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.
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.
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|
|Liberty Home Guard||From $39.99 to $59.99||$75 flat rate|
|Total Home Protection||From $45.33 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.
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 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.