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5 Best Home Warranty Companies in Connecticut (2024)

Author Icon Written by Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 02/29/2024

A home warranty protects your home’s 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. 

Home warranties are especially helpful for older homes, which applies to close to 90% of Connecticut homes, according to the U.S. Energy Information Administration.

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.

Did You Know?

In the last 30 days, more than 2,500 people bought home warranties from the above providers.


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.

Liberty Home Guard: Best Customer Ratings
American Home Shield: Best Coverage Caps
Elite Home Warranty: Best Flexible Coverage

Below we compare the key factors of the top home warranty companies in Connecticut:

Star Rating Monthly Cost in CO Service Fee Response Time Link
Liberty Home Guard Liberty Home Guard
$49–$59 $65–$125 Up to 48 hours GET A QUOTE
American Home Shield American Home Shield
$19–$79 $100–$125 Up to 48 hours GET A QUOTE
Elite Home Warranty Elite Home Warranty
$44–$58 $70 Up to 48 hours GET A QUOTE
Select Home Warranty Select Home Warranty
$44–$47 $60–$75 48-84 hours GET A QUOTE
First American Home Warranty First American Home Warranty
$42–$82 $75–$125 4-48 hours GET A QUOTE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost in CO $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
GET A QUOTE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost in CO $19–$79
Service Fee $100–$125
Response Time Up to 48 hours
GET A QUOTE
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost in CO $44–$58
Service Fee $70
Response Time Up to 48 hours
GET A QUOTE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost in CO $44–$47
Service Fee $60–$75
Response Time 48-84 hours
GET A QUOTE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost in CO $42–$82
Service Fee $75–$125
Response Time 4-48 hours
GET A QUOTE
Company BBB Rating Monthly Cost Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B $44–$47 $60–$75 VISIT SITE
B $38–$64 $75–$125 VISIT SITE
No results were found.

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 home’s 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.

Why Trust Us? Our review and rating process for the best home warranty companies
57
Companies Considered We carefully considered 57 companies to find the best home warranty providers available.
2000
Home Owners Surveyed We surveyed 2,000 home owners to see what they care about most when in comes to home protection.
57000
Reviews Analyzed We went through 57,000 customer reviews of home warranty companies to see what people had to say about each provider.
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Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

Do I Need a Home Warranty 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.

Two Connecticut regions, the Hartford metropolitan area and Fairfield County, have some of the oldest homes in the country, with a median age of 53 years. Older homes and systems experience more repairs, leading to higher maintenance costs.

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:

ItemAverage Cost to RepairAverage Cost to Replace
Gas furnace$30–$150$5,000–$13,000
Roof leaks$150–$2,000$5,000–$13,000
Air conditioning$100–$650$2,500–$15,000
Sump pump$350–$1,000$500–$4,000
Plumbing leaks$150–$450$200–$5,000

Data sourced from The Home Depot.


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. 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 home’s 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 we’ve pulled from dozens of home warranty providers, we’ve 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 don’t cover items with preexisting conditions or physical damage. Look for home warranty companies that cover older appliances and have high coverage caps.

Reviews of the Best Connecticut Home Warranties

Liberty Home Guard

Best Customer Ratings
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Liberty Home Guard (LHG) for Connecticut homeowners who need more flexibility with their coverage. The company offers 38 add-on selections that include roof leaks, plumbing fixtures, and sump pumps. 

Monthly cost: $49–$59

How We Scored Liberty Home Guard

We awarded LHG 4.5 out of 5 stars in our review standards. Here’s how we rated it in key categories:

  • Coverage (4.7 out of 5): LHG received a higher score for its extensive add-on catalog, one of the largest in this review. 
  • Value (4.25 out of 5): We deducted points for the company’s inflexible service fee policy. 
  • Trustworthiness and Transparency (4.8 out of 5): LHG received a high score thanks to its excellent customer satisfaction, which includes an A rating* with the BBB.
  • Availability and Service (4.3 out of 5): LHG lost points for limiting service technician options. 

