5 Best Home Warranty Companies in Connecticut (2024)

We recommend Liberty Home Guard (LHG) for Connecticut homeowners who need more flexibility with their coverage. The company offers 38 add-on selections that include roof leaks, plumbing fixtures, and sump pumps. 

Monthly cost: $49–$59

We awarded LHG 4.5 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (4.7 out of 5): LHG received a higher score for its extensive add-on catalog, one of the largest in this review. 
• Value (4.25 out of 5): We deducted points for the company’s inflexible service fee policy. 
• Trustworthiness and Transparency (4.8 out of 5): LHG received a high score thanks to its excellent customer satisfaction, which includes an A rating* with the BBB.
• Availability and Service (4.3 out of 5): LHG lost points for limiting service technician options. 

*BBB rating is accurate as of December 2023.

While reading the Liberty Home Guard sample contract, we discovered that electrical and plumbing systems receive a $500 cap, well below the $2,000 industry standard. All other appliances and systems receive the standard $2,000 limit, though. In addition, LHG doesn’t include roof-leak coverage with any of its standard plans. Instead, you must pay extra for add-on coverage. Although this is a standard home warranty procedure, some companies include roof-leak protections in select plans. 

Here’s a look at LHG’s plans:

• Appliance Guard: This plan includes coverage for nine essential appliances, including cooktops, dishwashers, and refrigerators. All appliances include a $2,000 coverage cap. 
• Systems Guard: This system-only plan includes six major built-in systems, such as air conditioning, heating, and plumbing. While plumbing and electrical have a $500 cap, all other systems have a $2,000 limit.
• Total Home Guard: This plan combines the Appliance Guard and Systems Guard plans, offering comprehensive system and appliance coverage. All coverage caps are the same.

LHG offers monthly and annual premium options, which is typical for many home warranty providers. Our sample quote included two free months of coverage for choosing an annual plan. When we spoke to a LHG representative, she explained that the company assigns service call fees based on your location, plan, and add-ons. Fees range from $65–$125 per service call. 

Here are more details on LHG’s monthly pricing:

LHG offers 38 add-on options, the largest selection in this review. Add-on coverage could add 

$3.00–$35.99 per month, depending on your selections. Roof-leak coverage will add $11.99 per month to your premium costs. LHG recommended the following popular add-on options in our sample quote for Connecticut:  

• Plumbing fixtures
• Pool and spa
• Septic system pumping
• Well pump

We tested LHG’s communication tools during secret shopping to find the quickest options. Calling customer support provided the quickest connection, as we reached a representative in under one minute. The live chat feature also connected us in under a minute but initially transferred us to an automated bot. We had to request a live agent twice through the bot before we were rerouted to someone. 

We recommend American Home Shield (AHS) for Connecticut homeowners with older homes or systems. Unlike most home warranties, the company’s comprehensive plans cover items with unknown preexisting conditions, rust and corrosion damage, and improper installations. This coverage overlooks some of the standard exclusions.

Monthly Cost: $79–$139

AHS received 4.4 out of 5 stars in our review standards. Here’s how we rated the company in key categories:

• Coverage (4.7 out of 5): AHS received higher points for its comprehensive system and appliance coverage, including HVAC and plumbing. 
• Value (4 out of 5): AHS lost points for its expensive plans, which were higher than other reviewed providers. 
• Trustworthiness and Transparency (4.25 out of 5): We deducted points for its lower average customer review score. 
• Availability and Service (4.7 out of 5): AHS received higher points for its efficient claims process.

We read through the American Home Shield sample contract to fully understand the company’s coverage and limits. We learned that roof-leak coverage comes with the highest plan, ShieldPlatium. You must add additional coverage to the other two plans. The company offers a generous $5,000 coverage cap for home systems, including colling, heating, and plumbing. All repairs come with a 30-day workmanship guarantee, which is the industry standard. 

Here’s a rundown of AHS’s plans:

ShieldSilver: The lowest plan includes system-only coverage and includes cooling, heating, and plumbing. You receive a $5,000 coverage cap for your systems. 

• ShieldGold: This includes the ShieldSilver plan coverage but adds major kitchen and laundry room appliances. You receive a $5,000 system cap but an added $2,000 for appliances.
• ShieldPlatinum: The most comprehensive plan includes ShieldGold coverage and additional perks, such as HVAC tune-ups and rook-leak protection. Appliance coverage increases to $4,000 per item. 

Unlike other providers that provide annual and monthly options, AHS only offers monthly premiums for its plans. You can choose between a $100 or $125 service call fee. This is on the higher end of the industry standard, but it’s balanced out by higher coverage caps and more liberal coverage. Our monthly premium increased when we chose a lower fee for our sample quote. 

Here’s a look at AHS’s monthly pricing options:

AHS offers six add-on options with its coverage plans. Based on our research, most providers offer eight or more options. To add roof-leak coverage to the ShieldSilver and ShieldGold plans, you must pay an extra $10 a month. AHS add-on pricing ranges between $5 and $32, which is about average.

AHS offers the following add-on coverage:

• Electronics protection plan
• Guest unit 
• Pool and spa
• Septic pump
• Well pump

A member of our team recently put AHS’s claims processing to the test when he needed to repair a leaky bathroom pipe. Within five minutes of submitting his claim online, he received text and email confirmations. Five minutes later, a service technician called and scheduled a next-day appointment. The technician took two hours to complete the repairs. Our team member only paid the service call fee for the visit. 

We recommend Elite Home Warranty for Connecticut homeowners who want more flexibility with their coverage and premiums. The company offers three fully customizable coverage plans and 27 add-on options.

