budget, and lifestyle. However, most home warranty providers offer plans that cover appliances, systems, or both (combo).
Some companies only have combo plans that are available in tiers, while others have programs specific to your home appliances or home systems. Combo plans offer the most comprehensive coverage.
Is A Home Warranty Worth It In New Hampshire?
Considering that just one primary home system replacement can cost thousands of dollars, and experts suggest that homeowners should have at least one percent of the value of their home saved for emergency repairs, a home warranty is worth it.
Some people may argue that there could be years when you do not make a claim. However, if you have your plan for five years and pay $500 per year, that is $2,500. If you have to replace your refrigerator, washer or dryer, heating system, or plumbing system in that period, those repairs could easily add up to far more than you spent on your warranty.
Not to mention, your home service plan will give you peace of mind. When a covered item malfunctions, you can quickly get it handled.
What Are The Home Warranty Regulations In New Hampshire?
There are regulations in New Hampshire that home warranty providers must follow to do business in the state. If you want to offer home service contracts in New Hampshire, you must first submit an application to the Department of Insurance.
The application must include a surety bond, proof of financial responsibility (business liability insurance), $300 application fee, and a list of all company administrators. Even after submitting the application, the DOJ can deny or approve any business.
How To Choose Coverage In New Hampshire (Is It Unique)?
In New Hampshire, choosing the right coverage might differ from other states. So, here are a few steps to make it a bit easier.
Step 1: Verify The Company Is Licensed To Do Business In New Hampshire
Before you pay for a home warranty plan, you need to make sure the company is licensed to do business in your state. Luckily, the New Hampshire DOJ system is available so consumers can verify this information.
If you select one of the home warranty companies on our list, you can skip this step. We have already verified that our top picks have New Hampshire Consumer Guarantee licenses in good standing.
Step 2: Obtain Free Quotes and Compare
Once you know the companies you are interested in can issue your home service plan legally, you need to obtain a few free quotes. Get a quote from several companies so you can compare the rates and coverage options with each.
When you are requesting quotes, make sure you include your home's heating system and water heater, as well as any other components you need. You should also compare the replacement costs limits, service fees, and whether the company guarantees work completed by in-network service contractors.
Step 3: Read Home Warranty Reviews
After you find a few plans you like, you need to look at consumer reviews on sites like the Better Business Bureau (BBB). Customer experiences are the best way to find out what it will be like to work with a specific provider in your area.
Top Home Warranties For New Hampshire (State) Reviewed
Now that you know what to look for in a plan, what homeowners in New Hampshire need to consider, and how to choose coverage, you probably want to know which companies offer the best coverage in your state.
Below is our list of the top 5 home warranties for New Hampshire. After comparing all of the options available to homeowners in New Hampshire, these are the companies we feel are the best value to you. Take a look at what we found.
#1 Choice Home Warranty
For New Hampshire homeowners, Choice Home Warranty is our top pick. It offers comprehensive plans with added value for customers in cold climates.
Both of the available packages include heating systems, water heaters, plumbing stoppages, dishwashers, garbage disposals, garage door openers, and numerous other items. The Basic Plan starts at just $36.17. If you want to add protection for your refrigerator, clothes washer and dryer, air conditioning system, built-in microwave, and other components, the Total Plan is just $43.85.
So, whether you are looking for an entry-level plan that includes your heater or complete protection, Choice Home Warranty has you covered.
- Both plans cover heating systems.
- The service fees are set at $75 per claim.
- Reservice for contractor labor is free for 90 days.
- Service call times vary depending on your area.
- Older appliances or ones that were previously repaired may not be covered.
- Replacement limits are low on some items.
#2 American Home Shield
American Home Shield (AHS) is one of the leading home warranty brands. It has been in business since 1971 and is trusted by homeowners, realtors, and landlords.
AHS offers some of the most customizable plans on the market with the ability to choose your own service fees and build your own plan. The plans start at $49.99 for systems or appliance coverage, and combo plans are just $59.99 a month.
- The plans are customizable.
- You can choose your service fees.
- AHS covers older appliances and components with previous repairs.
- Plans are more expensive.
- Contractor labor is only guaranteed for 30 days.
- Contracts renew 30 days before your contract ends.
#3 Select Home Warranty
Select Home Warranty is our third choice for New Hampshire property protection. Select is one of the newer companies in the industry.
However, the plans are budget-friendly with quality coverage. When you sign up, you can choose between three plans.
The Bronze and Gold Plans cover appliances and home systems respectively and each costs $35.83 monthly. The combo plan is the Platinum Plan and it starts at $37.50. The service fees are also affordable at $75 per claim.
- Select offers affordable plans that are comparable to other providers.
- The service fees are set at $75 per service call.
- All of the plans include limited roof leak protection.
- The Select network of home warranty work contractors is not as large as other providers.
- You may have to wait longer for a service appointment.
- You only have three days to submit claims.
#4 Total Home Protection
Total Home Protection is another new company in the home warranty market. It offers great coverage options and receives positive consumer reviews, though.
Coverage options include the Gold and Platinum Plans, which are both combos. The Gold Plan that covers more than 15 home systems and appliances is $45.33 and the Platinum Plan, which adds protection for additional components, costs $52 per month.
Total also offers excellent septic system coverage and other add-ons which vary in price. Plus, the service charges are just $75 per visit, and Total guarantees service contractor work for 90 days.
- The Gold Plan covers more than a dozen home systems and appliances.
- Total Home Protection septic system coverage is superb.
- Service fees are set at $75 per claim.
- The plans are more expensive than some competitors.
- Total has only been in the home warranty business for 4 years.
- Service calls may take longer.
#5 Amazon Home Warranty
Amazon Home Warranty rounds out our list. This company offers three coverage options, including an appliances plan, a systems plan, and a combo plan. If you have additional home systems and appliances, you can add to your plan you can do that, as well for items like limited roof leak, central vacuum, sump pump, second refrigerator and additional heating system.
The plans start at just $42 per month. Service fees are set at $75 per request.
The company's rating is above average in comparison with its competitors. Furthermore. Amazon Home Warranty BBB rating is A+, which also indicates the high quality of the services provided for New Hampshire homeowners.
- Additional heating system and central AC system covered as an add-on
- Service fees are set at $75 per claim.
- Amazon Home Warranty has an excellent rating with the BBB of A+ .
- You may experience service call delays.
- Automatic renewal of plans are stopped for a cancellation fee of $30
- No online chat support on the website
Final Thoughts On Home Warranties In New Hampshire State
As a resident of the Granite State, you have some specific home warranty needs to consider. Plus, you need to purchase a home protection plan from a licensed provider in New Hampshire.
The companies listed above offer the absolute best protection in your area. So, go ahead and get a few free quotes, compare coverage, and select the plan that works best for you from one of these top home warranty companies in New Hampshire.
Be sure to check out our reviews of home warranties plans in a nearby state, like Maine, Vermont and Rhode Island.