Best Home Warranty Companies in New Hampshire (2022)

New Hampshire is the fifth smallest state in the nation. However, even with being smaller in size, people love the idea of living in New Hampshire, and there are more than 600,000 housing units in the state. These homeowners benefit from beautiful weather conditions, endless outdoor activities, and no income tax on wages and benefits. Owning a home in New Hampshire has tons of great benefits, but there are, of course, some negatives too.

New Hampshire has a wide range of temperatures and weather conditions that can make it difficult to maintain home systems and appliances. The home warranty is one of the only ways to have complete peace of mind as a homeowner. In our guide featuring the best home warranty companies in New Hampshire, we will give you information on why it’s important to have a NH home warranty, the best home warranty companies in New Hampshire, and how to narrow down which one is for you.

New Hampshire Top 5 Home Warranty Companies

1. Choice Home Warranty: Best Overall 
2. Select Home Warranty: Most Cost-Effective Plans 
3. American Home Shield: Best Customizable Plans 
4. The Home Service Club: Quickest Service
5. Liberty Home Guard: Most Trustworthy

Quick Comparison of Home Warranty Providers

1. Choice Home Warranty

• Our Take: Best Overall
• Average Annual Cost: [$550] – [$650]
• Response Time: Up to 48 hours

Choice Home Warranty is the best overall home warranty in the state of New Hampshire. Choice Home Warranty has been on the market for the past 13 years. With this time spent in the industry, impressive customer service, and simple policy options Choice Home Warranty stands out as one of the best around. We were impressed with the comprehensive plan choices and the fair pricing that you get with each of these plans. Most New Hampshire homeowners that choose Choice Home Warranty are pleased with the overall value that they get with this plan. 

Pros and Cons

✓ Impressive customer service

✓ Comprehensive plan options that cover both systems and appliances

✓ 90-Day Repair Guarantee

X No Customization of plan

X 30-Day waiting period to start

Plans and Pricing

There are only two Choice Home Warranty plans to choose from. Although this may seem like a disadvantage, the unique fact is that both plans are combo or comprehensive plans. This means that each of the plans has both system and appliance coverage. Having peace of mind about both systems and appliances for one low monthly price is a tremendous benefit. There are also quite a few add-on coverages that the Choice Home Warranty offers its customers. The Choice Home Warranty has an $85 service fee.

Here’s a detailed look at Choice Home Warranty’s coverage: 

• Basic Plan ($42 per month): The Basic Plan from Choice Home Warranty covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. This is a service contract that many first-time home buyers will start out with.
• Total Plan ($53.33 per month): The Total Plan is the more comprehensive plan and covers all 13 items in the Basic Plan, plus an additional four items. The Total Plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. When you look at the value of the Total Plan, you can see that it is quite good with the extra coverage included for just a few dollars more.

Coverage

Choice Home Warranty has several add-on coverages that you can add to either of its plans.

• Roof leak coverage (single-family homes only)
• Central Vacuum
• Septic Tank
• Well Pump
• Pool
• Spa (Can be combined with pool coverage if the equipment is shared)
• Sump Pump (must be permanently installed)
• Stand Alone Freezer

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

Read the full Choice Home Warranty Review.

2. Select Home Warranty

• Our Take: Most Cost-Effective
• Average Annual Cost: [$579] – [$650]
• Response Time: Up to 48 hours

Select Home Warranty is the most cost-effective home warranty plan for New Hampshire residents. Choosing a home warranty plan that is reasonably priced will help you find even more value in having the home warranty in place. Select Home Warranty has been in the industry for about nine years. With each Select Home Warranty policy, you will get free roof leak coverage for your home. Select Home Warranty takes its contractor professionalism very seriously. You will feel confident that the technician that comes to your home is capable of repairing the issue that you have.

Pros and Cons

✓ High workmanship quality

✓ Free roof coverage

✓ Good selection of appliance plan, systems plan, and combo plan

X Must file a claim within three days

X Coverage caps can be lower

Plans and Pricing

Select Home Warranty has three home warranty plans to choose from. The systems plan, appliances plan, and then a combo plan. The combo plan is the most popular as it is just a few dollars more per month, but it offers double the coverage. In addition to the free roof leak coverage from Select Home Warranty, there are several optional paid plan coverages that you can add to your home warranty plan. The service fee from Select Home Warranty is $65, and coverage caps for major systems and appliances are fair around the $1500 mark and sometimes above.

