A Connecticut home warranty protects major systems and appliances in your home that break down due to normal wear and tear and gives you peace of mind that you’ll be able to afford a repair or replacement if an issue arises.
Since there are numerous home warranty providers available, and it’s difficult to know which home warranty company will fit your needs, the This Old House Reviews Team did the research for you. We looked at coverage plans, pricing, and customer reviews to help you find the best home warranty company in Connecticut.
Connecticut’s Top 3 Home Warranty Companies
The highest rated home warranty companies in Connecticut include:
- American Home Shield: Best Overall
- Choice Home Warranty: Best Basic Plan
- Select Home Warranty: Best Value
The best home warranties in Connecticut provide comprehensive coverage, plans at affordable price points, and excellent customer service. Here’s more detail about our top picks.
American Home Shield
American Home Shield (AHS) is our top pick for Connecticut residents because of its veteran status within the industry and its extensive coverage options. Compare the benefits and drawbacks of American Home Shield below.
Pros & Cons
✔ Close to 50 years of industry experience
✔ Offers three options for service fees
✔ Doesn’t require a home inspection before coverage starts
✔ Has high coverage caps on appliances and systems
✘ Not many add-on coverage options
✘ Has a short repair guarantee of 30 days
✘ On the expensive end for monthly premiums
Plans & Pricing
AHS offers three plans: the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. The home warranty provider covers systems and appliances regardless of their age, even if they have damage due to rust or corrosion or have undetectable pre-existing conditions.
American Home Shield pricing will be dependent on the service fee you select with the option of a $75, $100, or $125 service fee. Your monthly premium will be determined by your chosen service fee—the higher the service fee, the lower the monthly premium, and vise versa.
Here’s a look at what each plan would cost with a $75 service fee:
- ShieldSilver: $54.99 per month
- ShieldGold: $64.99 per month
- ShieldPlatinum: $79.99 per month
Learn more: American Home Shield Review
Choice Home Warranty
Choice Home Warranty (CHW) is known for its affordable home warranty plans that are available to all Connecticut homeowners, regardless of the age of their homes.
Pros & Cons
✔ Provides after-hours service
✔ Has a large number of add-on options, including coverage for your septic system, pool, ✔ and second refrigerator
Offers a 90-day repair guarantee
✘ Has low coverage caps, which means the customer pays for the rest of the repair once a certain limit is reached
✘ Customers can’t build their own plan
✘ Customers can’t choose their own technician for repairs
Plans & Pricing
Choice Home Warranty offers two plans—the Basic Plan and the Total Plan. The Basic Plan covers most home systems and appliances like your water heater, garbage disposals, electrical system, and heating system, and its Total Plan adds your washer, dryer, air conditioner, and refrigerator to the list of covered items.
In addition to relatively affordable monthly premiums, CHW has service fees that range between $60–$85.
Here’s what the cost breakdown looks like for both Choice Home Warranty plans:
- Basic Plan: $36.17 per month
- Total Plan: $43.85 per month
Learn more: Choice Home Warranty Review
Select Home Warranty
We recommend Select Home Warranty to Connecticut homeowners, as it’s a reputable company in the home warranty industry. Learn more about the company below.
Pros & Cons
✔ Fields claims 24 hours a day, seven days a week
✔ Provides discounts for customers who purchase several years of protection
✔ Offers free roof leak coverage and optional septic system coverage
✘ Has a $75 cancellation fee
✘ Doesn’t have a mobile app
✘ Charges repeat service fees
Plans & Pricing
Select Home Warranty offers coverage similar to that of Choice Home Warranty, but at a much cheaper price—all three plans offered are under $40 a month for Connecticut homeowners.
Select’s service fee is on the lower end of the spectrum, costing $75 per claim.
Here’s a look at the monthly cost of each plan:
- Bronze Care: $35.83 per month
- Gold Care: $35.83 per month
- Platinum Care: $37.50 per month
Learn more: Select Home Warranty Review
A Connecticut home warranty can help protect the investment you spent years saving up for and prevent you from paying expensive repair or replacement costs on major systems and appliances. Before buying a home warranty, we recommend reading third-party home warranty reviews from the Better Business Bureau and getting quotes from all three providers listed in this article so that you can compare coverage and find a plan that fits your home protection needs and budget.
Frequently Asked Questions about Connecticut Home Warranties
Who pays for a home warranty?
The cost of a home warranty is split between the homeowner and warranty provider. The homeowner pays a monthly or annual premium and a service fee every time a claim for a repair is filed. The warranty provider pays for the parts and labor of the repair.
How do I file a claim on my home warranty?
Customers typically have two options when a covered item breaks down: call the customer service line or fill out an online form. In both cases, you’ll be asked to select the item that’s been affected and submit a detailed overview of the issue. If your claim is approved, the home warranty company will send a technician to your home to address the broken item.
Do home warranties cover pre-existing conditions?
Most home warranty companies won’t cover systems or appliances with pre-existing conditions. However, home warranty companies like American home Shield and First American Home Warranty will cover items with pre-existing conditions.
When should I buy a home warranty?
You can buy a home warranty at any time. Sometimes, the real estate agent or seller of a home will include a home warranty as an incentive to the home buyers to prove that any systems or appliances in the home can be fixed for a reasonable price.
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.
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