5 Best Home Warranty Companies in Connecticut (2024)
A home warranty protects your homeโs major systems and appliances by covering repair costs when they break down from regular use. Home warranties offer added security and keep your essential systems and appliances running longer.
We evaluated over 50 top home warranty companies and chose five providers best suited for Connecticut homeowners. Liberty Home Guard is our No. 1 pick, thanks to its extensive add-on catalog and high customer ratings. American Home Shield ranks No. 2 due to its comprehensive appliance and system protections. Read on for our complete list of the best home warranty companies in the Constitution State.
Key Takeaways
- The best home warranty companies in Connecticut are Liberty Home Guard and American Home Shield, based on our research of 13 home warranty companies.
- A Connecticut home warranty costs $740 annually on average, or $46-$109 per month, depending on your provider and coverage.
- We recommend getting at least three different quotes from the providers below to help determine which is best for you.
Did You Know?
- In the last 30 days, more than 2,500 people bought home warranties from the above providers. Liberty Home Guard is our most popular provider, with 55% of buyers choosing to cover their homes with an LHG plan.
Summary of the Top Home Warranty Companies in Connecticut
Liberty Home Guard offers excellent add-on coverage for more specialized protection. American Home Shield offers comprehensive coverage that includes a generous cap for heating, cooling, and plumbing systems.
Below we compare the key factors of the top home warranty companies in Connecticut:
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#1 out of 13 companies | #2 out of 13 companies | #3 out of 13 companies | #4 out of 13 companies | #5 out of 13 companies | |
NR | B | A+ | B | B | |
Monthly Cost |
$49โ$59 | $49โ$109 | $44โ$59 | $44โ$47 | $34โ$92 |
Service Fees |
$65โ$125 | $100โ$125 | $70 | $60โ$75 | $75โ$125 |
Customer Support Options |
Email, Phone, Online Chat, Online Portal | Phone, Online Portal | Email, Phone, Online Portal | Email, Phone, Online Portal | Phone, Online Portal |
Response Time |
Up to 48 hours | Up to 48 hours | Up to 48 hours | 48-84 hours | 24-48 hours |
Pros |
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Cons |
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Summary |
We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations. |
We recommend American Home Shield for homeowners who need comprehensive coverage for older homes. |
We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options. |
We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage. |
We recommend AFC Home Warranty for homeowners who want extensive HVAC coverage and protections for new systems. |
Promotions |
$200 Off + 2 Months Free + Roof Leak Protection | Labor Day Sale: 50% OFF Select Plans | $150 off + 30-day free trial | Use code HOUSE25 for $150 off + 2 months free | Labor Day Sale: 30% Off All Plans |
Rating Categories |
Liberty Home Guard | American Home Shield | Elite Home Warranty | Select Home Warranty | AFC Home Warranty |
Coverage |
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Value |
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Trustworthiness |
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Plan Transparency |
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Customer Support |
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Flexibility |
Company | BBB Rating | Monthly Cost in CT | Service Fee | Visit Site |
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NR | $49โ$59 | $65โ$125 | VISIT SITE | |
B | $79โ$139 | $100โ$125 | VISIT SITE | |
A+ | $44โ$58 | $70 | VISIT SITE | |
B- | $44โ$47 | $60โ$75 | VISIT SITE | |
B | $36โ$62 | $75โ$125 | VISIT SITE |
Note: The pricing information in this article uses a 2,014-square-foot, single-family home in West Hartford, Connecticut. Your monthly premium may vary based on your homeโs location, size, and type and your plan and add-on choices.
How We Rated Home Warranty Companies in Connecticut
To determine the top home warranty providers for Connecticut homeowners, our team researched common home appliance and system issues residents face. We consulted local real estate agents, repair technicians, and home inspectors to determine common home failures. We also secured sample quotes, spoke with company representatives, and reviewed home warranty contracts thoroughly.
Next, we scored each provider against our review standards in four categories: coverage, value, trust and transparency, and availability and service. We reviewed coverage options to ensure key protections for heating and roof leaks appeared in baseline coverage or as an add-on. We weighed premium costs versus overall plan value. We verified brand reputation through the Better Business Bureau (BBB) and by reading customer reviews on third-party sites. Finally, we reviewed availability and services based on customer support availability, the claims process, and the estimated processing timeline.