Here’s a detailed look at Select Home Warranty’s coverage: 

• Bronze Care ($52 per month): The Bronze Care plan is an appliance-only home warranty plan. This plan covers seven major appliances, including a refrigerator, built-in microwave, clothes washer and dryer, oven, garbage disposal, and cooktop. 
• Gold Care ($52 per month): The Gold Care plan is a system-only plan from Select Home Warranty. There is coverage for six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. The pricing of the Gold Care plan is the same as the Bronze Care, but typically speaking, the cost to repair systems is higher than that to repair appliances.
• Platinum Care ($58 per month): The Platinum Care plan will include all of the appliances under the Bronze Care plan and all of the systems under the Gold Care Plan. Having coverage for both home appliances and things like your HVAC system is a tremendous benefit, and Platinum Care is the most popular policy from SHW.

Coverage

Select Home Warranty has several add-on coverages that you can attach to either of its plans; roof leak coverage is included without paying extra.

• Central vacuums (Does not include clogged pipes)
• Lawn sprinkler systems
• Pools (Can combine with spa coverage if the equipment is shared)
• Spas
• Stand-alone freezers
• Sump pump (must be within the foundation of the home)
• Well pump

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

3. American Home Shield

• Our Take: Best Customizable Plans
• Average Annual Cost: [$479] – [$779]
• Response Time: Up to 48 hours

American Home Shield is the most customizable plan in the state of New Hampshire. Depending on where you are located in New Hampshire, your home may have unique features. Therefore it makes sense to choose a plan that is more customized to your home. The American Home Shield plan allows you to adjust coverage and pricing to fit the needs of your home. With more than 50 years in the home warranty industry, American Home Shield offers its customers a premium plan with impressive benefits and features. 

Pros and Cons

✓ 50 years of industry experience

✓ Low chance of claim denial

✓ 24/7 online support for your home warranty plan

X Cancellation fees if canceled after the first 30 days

X Pricing for some plans is considerably higher

Plans and Pricing

The American Home Shield company offers three basic plan options to choose from. The two combo plans are the most popular because of the combination of appliance and system coverage. The American Home Shield plans tend to be priced a bit higher than other options on the market, but they offer high coverage limits and broad options for your New Hampshire home. For great add-on coverages like electronics, pools, and spas, American Home Shield has you covered as well. AHS has a customizable service fee or deductible ranging from $75 to $125. The higher the service fee you choose, the lower you can get your monthly payments.

Here’s a detailed look at American Home Shield’s coverage:

• ShieldSilver™ ($39.99 per month): The ShieldSilver plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, central vacuums, doorbells, garage door opener, heating system, garbage disposals, ceiling fans, instant hot/cold water dispenser plumbing, and ductwork.
• ShieldGold™ ($49.99 per month): ShieldGold is the combo plan covering both systems and appliances. There are 23 home systems and appliances on this plan. The ShieldGold plan has additional coverages, including a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. Although this is one of the combo protection plans, it does not have as much coverage as ShieldPlatinum.
• ShieldPlatinum™ ($64.99  per month): The ShieldPlatinum plan includes 27 systems and appliances. Pricing for ShieldPlatinum is slightly higher, but it is one of the more premium home warranty plan choices in the state of New Hampshire. The ShieldPlatinum is considered premium home warranty coverage with very high coverage caps and the ability to help those with high-end systems and appliances in their NH home.

Coverage

American Home Shield also offers several add-on coverages for homeowners to consider.

• Septic system (first-year customers only, nonrenewable)
• Pool
• Spa
• PC
• TV (includes home theater system)
• Well pump coverage

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839. 

To read more, visit our American Home Shield review.

