A home warranty is a way to protect your bank account from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and allow you to live in your home with more peace of mind.
Homeownership in Charlestown can be a satisfying step for many, but it also comes with its fair share of concerns. Home repairs can be an unexpected financial burden for many homeowners.
Since the home warranty market has many providers — all with different coverage — our team at House Method decided to do the research for you to help you find the right home warranty in Charlestown.
The first step in protecting your property with a home warranty is determining which provider's plan is right for you. Think about the items in your home you need coverage for and compare the plans. Below is a list of factors that you'll want to consider when picking a home warranty provider:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
In Charlestown, Choice Home Warranty is the best overall home warranty. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for you to choose from.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered system or appliance.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our full review of Choice Home Warranty.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty offers the most cost-effective home warranty in Charlestown. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easy to understand and offer both system and appliance coverage.
Select Home Warranty has 3 plans that offer a combination of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
Read more by visiting our detailed review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
American Home Shield offers the most customizable home warranty for Charlestown residents. AHS has over 25 years of industry experience and in that time has built a impressive network of service technicians in the country. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Charlestown area.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information, read our review of American Home Shield.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service in Charlestown. HSC has over 14 years of experience in the industry and in that time has built a an network of service technicians nationwide. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process and policy coverage easily understandable.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information, read our detailed review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Charlestown. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage. When you purchase a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our detailed review of Liberty Home Guard.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in Charlestown. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The 2 plans that First American offers include options for appliance and system coverage.
First American Home Warranty has 2 plans that offer a combination of system and appliance coverage. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Charlestown area.
For more information on this provider, read our review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
In Charlestown, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our detailed review of Cinch Home Services.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Charlestown
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they stop working over time due to normal wear and tear. Having a home warranty in place can provide some peace of mind and prevent you from paying large out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty.
When you have an issue with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will contact you about a repair technician coming over to look at the problem. Once you file the claim, it will be assigned to a local repair person that will come to your home and fix the issue. At this point, you pay the service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket expense you will have to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty will cover systems and appliances that have broken down due to normal wear and tear. For instance, if your dishwasher suddenly needs repairs under normal use conditions, you can call your home warranty company. Typical appliances covered by a home warranty plan include a refrigerator, dishwasher, garbage disposal, microwave, dryer, washer, and more. The systems that are most commonly covered will be plumbing systems, air conditioners, heating systems, electrical systems, and hot water heaters. Add-on coverage will vary from one plan to another, but you can expect to see add-ons like central vacuums, electronics, roof leaks, spas, sump pumps, and pools.
An important thing to note is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things like pre-existing conditions, misuse, lack of maintenance, and cosmetic damages are not included in the home warranty policy.
Since temperatures in Charlestown can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances stops working suddenly.
Another benefit of having a home warranty if you want to sell your home is that some providers let you transfer your home warranty policy to the new owners. It can make your home more attractive to potential home buyers and may help your home sell faster.
Home warranties also have some drawbacks. While it can give you less to worry about since the home warranty sends out a service technician who carries out the repair for you, some may not like this, and they may want to choose a contractor themselves. If that's important to you, some home warranty providers allow you to choose a contractor. In addition, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Although home warranties do have some things to bear in mind, whether during winter, summer, or the months in between, a home warranty can help cut back on the inevitable expense of home appliances and system repairs, giving you some peace of mind.
We hope you now feel positive that you can choose a home warranty provider in Charlestown after going through our guide. Choice Home Warranty stands out as the best overall home warranty. It offers comprehensive coverage at an affordable cost. However, other companies reviewed above also give great coverage choices for Charlestown residents.
The top home warranty company in Charlestown is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced repair technicians and a great reputation in the Charlestown area.
First-time home buyers, real estate agents, landlords, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save homeowners money in the long run.
Most home warranty policies have a 30-day waiting period before you can make service requests, but some may allow you to file sooner so make sure you check with the company about this.
A home warranty plan covers repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and often don't cover something that happened as a result of a pre-existing condition.
Most home warranties cover replacement costs in addition to repair costs. The coverage cap varies from one plan to the next. Your home warranty will give you some money towards a replacement but the entire replacement may not be paid for.
Homeownership can be costly. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty plan, you will not have any large hits to your savings account for home maintenance.
