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Maine’s freezing winters and heavy snowfall require your home’s roof and HVAC system to be in top shape. We suggest signing up for a home warranty to avoid paying out of pocket for an inconvenient system or appliance breakdown. Home warranty companies connect you with reputable service providers who can typically fix your issue in one visit. Our team compared the best home warranty companies in the United States against our in-depth review standards, then chose the best options in Maine.
The Top 5 Home Warranty Companies in Maine
We rated the following home warranty companies based on their coverage limits, plans, pricing, and service reputability. Here is our list of the top Maine 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 used in this article is a national average based on the 120 sample quotes we requested. We used a 2,000-square-foot, single-family home for our quotes. Your cost may vary based on your coverage and your home’s size, type, and location.
American Home Shield
Get a quick quote: Visit American Home Shield’s site
Read more: American Home Shield Review
Liberty Home Guard
Get a quick quote: Visit Liberty Home Guard’s site
Read more: Liberty Home Guard Review
Select Home Warranty
Get a quick quote: Visit Select Home Warranty’s site
Read more: Select Home Warranty Review
America’s 1st Choice Home Club
Get a quick quote: Visit America’s 1st Choice Home Club’s site
Read more: America’s 1st Choice Home Club Review
Cinch Home Services
Get a quick quote: Visit Cinch Home Services’ site
Read more: Cinch Home Services Review
Home Warranty Regulations in Maine
Maine’s Bureau of Insurance regulates home warranties and service contracts. According to Statute § 7105 Title 24-A, Chapter 91, home warranty companies must follow several requirements to obtain a license to sell policies. For example, companies must write contract language that is clear and easy to understand.
Maine also provides a complaint form you can submit if you believe your home warranty provider has neglected its contractual obligations.
Arthur Chartrand, who is of counsel to the National Home Service Contract Association (NHSCA), suggests keeping track of who you interact with when you file a claim with your provider. This allows you to expedite the resolution process if there is an issue.
Understanding the Fine Print
Reputable home warranty companies provide detailed sample contracts for each of their coverage plans. The sample contract outlines a plan’s exact terms, exclusions, and limitations, so we highly recommend reading it before signing up. Here are some of the most common things to look for when reading a sample contract:
- Cancellation terms
- Claims process
- Covered items and parts
- Limitations and exclusions
Carefully consider your coverage needs and ensure the provider’s sample contract specifies protection for those items.
Our team recommends American Home Shield due to its generous HVAC and built-in system coverage limits. Liberty Home Guard is another solid choice because it covers up to two heating system units within its standard plans. Finally, Select Home Warranty provides roof-leak repair coverage in each plan. We recommend pulling quotes from at least three companies to compare coverage options and costs.
Maine Home Warranty Companies FAQ
How do I avoid a home warranty claim denial?
There are several ways to avoid a claim denial from your home warranty provider:Conduct regular inspections of your systems and appliances.Keep track of all maintenance documents.Perform routine maintenance.Read your sample contract.
How is a home warranty different from a homeowners insurance policy?
A home insurance policy covers the structural integrity of your home. It also covers items damaged by covered perils such as storms, vandalism, or wildfires. A home warranty, however, covers home systems and appliances that fail due to normal wear and tear.
Do home warranties cover broken home items?
All home warranty providers require your home items to be in working condition before providing coverage. You can file a claim if a covered item breaks after your initial waiting period.
Do I need a home warranty when buying or selling a home?
You don’t technically need a home warranty when buying or selling a home. However, a home warranty can bring peace of mind to a new home buyer by covering their new home’s systems and appliances for at least the first year of homeownership. For home sellers, it adds an extra incentive for home buyers to consider their home over others. Plus, it raises the value of the home and could lead to a quicker sale.
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.