4. The Home Service Club

• Our Take: Quickest Service
• Average Annual Cost: [$600] – [$756]
• Response Time: Within 24 hours

The Home Service Club has the quickest coverage of any home warranty provider in New Hampshire. Most service providers will require a 30-day waiting period before the home warranty policy will begin. With The Home Service Club, coverage for breakdowns begins just ten days after the start of the policy. Homeowners will notice that The Home Service Club has extensive coverage for home systems and appliances. In addition, the policy has 13 years of industry experience, making it a leader in workmanship and professional quality.

Pros and Cons

✓ 13 years of industry experience

✓ Policy starts in just ten days

✓ Positive customer reviews

X No plan customization

X Does not have an ultimately budget-friendly cheap plan option

Plans and Pricing

The Home Service Club offers the Standard Coverage and Comprehensive Coverage plans for homeowners. These plans each have more than 18 covered items consisting of both systems and appliances. The service fees from The Home Service Club are fair, ranging from $65 to $125. The price of a service fee will impact the overall costs of the home warranty. Coverage caps from The Home Service Club will be around $2500.

Here’s a detailed look at The Home Service Club’s coverage:

• Standard Coverage ($50 per month): The Home Service Club Standard Coverage Plan has 18 covered items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. For a basic level plan, this policy has excellent replacement costs and impressive overall coverage.
• Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from The Home Service Club has 33 covered items. These extra coverages include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. For just a few dollars more per month, the Comprehensive Coverage plan lets you double the amount of coverage you have in your home warranty play.

Coverage

The Home Service Club also has plenty of add-on options, starting around $5 per month and increasing from there.

• Well pump
• Service line
• Plumbing sprinkler
• Spa
• Roof Leak (up to $1000 in coverage)
• Spa heater
• Freestanding freezer
• Water softener
• Pool (can be combined with spa coverage if the equipment is shared)
• Sprinkler system
• Pump (Sewage ejector pump)

To get a free quote from The Home Service Club, fill out this online form or call 800-842-9334. 

To learn more information, visit our The Home Service Club review.

5. Liberty Home Guard

• Our Take: Most Trustworthy
• Average Annual Cost: [$649] – [$749]
• Response Time: Within 24 hours

Liberty Home Guard is the most trustworthy home warranty in the state of New Hampshire. Liberty Home Guard has only been on the market for two years, yet they have managed to earn an A rating with the BBB. When you read the customer reviews and reports on how the Liberty Home Guard has been performing, it’s hard not to be impressed. Liberty Home Guard offers quick service and a broad range of coverage options. 

Pros and Cons

✓ BBB rating of an A after a short time in the industry

✓ Easy to use customer claim portal

✓ An extensive list of add-on coverages

X No plan customization

X Has only been on the market for a few years

Plans and Pricing

There are three Liberty Home Guard plans to choose from. You will notice that each of these policies is priced a bit higher than some others on the market. However, it is a good idea to look at the individual covered items included in the plan. Liberty Home Guard has a great range of options that will leave the majority of your home covered. In addition, the LHG additional options are some of the most extensive in the market. The service fee from LHG is $75.

Here’s a detailed look at Liberty Home Guard’s coverage:

• Appliance Guard ($64.99 per month): The Appliance Guard plan from Liberty Home Guard has coverage for 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. For an appliance-only home warranty plan, the coverage of the Appliance Guard is quite good.
• Systems Guard ($69.99 per month): The Systems Guard plan is a systems-only option with nine systems. These systems are the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. 
• Total Home Guard ($74.99 per month): The Total Home Guard is the best value from LHG. Total Home Guard has more than 20 covered systems and appliances. Having the Appliance Guard and Systems Guard combined into one plan is a great way to ensure your entire home is covered.

Coverage

Liberty Home Guard has one of the most extensive lists of add-on coverages in the industry; these will include:

• Pool and spa
• Additional spa (Billed as an extra to the pool system)
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system (all mechanical parts)
• Electronics protection
• Swamp cooler
• Ejector pump
• Septic system pumping
• Limited roof leak
• Pest control
• Locksmith
• Free-standing ice maker
• Central vacuum
• Stand-alone freezer
• Re-key
• Second refrigerator
• Wine refrigerator
• Well pump
• TV and PC
• Generator
• Water dispenser 

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. 

