Best Home Warranty Companies in Delaware

Many homeowners underestimate just how expensive owning and maintaining a home can be. A home warranty policy can help you tackle some of the most common appliance and system breakdowns without spending thousands of dollars. When you sign onto your home warranty, you’ll receive coverage for a list of items in exchange for a monthly premium. If a covered item breaks down, your home warranty company will provide you with service in exchange for a small service fee.

There are dozens of home warranty companies offering policies in Delaware, but which policy is right for your family? Our guide to the best home warranties in the state will help you compare coverage options and make a decision. 

Delaware’s top 5 home warranty companies

Top home maintenance problems in Delaware

Is a home warranty in Delaware really worth the money? Let’s take a look at the most common repairs in the First State that a home warranty will help cover.

• Air conditioner strain: Delaware is humid during the summer months with average highs of around 86 degrees in July. This hot weather can put strain on your air conditioning system, which needs to work overtime to keep your home comfortable. A home warranty will cover any breakdowns that arise from this frequent use.
• Electrical system repairs: Delaware’s position along the Atlantic Ocean may cause increased strain on your electrical system because of the salt in the air. Buying a home warranty with coverage for an electrical system can provide you with more affordable repairs for this oftentimes expensive system.
• Septic system coverage: Many homes in Delaware are located in rural or suburban areas. If you live in a rural area, you might need to extend your home warranty coverage to include a septic system. Though septic systems aren’t typically included in base policies, almost every home warranty company will allow you to add this on as an optional coverage. 

1. America’s First Choice Home Club

While the other providers in this review have two or three plan options, America’s First Choice (AFC) Home Club has four, allowing every homeowner to find a level of coverage that suits their needs.

Let’s take a look at each of the plans:

• System Plan: The System Plan offers coverage for six of your home systems.
• Silver Plan: The Silver Plan offers coverage for nine of your home appliances.
• Gold Plan: The Gold Plan offers coverage for all of the items found in both the System Plan and the Silver Plan.
• Platinum Plan: The Platinum Plan includes coverage for everything found in the Gold Plan plus a few more items.

View monthly pricing information from AFC Home Club below:

When you enroll with AFC Home Club, you’ll choose a service fee of $75, $100, or $125.

Claim your free quote from AFC Home Club by completing this online form or calling 877-755-1115. 

2. American Home Shield 

With nearly 50 years of experience offering home warranty policies, American Home Shield is one of the country’s oldest home warranty providers. It’s been able to stay open all of these years because of its high-quality coverage that keeps customers coming back year after year.

American Home Shield offers three policy options to Delaware homeowners:

• Systems Plan: The Systems Plan offers coverage for 12 of your home systems.
• Appliances Plan: The Appliances Plan offers coverage for 10 home appliances.
• Combo Plan: The Combo Plan covers every system and appliance in both the Systems Plan and the Appliances Plan.

Take a look at pricing information from American Home Shield below:

Like AFC Home Club, American Home Shield allows you to choose a $75, $100, or $125 service fee when you enroll in a plan. 

Claim your free quote from American Home Shield by completing this online form or calling 888-365-2839.

3. Liberty Home Guard

Though Liberty Home Guard has only been offering policies for three years, the Brooklyn-based home warranty provider has already made a name for itself with its higher-than-average customer rating on its Better Business Bureau profile of 4.67 stars out of 5. 

Liberty Home Guard ha three plan options:

• Appliance Guard: The Appliance Guard plan offers coverage for nine of your home appliances.
• System Guard: The System Guard plan offers coverage for six of your major home systems.
• Total Home Guard: The Total Home Guard plan offers coverage for all of the systems and appliances found in both the Appliance Guard and System Guard plans. 

Here’s what you can expect to pay each month:

You’ll also pay a $60 service fee each time you use your coverage.

Claim your free quote from Liberty Home Guard by completing this online form or calling 866-451-2281.

4. Select Home Warranty

Select Home Warranty is a New Jersey-based home warranty provider with eight years of experience. The company is best known for its exceptionally affordable policies that cost less than $40 a month.

Select Home Warranty has three levels of coverage:

• Bronze Care: The Bronze Care plan covers eight of your home appliances.
• Gold Care: The Gold Care plan covers six of your largest systems.
• Platinum Care: The Platinum Care plan includes all coverages found in both the Bronze Care and Gold Care plan packages plus a few more. 

View pricing estimates for Select Home Warranty below:

You’ll also pay a $75 service fee.

Claim your free quote from Select Home Warranty by completing this online form or calling 888-370-3953.

5. Choice Home Warranty

Choice Home Warranty is another affordable home warranty option. The company also has a 90-day workmanship guarantee that ensures you don’t have to pay another service fee if the same previously repaired item breaks down again within 90 days.

Choice currently offers two plan options:

• Basic Plan: The Basic Plan covers a mixture of 14 systems and appliances.  
• Total Plan: The Total Plan includes all coverages found in the Basic Plan plus coverage for your air conditioning system, clothes washer, clothes dryer, and refrigerator. 

Here’s how much you’ll pay for Choice Home Warranty coverage:

You’ll also pay an $85 service fee each time you use your coverage.

Claim your free quote from Choice Home Warranty by completing this online form or calling 929-400-6164.

Delaware home warranty buying guide

With dozens of companies providing home warranty coverage in Delaware, how can you possibly select the right policy? Most homeowners start by comparing major factors like monthly cost, customer service, and coverage options, but here are a few additional factors you also might want to consider:

• Workmanship guarantee: A workmanship guarantee is a guarantee that you won’t need to pay multiple service fees to have the same problem repaired within a set period of time. Most home warranty policies include a workmanship guarantee between 30 and 90 days. If you have finicky systems and appliances, you might want to consider a longer guarantee.
• Rural coverage: If you live in a more rural part of Delaware, you might need coverage for a septic system or well. Most home warranty companies will offer this type of coverage as an optional add-on that you can tack onto any plan for an additional amount each month.
• Cancellation policy: If you decide down the line that you don’t want coverage or that you want coverage from a different company, you can usually cancel your plan. However, each company will have a different policy in terms of getting your money back or being charged a cancellation fee.

Our conclusion

Each company in our review has something unique to offer homeowners. For example, Select Home Warranty is for budget shoppers and Liberty Home Guard is for homeowners who value customer ratings. While you may already have an idea of which provider you want to go with, we still recommend getting quotes from all five so that you can see what coverage for your specific home will look like.

Frequently asked questions about Delaware home warranties

What is a home warranty waiting period?

A waiting period is the amount of time you have to wait before you can use your coverage. Most home warranty companies have a waiting period of 30 days to prevent homeowners from signing onto a home warranty policy to fix something that was already broken.

What is a service fee?

A service fee is a fee that you pay when you receive a repair or replacement for a covered item on your plan. Your service fee is due to the service contractor who conducts the repair and is usually between $75 and $125.

What home warranty companies have the best optional add-ons?

Every company offers at least some optional coverages, but Liberty Home Guard and Amazon Home Warranty both have 20 or more, allowing you to fully customize your policy.