*BBB rating is accurate as of December 2023.

Pros and Cons

Pros Commits to prioritizing customer satisfaction Includes HVAC and plumbing coverage in two of its standard plans Offers a 60-day workmanship guarantee, twice the industry standard Cons Doesn’t offer lower premiums with a higher service call fee Electrical and plumbing limits are $500 Lacks transparency with service call fee policy

Plans and Pricing

While reading the Liberty Home Guard sample contract, we discovered that electrical and plumbing systems receive a $500 cap, well below the $2,000 industry standard. All other appliances and systems receive the standard $2,000 limit, though. In addition, LHG doesn’t include roof-leak coverage with any of its standard plans. Instead, you must pay extra for add-on coverage. Although this is a standard home warranty procedure, some companies include roof-leak protections in select plans. 

Here’s a look at LHG’s plans:

  • Appliance Guard: This plan includes coverage for nine essential appliances, including cooktops, dishwashers, and refrigerators. All appliances include a $2,000 coverage cap. 
  • Systems Guard: This system-only plan includes six major built-in systems, such as air conditioning, heating, and plumbing. While plumbing and electrical have a $500 cap, all other systems have a $2,000 limit.
  • Total Home Guard: This plan combines the Appliance Guard and Systems Guard plans, offering comprehensive system and appliance coverage. All coverage caps are the same.

LHG offers monthly and annual premium options, which is typical for many home warranty providers. Our sample quote included two free months of coverage for choosing an annual plan. When we spoke to a LHG representative, she explained that the company assigns service call fees based on your location, plan, and add-ons. Fees range from $65–$125 per service call. 

Here are more details on LHG’s monthly pricing:

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing & electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

LHG offers 38 add-on options, the largest selection in this review. Add-on coverage could add 

$3.00–$35.99 per month, depending on your selections. Roof-leak coverage will add $11.99 per month to your premium costs. LHG recommended the following popular add-on options in our sample quote for Connecticut:  

  • Plumbing fixtures
  • Pool and spa
  • Septic system pumping
  • Well pump

Our Experience With Liberty Home Guard

We tested LHG’s communication tools during secret shopping to find the quickest options. Calling customer support provided the quickest connection, as we reached a representative in under one minute. The live chat feature also connected us in under a minute but initially transferred us to an automated bot. We had to request a live agent twice through the bot before we were rerouted to someone. 

American Home Shield

Best for Comprehensive Coverage
4.4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend American Home Shield (AHS) for Connecticut homeowners with older homes or systems. Unlike most home warranties, the company’s comprehensive plans cover items with unknown preexisting conditions, rust and corrosion damage, and improper installations. This coverage overlooks some of the standard exclusions.

Monthly Cost: $79–$139

How We Scored American Home Shield

AHS received 4.4 out of 5 stars in our review standards. Here’s how we rated the company in key categories:

  • Coverage (4.7 out of 5): AHS received higher points for its comprehensive system and appliance coverage, including HVAC and plumbing. 
  • Value (4 out of 5): AHS lost points for its expensive plans, which were higher than other reviewed providers. 
  • Trustworthiness and Transparency (4.25 out of 5): We deducted points for its lower average customer review score. 
  • Availability and Service (4.7 out of 5): AHS received higher points for its efficient claims process.

Pros and Cons

Pros Includes roof-leak coverage with its highest plan Offers coverage for items with physical damage and preexisting conditions Provides cooling, heating, and plumbing coverage on every plan level Cons Charges higher than other reviewed providers Limits coverage plans to monthly premiums only Offers six add-on options, one of the smallest catalogs in this review

Plans and Cost

We read through the American Home Shield sample contract to fully understand the company’s coverage and limits. We learned that roof-leak coverage comes with the highest plan, ShieldPlatium. You must add additional coverage to the other two plans. The company offers a generous $5,000 coverage cap for home systems, including colling, heating, and plumbing. All repairs come with a 30-day workmanship guarantee, which is the industry standard. 

