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Delaware experiences all four seasons, and your home’s systems and appliances could be vulnerable to its hot and cold temperatures. With regular use, systems and appliances can break down due to normal wear and tear. A home warranty ensures you’re covered when the unexpected happens. We compared the best home warranty companies in the United States and selected the best providers for Delaware homeowners.
The Top 5 Home Warranty Companies in Delaware
Our team considered plan availability, costs, coverage limits, customer service, and additional coverage options to determine our list of the best Delaware home warranty companies:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- America’s 1st Choice Home Club : Best Membership Perks
- Cinch Home Services : Best Coverage Variety
The cost data displayed in this article is based on our team’s national average for a monthly home warranty premium. Your cost may vary based on your home’s size and type, your location, and your coverage selections.
Compare Delaware’s Top Home Warranty Companies
|Star Rating||Monthly Cost||Service Fee||BBB Rating||Link|
|American Home Shield||$65–$76||$100–$125||B||VISIT SITE|
|Liberty Home Guard||$49-$60||$65–$125||A+||VISIT SITE|
|Select Home Warranty||$44–$48||$65–$75||B-||VISIT SITE|
|First American Home Warranty||$59–$77||$75–$125||B||VISIT SITE|
|American Home Shield|
|Liberty Home Guard|
|Select Home Warranty|
Home Warranty Regulations in Delaware
Delaware doesn’t have a clear governmental body that oversees home warranty companies. However, you can file a complaint with the Department of Insurance if your provider ignores its contractual obligations.
There are industry associations such as the National Home Service Contract Association (NHSCA) that self-regulate home warranties. The NHSCA includes member companies that follow fair business practices.
Arthur Chartrand, of counsel to the NHSCA, advises homeowners to keep track of who they speak with whenever they contact their provider for a claim. He recommends noting the date and time, the name of the representative you speak with, and your issue. Doing so helps resolve the issue with your provider before escalating it with your state’s insurance commissioner.
Do Home Warranties Cover High-End Appliances?
Most home warranty providers cover high-end appliances to an extent. Several providers implicitly cover them, while others directly outline the total coverage limit they offer for high-end appliances. Other providers, such as Liberty Home Guard, offer high-end appliance coverage as an add-on.
Before signing up with a provider, carefully review its service contract to note the coverage amount it provides for high-end appliances. Due to the higher value of high-end appliances, you would likely want a plan that covers most or all of the repair costs involved.
A home warranty reduces the impact of a broken home appliance or system so you can enjoy your home fully. We recommend American Home Shield as our top pick because of its comprehensive systems and appliance coverage. Liberty Home Guard is another recommended provider since it provides solid coverage limits and coverage for second air conditioning and HVAC units. Finally, AFC Home Club offers flexibility with its four coverage plans.
Before signing up, request quotes from at least three providers to compare costs, coverage terms, and exclusions.
Delaware Home Warranty Companies FAQ
Is there a downside to a home warranty?
Yes. The biggest downside to a home warranty is the coverage exclusions. Home warranties typically only cover what is listed in their fine print. Before choosing a company, carefully read its sample contract to understand its coverage terms and exclusions.
How is a home warranty different from a homeowners insurance policy?
A home warranty covers your home’s systems and appliances when they break down due to normal wear and tear. A homeowners insurance policy covers the structure of your house and its contents should a covered peril occur. For example, if your deck catches fire, your homeowners insurance would cover it. If your air conditioner stops blowing cold air, your home warranty would cover it.
Are home warranties worth it on older homes?
Yes, a home warranty is worth considering for an older home. Older homes typically have aged appliances and home systems, which are more likely to break down from wear and tear. The exception is if your home systems and appliances have preexisting conditions, as many providers exclude coverage for these.
Who do I contact if my state doesn’t have a clear regulatory body for home warranties?
The Office of the Attorney General is the best entity to contact if your state doesn’t have a clear regulatory body for home warranties. The Attorney General’s and Consumer Protection offices handle complaints and take the necessary steps to regulate noncompliant companies. In addition, the National Home Service Contract Association forwards complaints to the appropriate third party.
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.
We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.