A Connecticut home warranty protects your home’s major systems and appliances when they break down due to normal wear and tear. It can give you peace of mind that you’ll be able to afford a repair or replacement if an issue arises.
Our team researched the best home warranty companies in the United States and found the top providers for Connecticut. We looked at coverage plans, pricing, and customer reviews before making our recommendations.
Connecticut’s Top 5 Home Warranty Companies
The highest-rated Connecticut home warranty companies are the following:
- American Home Shield: Best Coverage Caps
- Liberty Home Guard: Best Customer Ratings
- Select Home Warranty: Best Value
- America’s First Choice Home Club: Best for Customization
- Cinch Home Services: Best Additional Perks
The best home warranties in Connecticut provide comprehensive coverage, plans at affordable price points, and excellent customer service.
Summary of the Best Home Warranty Companies in Connecticut
Liberty Home Guard
Liberty Home Guard (LHG) is another reputable provider that offers responsive customer service. The company includes a live chat feature on its website for 24/7 access to a representative. Liberty also offers an extensive list of add-ons and unique discounts for select home appliances and second-property coverage plans.
Pros and Cons
✔ Includes a live-chat feature on its website for easy customer service
✔ Provides coverage for items in working condition regardless of age
✔ Offers over 30 unique add-on options
✘ Lacks transparency for service call fee
✘ May take up to 48 hours to respond to a service request
Plans and Pricing
Liberty Home Guard offers three coverage plans: the Appliance Guard, Systems Guard, and Total Home Guard. The Appliance Guard covers appliances, such as garbage disposals. The Systems Guard covers major systems, such as your air conditioning and heating systems. Finally, the Total Home Guard covers both home systems and appliances.
Your service call fee will fall between $65 and $125. LHG assigns your service fee based on the size, type, and location of your home, as well as the plan and add-ons you choose.
Here’s an overview of Liberty Home Guard’s monthly plan costs:
- Appliance Guard: $49.99 per month
- Systems Guard: $54.99 per month
- Total Home Guard: $59.99 per month
To get your personalized quote from Liberty Home Guard, please call 866-452-9107 or fill out the Liberty Home Guard quote form.
Learn More: Liberty Home Guard Review
Select Home Warranty
We recommend Select Home Warranty to Connecticut homeowners, as it’s a solid company in the home warranty industry. It offers generous HVAC coverage at an affordable rate. In addition, it pairs each plan with $400 roof-leak repair coverage. Learn more about the company below.
Pros and Cons
✔ Includes a $3,000 coverage limit on heating and cooling systems
✔ Provides discounts for customers who purchase several years of protection
✔ Offers free roof-leak coverage per plan
✘ Charges a $75 cancellation fee
✘ Limits coverage caps on major appliances and select systems
✘ Doesn’t let you choose your own service provider
Plans and Pricing
Select Home Warranty offers coverage for your home via three plans.
The Bronze Care covers standard appliances, such as cooktops and clothes washers. Gold Care covers major systems, including electrical systems. The Platinum Care combines both plans into one comprehensive coverage plan. All three plans offered are less than $50 a month for Connecticut homeowners.
Select’s pairs each plan with $75 service call fee per claim.
Here’s a look at the monthly cost of each plan:
- Bronze Care: $44.43 per month
- Gold Care: $44.43 per month
- Platinum Care: $47.75 per month
Learn more: Select Home Warranty Review
America’s First Choice Home Club
America’s First Choice Home Club (AFC Home Club) provides solid, customizable coverage via its four plan coverage options. Additionally, AFC Home Club lets you choose your own service provider when you request service, which most home warranty providers allow only under special circumstances. For added value, AFC Home Club provides security perks, such as identity protection.
Pros and Cons
✔ Provides an unlimited workmanship guarantee for the length of your plan
✔ Offers plan flexibility
✔ Includes generous HVAC coverage
✘ Limits coverage caps based on depreciated value for older covered items
✘ Includes plumbing stoppage coverage in most expensive plan only
Plans and Pricing
AFC Home Club offers four home protection plans: Silver, Systems, Gold, and Platinum plans. The Silver Plan includes coverage for major appliances. The Systems Plan covers major systems, and the Gold Plan combines the Silver and System plans. The Platinum Plan includes Gold Plan coverage plus plumbing stoppages, exhaust fans, and more.
AFC Home Club provides $75, $100, and $125 service call fees to choose from. The higher your service call fee, the lower your monthly premium.
Here’s a look at the monthly cost of each plan:
- Silver Plan: $33.33–$37.50
- Systems Plan: $39.58–$43.75
- Gold Gold: $45.83–$50.00
- Platinum Plan: $50.00–$54.17
To request your free quote, fill out AFC Home Club’s quote form or call 877-755-1115.
Learn more: AFC Home Club Review
Cinch Home Services
Cinch Home Services is our final recommendation for Connecticut residents. Cinch offers several additional perks within its home warranty coverage plans. For example, Cinch offers coverage for home repair modifications within its Premier Upgrade Package. Cinch also provides a $500 reimbursement for your homeowners insurance deductible.
