A home warranty can offer you the peace of mind you need about your home and guard your bank account from large expenses by covering your home's major systems and appliances.
Homeownership in Wilmington comes with quite a few perks, but it also does not come without its challenges. Your home's appliances and systems will eventually need repair and this could mean a large expense hitting your bank account suddenly.
Finding the best home warranties on the market can be a challenge because of the many options out there. If you are tired of trying to compare the different options, keep reading for our guide to the top home warranty companies in Wilmington.
Determining the best provider for your home warranty is a step you could take to protect your house. Here is a list of factors that you'll want to be mindful of when choosing 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 Wilmington, Choice Home Warranty is the best overall home warranty. When you purchase a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice offers 2 plans for homeowners to decide between.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice's plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
Read more by visiting our thorough review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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 for Wilmington residents. The 3 plans from Select are comprehensive and have a mix of both system and appliance coverage. 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Wilmington area.
Read our Select Home Warranty full review to learn more. 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 is the most customizable home warranty in Wilmington. AHS has over 25 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from AHS, you can benefit from 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 plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
Read our comprehensive review of American Home Shield to learn more. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 for Wilmington residents. HSC has been operating for more than 14 years, making it a respected company in the industry. When you purchase a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000 at the maximum.
For a more detailed breakdown, read our The Home Service Club Review. To get a free quote from The Home Service Club, fill out this online form or call 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
In Wilmington, Liberty Home Guard offers the most trustworthy home warranty. Liberty has 3 simple plans, making the selection process easy. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Wilmington homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Liberty's plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
For more information on this provider, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
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 for Wilmington residents. When you buy a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage caps come out to around $1,500 per covered appliance or system.
Read more by visiting our comprehensive review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Wilmington. The 3 plans from Cinch are easily comprehensible and have a mix of both system and appliance coverage. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you'll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000 at the maximum.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services full review.
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 Wilmington
A home warranty is a home protection plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Wilmington home comfortable and convenient. When they start to break down, it can be expensive and a hassle. Fortunately, with a home warranty plan, an affordable repair is just a phone call away.
When you have a problem 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 take a look at the problem. The claim is then processed, and a homeowner will pay the service fee to schedule the repair . This repair will typically occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.
Home warranties help protect your home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear and tear. The appliances that are typically covered under a home warranty include clothes washer, dishwasher, microwave, garbage disposal, clothes dryer, refrigerator, and more. The systems usually included are air conditioners, hot water heaters, plumbing systems, electrical systems, and ductwork. Add-on coverage will vary from one plan to the next, but you can expect to see things like sump pumps, electronics, spas, central vacuums, pools, and roof leaks.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your home and follow preventative maintenance guidelines, the home warranty will not cover it. Things such as lack of maintenance, misuse, cosmetic damages, and pre-existing conditions are not covered by a home warranty policy.
Home warranty plans are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Wilmington reaching upward of 61 degrees in the summer, you may find that certain appliances, such as your air conditioning system, get a lot of use. A home warranty can significantly bring down your out-of-pocket costs should your HVAC system stop working.
A home warranty can also yield value in other ways. For instance, some policies can be transferred to another owner during a home sale.
One of the main drawbacks of home warranties is not every home system and appliance may be covered. It's important to research the different plans and opt for one that covers all the appliances, systems, and add-ons you need. Another thing to consider is that some providers don't cover pre-existing issues and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about these things if you need more information or if this is a problem for you.
Whether or not a home warranty is worth it ultimately depends on your personal preference. Like any other sort of insurance policy or warranty, its purpose is to offer you a sense of protection, so you will have to decide how much that is worth to you.
Hopefully, you now feel like you can select the best home warranty for your Wilmington home. Choice Home Warranty is the best overall home warranty company in Wilmington. It offers comprehensive coverage at an affordable monthly cost. However, other options mentioned above are also great choices for Wilmington residents.
The best overall home warranty company in Wilmington is Choice Home Warranty but the perfect company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a of service contract that provides homeowners extra coverage for their household systems and appliances. These include dishwashers, garbage disposals, washing machines, dryers, refrigerators, water heaters, heating and cooling systems, plumbing, electrical systems, and sump pumps, among others. Some plans also offer coverage for pools, roofs, garage door openers, and ceiling fans. A home warranty can help you save money if these items fail unexpectedly.
A home warranty covers the normal wear of systems and appliances in a home. A homeowners insurance plan protects the entire home in case of something such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim should you need a new refrigerator or oven, unless the damage is due to a natural disaster.
Typically coverage for a home warranty begins 30 days after the payment receipt. However, a few companies may allow you to file a claim before this, so verify with customer service to find the exact waiting period for your situation.
Most home warranty plans will cover replacement costs in addition to repair costs. The coverage cap varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A home warranty policy can cost on average around $300 to $800 a year in Wilmington. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best price is.