Here’s a rundown of AHS’s plans:

ShieldSilver: The lowest plan includes system-only coverage and includes cooling, heating, and plumbing. You receive a $5,000 coverage cap for your systems. 

  • ShieldGold: This includes the ShieldSilver plan coverage but adds major kitchen and laundry room appliances. You receive a $5,000 system cap but an added $2,000 for appliances.
  • ShieldPlatinum: The most comprehensive plan includes ShieldGold coverage and additional perks, such as HVAC tune-ups and rook-leak protection. Appliance coverage increases to $4,000 per item. 

Unlike other providers that provide annual and monthly options, AHS only offers monthly premiums for its plans. You can choose between a $100 or $125 service call fee. This is on the higher end of the industry standard, but it’s balanced out by higher coverage caps and more liberal coverage. Our monthly premium increased when we chose a lower fee for our sample quote. 

Here’s a look at AHS’s monthly pricing options:

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$79.99–$89.99

$100–$125

$5000

ShieldGold

$99.99–$109.99

$100–$125

Systems: $5,000
Appliances: $2,000

ShieldPlatinum

$129.99–$139.99

$100–$125

Systems: $5,000
Appliances: $4,000

AHS offers six add-on options with its coverage plans. Based on our research, most providers offer eight or more options. To add roof-leak coverage to the ShieldSilver and ShieldGold plans, you must pay an extra $10 a month. AHS add-on pricing ranges between $5 and $32, which is about average.

AHS offers the following add-on coverage:

  • Electronics protection plan
  • Guest unit 
  • Pool and spa
  • Septic pump
  • Well pump

Our Experience With American Home Shield

A member of our team recently put AHS’s claims processing to the test when he needed to repair a leaky bathroom pipe. Within five minutes of submitting his claim online, he received text and email confirmations. Five minutes later, a service technician called and scheduled a next-day appointment. The technician took two hours to complete the repairs. Our team member only paid the service call fee for the visit. 

Elite Home Warranty

Flexible Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Elite Home Warranty for Connecticut homeowners who want more flexibility with their coverage and premiums. The company offers three fully customizable coverage plans and 27 add-on options.

Monthly cost: $44–$58

How We Scored Elite Home Warranty

Elite Home Warranty scored 4.6 out of 5 stars in our review standards. Here’s how it did in key categories:

  • Coverage (4.6 out of 5): The company scored high for its three customizable coverage plans and extensive add-on catalog. 
  • Value (4.25 out of 5): We deducted points because it only offers one service call fee and charges a higher fee for high-end appliances.  
  • Trustworthiness and Transparency (4.8 out of 5): It scored well for its excellent customer review scores on the BBB and other third-party sites. 
  • Availability and Service (4.5 out of 5): It lost points for its limited online services. Unlike other providers, it doesn’t offer an online quote tool.

Pros and Cons

Pros Offers three comprehensive standard plans with high coverage caps Provides 27 add-on options Includes a 90-day workmanship guarantee for completed repairs Cons Charges higher service call fees for high-end appliances Excludes out-of-network contractors from workmanship guarantee Requires you to call for a quote

Plans and Cost

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems. However, claim limits vary among covered items. For example, air conditioners receive up to $4,000, while electrical systems are capped at $2,000. We recommend reading through the sample contract or getting a quote for full details on coverage caps. 

Below are the details of Elite Home Warranty’s coverage plans:

  • Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit. 
  • Elite Systems: This system-only plan covers eight home systems, including air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.  
  • Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection. 

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend. 

We’ve outlined the provider’s pricing and service fees below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Elite Appliances

$44.49

$70

Varies per Item

Elite Systems

$49.99

$70

Varies per Item

Elite Complete

$58.99

$70

Varies per Item


Elite Home Warranty offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term. 