Pros and Cons
✔ Extends a 180-day workmanship guarantee
✔ Includes a generous $10,000 annual coverage cap for all covered items
✔ Covers rust, corrosion, and preexisting conditions
✘ Charges higher service call fees than others on this list
✘ Has notable exclusion for roof-leak protection
Plans and Pricing
Cinch Home Services offers three coverage plans: the Appliances plan, the Built-in Systems plan, and the Complete Home plan. The Appliances plan covers major appliances, such as your washing machine. The Built-in Systems plan protects major systems, including ductwork and water heaters. Its Complete Home plan bundles major appliance and systems coverage together. Cinch allows you to choose from a $100, $125, and $150 service call fee.
Here’s a look at the monthly cost of each plan:
- Appliances: $65.99–$75.99
- Built-In Systems: $69.99–$81.99
- Complete Home: $84.99–$96.99
Fill out the Cinch Home Services quote form or call 855-435-0489 to request your free quote.
Learn more: Cinch Home Services Review
How Are Home Warranties Regulated in Connecticut?
According to Connecticut General Statutes Title 38A, the state classifies home warranties and service contracts as insurance. Per section 38A-320, home warranty companies agree to fulfill consumer repair requests for covered items they specify. Connecticut’s Department of Insurance (DOI) regulates home warranties by enforcing the statute upon these companies.
The home warranty industry also self-regulates via industry associations. For example, the Service Contract Industry Association (SCIC) is a trade association that advocates for fair regulatory practices in the service contract industry. The SCIC also works with lawmakers nationwide to develop fair regulations that protect consumers.
How Much Does a Home Warranty Cost in Connecticut?
Our research shows that Connecticut’s average home warranty cost is $58 monthly or $696 annually. Your pricing can vary significantly depending on the provider, your coverage plan, your add-on selections, and your home’s size and location.
Based on the hundreds of quotes we’ve pulled from dozens of home warranty providers, we’ve found that companies that cover more items per plan tend to charge a higher monthly premium. We also found companies that offer higher coverage limits per covered item also cost more on average. We recommend using our home warranty cost calculator to estimate the cost of owning a home warranty.
Factors To Consider Before Buying a Connecticut Home Warranty
To help you make an informed decision, we compiled a list of factors you should consider before buying a home warranty in Connecticut. They consist of the following:
- Age of your home: If you own an older home, a home warranty makes sense since your home items are likely to be aged. However, if your home is a new construction, Connecticut requires the home builder to provide a new home warranty on workmanship, materials, and system installation.
- Budget: Home warranties can be cost effective, but the price of a plan can easily increase if you purchase coverage you don’t need. Consider your situation, and choose the provider that covers only the items you need at a price you can afford
- Coverage needs: Before requesting a home warranty quote, we suggest taking note of the home systems and appliances you often use. Also, take into account the age of your home items. If your items are 10 years or older, they are more likely to break down.
When Should I Buy a Connecticut Home Warranty?
You can buy a home warranty at any time. Sometimes, the real estate agent or home seller will include a home warranty in the home sale as an incentive to homebuyers. However, if the home you’re buying doesn’t include a warranty, or you’ve owned your home for years, you can still purchase one at any point during homeownership.
How Do I File a Home Warranty Claim?
When a covered item breaks down, customers typically have two options to file a home warranty claim: call the customer service line or fill out an online form. In both cases, your home warranty company will ask you to select the item that’s been affected and submit a detailed overview of the issue. If your company approves your claim, it will send a technician to your home to address the broken item.
Expert Takes on Home Warranties
We gathered answers from industry experts on the topic of home warranties. Here is what they had to say about common questions homeowners have:
- Can I trust a Connecticut home warranty? According to Gary Parker, owner of Gary Buys Houses, there is a way to confirm a home warranty company is trustworthy. “Check if the company is licensed and belongs to professional organizations or associations that uphold ethical standards,” he says.
- How often can I use my Connecticut home warranty? Daniel Cabrera, owner of Sell Your House Fast, says, “Be sure to ask your provider how many repairs your home appliances can have before exceeding the coverage amount. This will allow you to buy new machines instead of paying for repairs out of your pocket.”
- Should I buy a Connecticut home warranty if I own an older home? Dave Bringer, owner and head technician of Bringer Appliance Repair, reinforces the peace of mind a home warranty provides to those who own older homes. “Older homes need home warranties because their appliances and systems have most likely used their manufacturer’s warranty coverage.”
Our Conclusion
We recommend American Home Shield due to its coverage of rust, corrosion, and sediment damage. Liberty Home Guard is another solid option due to its wide variety of add-on coverage options and generous 60-day workmanship guarantee. Finally, Select Home Warranty provides affordable coverage systems and appliance protection.
Before signing up, we recommend requesting quotes from at least three providers to compare coverage options and costs.
FAQ About Connecticut Home Warranties
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for each state and major U.S. city below.
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.