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5 Best Home Warranties Companies in Delaware for 2023
By Victor Rosario MONEY RESEARCH COLLECTIVE
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- Members Can Save Up to 50% at Nike, Costco, Home Depot & 1000’s more
- Online Business Bureau Accredited with A+ Rating
- Covers Major Home Systems, HVAC & Appliances
- Free Roof Coverage, No Inspection Needed
24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
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- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
Homeowners in Delaware know that protecting their investment is essential to ensure long-term peace of mind. One way to do this is by buying a home warranty plan, which covers major appliances and systems when they break down due to normal wear and tear. However, with so many home warranty providers to choose from, it can be challenging to determine which one is the best for your needs.
To help you make an informed decision, we have researched and reviewed the top home warranty companies in Delaware. In this article, we will provide you with a guide to understanding home warranties in Delaware, answer some frequently asked questions, and highlight the five best home warranty companies in the state.
Our top picks for the best home warranty companies in Delaware
- Best overall: Liberty Home Guard
- Best low-combo plans: Select Home Warranty
- Best for unlimited coverage for systems repairs: American Home Shield
- Best for long workmanship guarantee: Cinch Home Services
- Best for HVACs: AFC Home Club
Table of contents
- Best home warranty companies in Delaware reviews
- Home Warranties Companies in Delaware Guide
- FAQs
- How we chose the best home warranty companies in Delaware
Best home warranty companies in Delaware reviews
Best Overall: Liberty Home Guard
- Customizable plans with a very wide range of add-on coverages
- Offers systems-only, appliances-only and combination plans
- Some customers have reported slow response times for service requests
- More than 500 complaints made to the Better Business Bureau
At Liberty Home Guard, customers can choose from three straightforwardly named home warranty plans: Appliance Guard, Systems Guard, and Total Home Guard. In a market where many companies use arbitrary names for their plans, often based on precious metals, the simplicity and clarity of Liberty Home Guard’s naming convention is appreciated.
The Appliance Guard Plan is priced at $49.99 per month and offers coverage for nine common kitchen and laundry appliances, including garbage disposals, ceiling and exhaust fans, and garage door openers.
For $54.99 per month, customers can opt for the Systems Guard plan, which covers heating, air conditioning, plumbing, electrical systems, and hot water heaters. Additionally, the plan covers ductwork as part of the HVAC coverage.
The Total Home Guard plan includes coverage for all items in the two lower-priced plans and costs $59.99 per month. All plans include a service call fee of $125, but customers have the option to choose a lower fee, as low as $65.
What sets Liberty Home Guard apart is the extensive range of optional coverages available, with about thirty to choose from. This includes popular add-ons like coverage for second refrigerators, well pumps, and septic pumping, as well as more obscure items. Notably, customers can also purchase coverage for pro-series appliances, which are often excluded from home warranties, as well as maintenance services such as carpet cleaning and exterior power washing. Electronic devices can also be covered.
Best Low-Combo Plans: Select Home Warranty
- Offers individual plans for systems or appliances
- Low-cost combo plan
- Discounts for multiple-year plans
- Limited roof leak coverage available
- Fewer add-on coverage options than competitive plans
- Low coverage limits for appliances, electrical systems, and plumbing systems ($500)
- More exclusions than other plans
Homeowners have a choice of three plans, including an appliance plan, a systems plan and a combination plan. The Bronze Care plan is an appliances-only option, offering coverage for washers, dryers, refrigerators, stoves, built-in microwaves and garbage disposals. The Gold Care plan is a systems-only option, providing coverage for HVAC, electrical and plumbing systems, water heaters and ductwork.
Select Home Warranty’s Platinum Care plan is a low-cost combination plan that includes limited roof leak coverage. However, the low costs of the plan may be offset by the low coverage limits for certain appliances and systems. For example, the coverage limit for appliances is only $500, which may not be sufficient in today’s inflationary times, where it can be challenging to find a decent refrigerator for under $1,000.
Best for Unlimited Coverage for Systems Repairs: American Home Shield
- Unlimited coverage for covered system repairs
- Covers items with no maintenance records
- Covers breakdowns of appliances that haven't been properly maintained
- Free removal of items that need replacement
- More expensive than other plans
One of American Home Shield’s standout features is that it has fewer exclusions than other home warranty companies and places no limits on system coverage. This means that even neglected appliances are eligible for breakdown coverage, and customers can potentially save thousands of dollars should their heating system require replacement, for instance.