We’ve highlighted some of the company’s most attractive add-on options below. View the full list on Elite’s website:

  • Annual maintenance
  • Drainage, sewer, and water service lines
  • Pool and spa equipment
  • Geothermal heating and cooling systems
  • Septic system

Our Experience with Elite Home Warranty

One of our team members tested the Elite Home Warranty claims process to repair his broken high-end dishwasher. Here’s a summary of his experience:

  • He submitted his claim online and received a claims specialist call within 30 minutes. 
  • He received a next-day appointment for his repair. 
  • The technician arrived on the assigned day but realized the repair would require out-of-stock parts. 
  • After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
  • The technician completed the repairs within an hour.

Elite Home Warranty sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. You won’t receive any workmanship coverage if you choose your own technician.

Select Home Warranty

Best Value
4.3 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Select Home Warranty for budget-conscious Connecticut homeowners. Select Home Warranty offers baseline coverage plans for under $50 and includes free roof-leak coverage with every plan. 

Monthly cost: $44–$47

How We Scored Select Home Warranty

Select Home Warranty received 4.3 out of 5 stars in our review standards. Here’s how we rated it in key categories:

  • Coverage (3.7 out of 5): We deducted points for its low coverage caps, which fall below industry standards.
  • Value (5.5 out of 5): It earned a perfect score for its affordable premiums. 
  • Trustworthiness and Transparency (4.5 out of 5): The provider lost points for its lower customer review scores. 
  • Availability and Service (4.3 out of 5): We deducted points for its claims processing, which could take 48 hours or longer

Pros and Cons

Pros Includes free roof leak coverage with its plans Keeps premiums pricing under $50 Provides a high $3,000 limit for HVAC systems Cons Assigns service call fees, limiting flexibility Excludes coverage for unknown preexisting conditions Limits most appliances and systems to $500

Plans and Cost

During secret shopping, we read through the Select Home Warranty sample contract. Our team learned that although HVAC systems receive a $3,000 cap, other systems and appliances max out at $500. In addition, all plans include free roof-leak coverage. Select Home Warranty is one of the few companies to include this protection in its standard coverage. 

Here’s an overview of Select Home Warranty’s plans:

  • Bronze Care: The lowest plan covers eight major appliances, including clothes washers, refrigerators, and ovens. You receive a $500 cap for all appliances.
  • Gold Care: This system-only plan covers six major home systems, including air conditioning, heating, and plumbing. Although most items receive the same $500 limit, heating and cooling systems receive $3,000 in coverage. 
  • Platinum Care: The highest plan combines Bronze and Gold Care protection and adds other items such as ceiling fans and plumbing stoppages. All coverage limits remain the same. 

Select Home Warranty offers monthly and annual premium options. When we pulled sample quotes, we received a $150 discount and two additional months of coverage with the annual plan options. Our team also discovered that Select Home Warranty assigns its service call fees, which vary between $60 and $75, which is lower than average. 

Below are more details on Select Home Warranty’s costs:

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$44.42

$60–$75

$500

Gold Care

$44.42

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$47.75

$60–$75

Coverage caps remain the same

Select Home Warranty offers nine add-on options, which is typical for a home warranty company. However, its pricing is lower than most competitors, with no add-ons exceeding $9 per month. Although roof-leak coverage comes with every plan, you must add the add-on option to receive protection. 

We’ve included some of Select Home Warranty other add-on options below:

  • Central vacuum
  • Lawn sprinkler system
  • Pools
  • Septic system
  • Standalone freezer

Our Experience With Select Home Warranty

When our team called Select Home Warranty for a quote, we were given a phone-exclusive offer for its lowest available service fee, indicating its preference for direct phone interactions. Our customer service representative recommended processing all claims and account issues over the phone rather than online.

Additionally, we learned that Select Home Warranty utilizes its pre-vetted network of technicians to handle repairs. While you can request your technician if none are available in your area, Select Home Warranty must still approve that technician before providing service.