How Much Does a Home Warranty Cost in Connecticut?
Our research shows that Connecticutโs average home warranty cost is $62 monthly or $546-$1,308 annually. Most companies also charge service fees between $75 and $125 per claim. Your pricing can vary significantly depending on the provider, coverage plan, add-on selections, and your homeโs size and location.
What follows are the key factors that could affect your home warranty cost:
- Add-on costs: Limit your add-ons to essential coverage only. For example, most home warranty providers only offer roof-leak coverage as an add-on. If you need this coverage, you should budget for the added cost. Other specialty items, such as sump pumps, will require an add-on.
- Coverage level: Based on the hundreds of quotes weโve pulled from dozens of home warranty providers, weโve found that companies that cover more items per plan charge a higher monthly premium. We also found companies that offer higher coverage limits per covered item cost more on average. We recommend matching your selected plan to your coverage and avoid buying more coverage than you need.
- Home age: Older homes, appliances, and systems require more frequent repairs. Some companies donโt cover items with preexisting conditions or physical damage. Look for home warranty companies that cover older appliances and have high coverage caps.
Is a Home Warranty Worth It in Connecticut?
Having a home warranty for your Connecticut home offers added peace of mind when appliances unexpectedly fail. These emergencies could occur more often, given the older age of many Connecticut homes.
The right home warranty plan could help reduce those costs and keep your systems and appliances running longer. Based on our research, here are the most common repairs experienced by Connecticut homeowners:
Item | Average Cost to Repair | Average Cost to Replace |
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Gas furnace | $30โ$150 | $5,000โ$13,000 |
Roof leaks | $150โ$2,000 | $5,000โ$13,000 |
Air conditioning | $100โ$650 | $2,500โ$15,000 |
Sump pump | $350โ$1,000 | $500โ$4,000 |
Plumbing leaks | $150โ$450 | $200โ$5,000 |
Data sourced from The Home Depot.
Reviews of the Best Connecticut Home Warranties
How Should You Choose a Home Warranty in Connecticut?
To help you make an informed decision, we compiled a list of factors you should consider before buying a home warranty in Connecticut.
- 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 donโt need. Consider your situation, and choose a 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, theyโre more likely to break down.
- Read more: Home Warranty Buying Tips
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. Connecticutโs 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.
Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. Itโs best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
Note: The annual cost figure generated by our home warranty calculator isnโt an indication of a companyโs actual plan cost, as annual costs and service fees vary based on your plan selections and your homeโs size, type, and location.
Life span and repair cost data sourced from InterNACHI and Home Depot.
Other Resources for Residents in Connecticut
FAQs About Home Warranties in Connecticut
Who pays for a home warranty?
The cost of a Connecticut home warranty is split between the homeowner and the 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.
Do home warranties cover preexisting conditions?
Most home warranty companies wonโt cover systems or appliances with preexisting conditions. However, some home warranty companies, such as American Home Shield, will cover items with unknown preexisting conditions. We recommend checking each providerโs coverage terms to verify this type of coverage.
Can you negotiate home warranty prices?
No, most home warranty prices arenโt negotiable. However, some providers offer seasonal promotions throughout the year. In addition, some home warranty companies offer discounts and free months of service for selecting an annual plan. We recommend contacting potential providers and asking about available promotions.
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 youโre buying doesnโt include a warranty, or youโve owned your home for years, you can still purchase one at any point during homeownership.
Our Detailed Rating Methodology
We score each provider using a detailed rating methodology to ensure we do it objectively. We use four comparison categories and rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Hereโs a breakdown of our weighted factors:
- Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
- Additional coverage items
- Annual coverage cap
- Home systems coverage
- Major appliances coverage
- Obstructed wall coverage cap
- Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
- Average monthly cost
- Cost flexibility
- Lowest service fee
- Trustworthiness and Transparency (16%): We evaluated each companyโs reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
- Brand reputation
- Policy change flexibility
- Sample contract availability
- Workmanship guarantee length
- Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
- Claims process
- Guaranteed response time
- Service flexibility
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.