American Home Shield’s ShieldSilver plan provides coverage for four major systems in the home, including heating, cooling, electrical and plumbing. The ShieldGold plan expands on this to cover appliances in the kitchen and laundry room. The ShieldPlatinum plan encompasses everything covered in the two lower-priced plans and adds limited roof leak coverage, free HVAC tune-ups, and unlimited refilling of A/C refrigerant. Additionally, it includes coverage for repairs necessary due to code violations, which are typically excluded by other home warranty plans.
Best for Long Workmanship Guarantee: Cinch Home Services
- Exceptional 180-day workmanship guarantee
- Three competitively priced plans to choose from
- Choice of service fees
- Service fees are on the high side
Cinch Home Services offers homeowners a choice of three plans: a system-only plan, an appliance-only plan, and a combination plan that boasts highly competitive pricing.
Cinch’s home warranty is notable for its industry-leading workmanship guarantee, which lasts for an exceptional 180 days. This is significantly longer than the 30-day guarantee offered by many other home warranty companies, which can result in customers paying multiple service fees for the same repair. However, it is worth noting that Cinch’s service fees are comparatively high, starting at $100. Fortunately, clients have the flexibility to adjust their deductible.
While the company offers limited options for additional coverage, including pools, spas, septic tanks, well pumps, and code violation repairs, it provides another unique feature: when a homeowner needs to make a claim through their homeowner’s insurance policy, Cinch offers to reimburse up to $500 of the insurance deductible for any related home system damage.
Best for HVACs: AFC Home Club
- HVAC tune-ups exempt from coverage caps
- 30-day refund policy
- Member of the NHSCA
- 30-day waiting period
- $1,500 to $2,000 cap per item
AFC Home Club provides home warranty coverage for appliances and systems, with individual item coverage limits of $1,500 to $2,000. Their policies have an annual starting price of $395, and clients can get a pro-rated refund within 30 days of purchase. Clients have the flexibility to choose contractors from the AFC Home Club network or their own. Claims made within the first 30 days of coverage have a limited payout of $150, and there is a 30-day waiting period.
The company’s HVAC tune-ups are not subject to coverage limits, which is part of the reason why we named AFC Home Club our best company for HVACs. AFC Home Club is a member of the NHSCA and has been accredited by the Better Business Bureau since 2009, earning a B rating. The company’s website features a free quote calculator, sample contract, and detailed coverage information for each item.
Home Warranties Companies in Delaware Guide
Main things to know before purchasing a home warranty in Delaware
A home warranty plan is a service contract that covers the cost of repairs or replacements of major appliances and systems in your home due to normal wear and tear. It is not an insurance policy, and it does not cover pre-existing conditions or breakdowns caused by negligence or lack of maintenance.
What does a home warranty company cover?
Home warranty coverage applies to major home appliances and systems such as HVAC, water heaters, plumbing, electrical, ductwork, and kitchen appliances. The specific items covered depend on the plan you choose, and there may be add-on options available for coverage of items such as well pumps, central vacuum systems, and stand-alone freezers.
Other appliances and systems that your home warranty covers under your basic plan or additional home protection plans may include:
- Cooktops
- Septic systems
- Sump pumps
- Plumbing systems, including plumbing stoppages
- Air conditioners
- Clothes dryers
- Trash compactors
- Washing machines
- Water dispensers
- Ceiling fans
- Ice makers
How much does a home warranty cost in Delaware?
A home warranty’s cost varies depending on the provider and the plan’s coverage options. Most providers offer several plan options with different levels of coverage and pricing. The monthly cost ranges from $40 to $80, and there is usually a service fee or deductible for each service call.
Who regulates home warranty companies in Delaware?
In Delaware, home warranty companies are regulated by the Delaware Insurance Department. The Department requires home warranty providers to register and obtain a license to operate in the state.
How does a home warranty in Delaware work?
If a covered item breaks down, you would file a home warranty claim with your provider, who will send a qualified service provider to diagnose and repair or replace the item. You will pay a service fee or deductible for each service call done by a service technician, and the home warranty provider will cover the cost of repairs or replacements up to the coverage limits of your plan.
FAQs
Can older appliances be included in coverage?
What benefits does a home warranty offer for Delaware homeowners?
Is there a discount for covering multiple homes under a home warranty?
Do I need a home inspection for a home warranty in Delaware?
How we chose the Best Home Warranties Companies in Delaware
We evaluated home warranty companies in Delaware based on several factors, including coverage options, service fee or deductible, response times, customer reviews, and the provider’s workmanship guarantee. We also considered the provider’s reputation, experience, and industry awards.