AFC Home Warranty

Best for Customization
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend America’s First Choice Home Warranty (AFC Home Warranty) for Connecticut homeowners to have more control over their plan customization. The company offers four coverage plans, three service fees, and 13 add-on options. 

Monthly cost: $36–$62

How We Scored AFC Home Warranty

AFC Home Warranty earned 4.6 out of 5 stars, and here’s how it scored in key categories:

  • Coverage (4.3 out of 5): AFC Home Warranty lost points for its depreciated value policy. 
  • Value (4.5 out of 5): The company scored well for its plan variety and customization options. 
  • Trustworthiness and Transparency (4.8 out of 5): It scored high points for its plan-length workmanship guarantee. 
  • Availability and Service (5 out of 5): AFC Home Warranty achieved a perfect score for its flexible service technician policy. 

Pros and Cons

Pros Includes free roof-leak protection with every plan Offers unlimited caps for HVAC and plumbing systems Provides an unlimited workmanship guarantee Cons Doesn’t cover items with unknown preexisting conditions Reduces coverage caps for items five years or older Requires claim submission within 24 hours of noticing an item issue

Plans and Pricing

After reading the AFC Home Warranty sample contract, we found out that systems, including HVAC and plumbing, receive an unlimited coverage cap. Appliances receive $3,000 limits but could be subject to a lowered cap based on their age. AFC Home Warranty includes a depreciated value policy that lowers coverage caps for items that are five years or older. All repairs and replacements include a plan-length workmanship guarantee.

Here’s a quick overview of each AFC Home Warranty coverage plan:

  • Silver Plan: This appliance-only plan includes nine home appliances, such as cooktops and garbage disposals. You receive a $3,000 cap for each appliance.
  • Systems Plan: This plan protects five major home systems, including air conditioning, heating, and plumbing systems. You receive an unlimited coverage cap for each system.
  • Gold Plan: The next plan tier includes the Systems and Silver coverage, but adds plumbing stoppages and garage door openers. All coverage caps are the same. 
  • Platinum Plan: The highest comprehensive plan includes Gold Plan items and adds coverage for faucets, built-in microwaves, ice makers, and fan work. All coverage caps are the same.

AFC Home Warranty includes annual and monthly premiums. It’s one of the few companies to offer premiums for up to three years. Annual plans include a $100 annual discount for a one-year plan and $250 off for a three-year option. The company offers flexible service fees for $75, $100, and $125.

Here’s an overview of AFC Home Warranty’s pricing:

Plan

Monthly Cost

Service Fee

Coverage Cap

Silver Plan

$36.83–$41.83

$75-$125

$3,000

Systems Plan

$44.33–$49.42

$75-$125

Caps vary by system

Gold Plan

$51.92–$57.00

$75-$125

Systems: varies

Appliances: $3,000

Platinum Plan

$57.00–$62.00

$75-$125

Systems: varies

Appliances: $3,000

AFC Home Warranty has 13 different add-on options, with pricing starting at $25 per year, with the highest add-on increasing your monthly costs by $150. You can add roof leak protection to any plan at no additional cost.

Some additional add-on options include the following items:

  • Double ovens
  • Hot water dispensers
  • In-ground pools and spas
  • Septic systems
  • Sump pumps

Our Experience With AFC Home Warranty

During secret shopping, we learned that AFC Home Warranty lets you choose your own service technician. Most home warranty providers limit customers to their network of pre-vetted technicians. In addition, our sample quote also included exclusive perks, such as free credit monitoring, insurance discounts, and cyber ID protection. 


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 don’t 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, they’re more likely to break down.

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.


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. It’s 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 isn’t an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.

Life span and repair cost data sourced from InterNACHI and Home Depot.


Other Resources for Residents in Connecticut


FAQ 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 won’t 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 provider’s coverage terms to verify this type of coverage. 

Can you negotiate home warranty prices?

No, most home warranty prices aren’t 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 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 Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for top cities in Connecticut below:


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. 

Here’s 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 company’s 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.