To learn more information, visit our Liberty Home Guard review.

Home Warranties in New Hampshire Cities

How Much Does a Home Warranty in New Hampshire Cost?

The average cost of a home warranty plan in New Hampshire is $800. The cost of this policy will change depending on the coverage you choose and the type of home you own. For those that are enjoying the Granite State in a condo or townhouse, expect lower overall costs. In addition, you must consider the service call fee, cancellation fees, and the coverage caps when looking at the total cost of having a home warranty in place. For those on a budget, a customizable plan tends to be a great choice.

Compare the Best Home Warranty Companies in New Hampshire

Final Thoughts

Hopefully, you now feel ready to choose a warranty for your New Hampshire home. The five companies on our list all offer excellent options for New Hampshire homeowners. However, Choice Home Warranty is the best overall option on the market. Choice has close to 13 years in the home warranty industry, excellent customer service, and a very simple plan policy to figure out. Overall you will be impressed with what Choice Home Warranty has to offer New Hampshire residents. It can make sense to get a few different quotes for your home warranty. Being able to compare pricing and coverage will help ensure you get the best deal.

How to Choose the Best Home Warranty in New Hampshire

At this point, you should be feeling a little less overwhelmed with the number of choices for New Hampshire home warranties. These top five plans will provide an excellent choice for the majority of New Hampshire homeowners. When you need to narrow down your plan and make your ultimate choice, there are a few things that you must keep in mind. Three of these things are service fees, company history, and coverage exclusions.  

• Service Fees: The service fee is the price you pay when you schedule a repair for one of your covered items. Service fees typically range in price from $60 to $150. 
• Company History: Some companies like American Home Shield have been in the industry for more than 50 years and are known for paying out large claims. Other companies only have a few years in the industry. Try to see what the overall reputation of the company is when you make your ultimate decision. 
• Exclusions: Home warranty plans all have different exclusions. Almost all companies will exclude pre-existing conditions. There are specific exclusions related to the maintenance that you do on your appliances and systems, so be sure you are aware of those. 

The winters in New Hampshire can be a bit harsh, and you have to be prepared for the aftermath of what the wear and tear of winter can do to a home. Three of the most common home maintenance problems in New Hampshire include the plumbing system, heating system, and laundry room appliances.

• Plumbing System: Many home warranty plans will have both plumbing system coverage and plumbing stoppage coverage. When you don’t have a home warranty in place, you will have to pay for the blockage to be cleared and the plumbing system to be fixed. This will result in a large sum of money, and a home warranty can help you save. 
• Heating System: Winters in New Hampshire are cold. If your heating systems are not in good working condition, you will want to ensure that you have a repair company just a phone call away. Healing systems can last a long time if they are correctly maintained and repaired. 
• Laundry Room Appliances: For large families, the laundry room appliances can be used almost every single day. With this much normal wear and tear, repairs will be necessary. Some appliance repair personnel will charge hundreds of dollars for one small part. With a home warranty in place, you simply pay your service fee.            

What is a Home Warranty?

A home warranty is a protection plan for home systems and appliances. With a home warranty in place, homeowners can have peace of mind about the out-of-pocket expenses involved with home appliances and system repair. A home warranty is important as it will encourage homeowners to enjoy the home they live in without thinking about the next home system or appliance breakdown costing them hundreds of dollars. In addition, when you have a home warranty in place, expect the wait times to be considerably lower for repairs and replacement.

Home Warranty vs. Homeowners Insurance

A home warranty and homeowners insurance are quite different. With a homeowners insurance policy, you will get protection from major events like fire, tornadoes, and even hurricanes. However, if you experience an issue with your dishwasher, the homeowner’s insurance will do nothing to help you. Home warranty plans are there to protect homeowners from the more common expenses that come up as a result of us using our homes each and every day.

How Does a Home Warranty in New Hampshire Work?

Whether you live in Concord or Manchester, NH, expect the home warranty plan to work almost exactly the same. All home warranty providers in the area follow the same basic steps for using your home warranty plan. Here is how a home warranty will work.

• Find a home warranty plan that meets the needs of your New Hampshire home while also keeping your budget in mind
• Wait the 10-30 days before the home warranty will go into full effect
• If you experience an issue with a home system or appliance, check your policy documents or online portal system to see if it could be covered as part of your home warranty plan
• Most times, a home warranty provider will have an online portal system allowing you to submit a claim; in addition, you can use a phone call or a live chat to let a representative know about your home warranty-related issue; most companies take new claims 24/7
• Pay the service call fee, and the technician or contractor will come to your home complete your repair
• Once the issue is inspected, options for repair or replacement will be presented to homeowners; if the appliance or system can’t be repaired, the home warranty plan may offer replacement costs
• Repair should happen within 24-72 hours; the only thing that typically delays a repair is wait times on parts
• A workmanship guarantee will protect you from having to pay the service fee more than once; if the repair fails, simply let your home warranty provider know, and they will send someone to repair it for you

What does a Home Warranty Cover?

Most home warranty plans will cover home systems, home appliances, and add-on coverage options. The choice of plan that works for your home may vary depending on the number of years you have in your home and the overall pricing you must pay for your home warranty. The appliances typically covered under the plan include things like the washer and dryer, dishwasher, and refrigerator.

For the systems coverage, it is very important to look at the list of coverages and find things that work for your needs. Systems are expensive to repair and replace, and you will want this coverage there to help you. Coverage can include things like plumbing systems, electrical systems, HVAC, and heating systems.

The add-on coverages are the extras. These will come at an increased cost, typically starting at around $5 per month. The add-on coverages include swimming pools, spas, sprinkler systems, pest control, and more.

What is Not Covered by a Home Warranty?

Home warranty plans only cover normal wear. If you are not adequately caring for your appliances and systems and not following routine maintenance procedures, the home warranty will not cover your needs. There are also times when things like intentional breakage or preexisting conditions will get your claim denied. Here are a few of the things that are not covered by a home warranty plan:

• Cosmetic issues
• Preexisting conditions
• Natural disasters
• Lack of maintenance and upkeep
• Intentional breakage
• Misuse of a system or appliance

Biggest Complaints about Home Warranty Companies in New Hampshire

As great as home warranty coverage is for most New Hampshire homeowners, there are complaints about the process. Home warranty companies in New Hampshire are not perfect, and there are issues that can come up with your policy documents or those that are sent to your home to repair an appliance or system. Three of the biggest complaints about New Hampshire home warranty companies are claim denials, failed repairs, and out-of-pocket expenses.

• Claim Denial: if a claim is denied, you will be rather frustrated by your home warranty policy; however, there are things you can do to ensure your claim will not be denied. Try to have an excellent understanding of the coverage of your home warranty and use this when filing a claim.
• Failed Repair: not all repairs work the first time they are attempted. If you have a failed repair, your workmanship guarantee may save you from a high out-of-pocket expense. The failed repairs can require an additional service call fee, so make sure to purchase a plan with a longer workmanship guarantee.
• Expenses: the home warranty will add additional expenses to your monthly budget. If you have several repairs in a year, the price will be well worth it. However, for the times when all systems and appliances stay in great shape, some homeowners get frustrated. This is where you need to look at the value of peace of mind.

Are home warranties worth it?

A New Hampshire home warranty is worth the money. With this home warranty in place, you will be able to live in your New Hampshire home without the constant fear of an appliance or system taking your next paycheck right out of your hands. Owning a home can be a lot to manage, and a home warranty helps make that easier for homeowners.

With a home warranty in place, homeowners can expect that there will be significant cost savings for system and appliance-related repairs. Whether you are looking to fix your HVAC or your plumbing system, you can expect average costs of $350 or more. With a home warranty in place, the costs will be for a service fee only or around $75.

For homeowners that are worried about the speed of a repair, most home warranty providers will guarantee you service within a 24 to 48 hour time period. The time it takes to repair a home warranty-related issue will be a major factor when you are in the middle of a New Hampshire winter.

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. 

To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five. 

Here is a quick breakdown of our five core scoring categories: 

• Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
• Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
• Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
• Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive. 
• Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.