Monthly cost: $44–$58

Elite Home Warranty scored 4.6 out of 5 stars in our review standards. Here’s how it did in key categories:

• Coverage (4.6 out of 5): The company scored high for its three customizable coverage plans and extensive add-on catalog. 
• Value (4.25 out of 5): We deducted points because it only offers one service call fee and charges a higher fee for high-end appliances.  
• Trustworthiness and Transparency (4.8 out of 5): It scored well for its excellent customer review scores on the BBB and other third-party sites. 
• Availability and Service (4.5 out of 5): It lost points for its limited online services. Unlike other providers, it doesn’t offer an online quote tool.

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems. However, claim limits vary among covered items. For example, air conditioners receive up to $4,000, while electrical systems are capped at $2,000. We recommend reading through the sample contract or getting a quote for full details on coverage caps. 

Below are the details of Elite Home Warranty’s coverage plans:

• Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit. 
• Elite Systems: This system-only plan covers eight home systems, including air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.  
• Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection. 

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend. 

We’ve outlined the provider’s pricing and service fees below:

Elite Home Warranty offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term. 

We’ve highlighted some of the company’s most attractive add-on options below. View the full list on Elite’s website:

• Annual maintenance
• Drainage, sewer, and water service lines
• Pool and spa equipment
• Geothermal heating and cooling systems
• Septic system

One of our team members tested the Elite Home Warranty claims process to repair his broken high-end dishwasher. Here’s a summary of his experience:

• He submitted his claim online and received a claims specialist call within 30 minutes. 
• He received a next-day appointment for his repair. 
• The technician arrived on the assigned day but realized the repair would require out-of-stock parts. 
• After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
• The technician completed the repairs within an hour.

Elite Home Warranty sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. You won’t receive any workmanship coverage if you choose your own technician.

We recommend Select Home Warranty for budget-conscious Connecticut homeowners. Select Home Warranty offers baseline coverage plans for under $50 and includes free roof-leak coverage with every plan. 

Monthly cost: $44–$47

Select Home Warranty received 4.3 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (3.7 out of 5): We deducted points for its low coverage caps, which fall below industry standards.
• Value (5.5 out of 5): It earned a perfect score for its affordable premiums. 
• Trustworthiness and Transparency (4.5 out of 5): The provider lost points for its lower customer review scores. 
• Availability and Service (4.3 out of 5): We deducted points for its claims processing, which could take 48 hours or longer

During secret shopping, we read through the Select Home Warranty sample contract. Our team learned that although HVAC systems receive a $3,000 cap, other systems and appliances max out at $500. In addition, all plans include free roof-leak coverage. Select Home Warranty is one of the few companies to include this protection in its standard coverage. 

Here’s an overview of Select Home Warranty’s plans:

• Bronze Care: The lowest plan covers eight major appliances, including clothes washers, refrigerators, and ovens. You receive a $500 cap for all appliances.
• Gold Care: This system-only plan covers six major home systems, including air conditioning, heating, and plumbing. Although most items receive the same $500 limit, heating and cooling systems receive $3,000 in coverage. 
• Platinum Care: The highest plan combines Bronze and Gold Care protection and adds other items such as ceiling fans and plumbing stoppages. All coverage limits remain the same. 

Select Home Warranty offers monthly and annual premium options. When we pulled sample quotes, we received a $150 discount and two additional months of coverage with the annual plan options. Our team also discovered that Select Home Warranty assigns its service call fees, which vary between $60 and $75, which is lower than average. 

Below are more details on Select Home Warranty’s costs:

Select Home Warranty offers nine add-on options, which is typical for a home warranty company. However, its pricing is lower than most competitors, with no add-ons exceeding $9 per month. Although roof-leak coverage comes with every plan, you must add the add-on option to receive protection. 

We’ve included some of Select Home Warranty other add-on options below:

• Central vacuum
• Lawn sprinkler system
• Pools
• Septic system
• Standalone freezer

When our team called Select Home Warranty for a quote, we were given a phone-exclusive offer for its lowest available service fee, indicating its preference for direct phone interactions. Our customer service representative recommended processing all claims and account issues over the phone rather than online.

Additionally, we learned that Select Home Warranty utilizes its pre-vetted network of technicians to handle repairs. While you can request your technician if none are available in your area, Select Home Warranty must still approve that technician before providing service.

We recommend America’s First Choice Home Warranty (AFC Home Warranty) for Connecticut homeowners to have more control over their plan customization. The company offers four coverage plans, three service fees, and 13 add-on options. 

Monthly cost: $36–$62

AFC Home Warranty earned 4.6 out of 5 stars, and here’s how it scored in key categories:

• Coverage (4.3 out of 5): AFC Home Warranty lost points for its depreciated value policy. 
• Value (4.5 out of 5): The company scored well for its plan variety and customization options. 
• Trustworthiness and Transparency (4.8 out of 5): It scored high points for its plan-length workmanship guarantee. 
• Availability and Service (5 out of 5): AFC Home Warranty achieved a perfect score for its flexible service technician policy. 

After reading the AFC Home Warranty sample contract, we found out that systems, including HVAC and plumbing, receive an unlimited coverage cap. Appliances receive $3,000 limits but could be subject to a lowered cap based on their age. AFC Home Warranty includes a depreciated value policy that lowers coverage caps for items that are five years or older. All repairs and replacements include a plan-length workmanship guarantee.

Here’s a quick overview of each AFC Home Warranty coverage plan:

• Silver Plan: This appliance-only plan includes nine home appliances, such as cooktops and garbage disposals. You receive a $3,000 cap for each appliance.
• Systems Plan: This plan protects five major home systems, including air conditioning, heating, and plumbing systems. You receive an unlimited coverage cap for each system.
• Gold Plan: The next plan tier includes the Systems and Silver coverage, but adds plumbing stoppages and garage door openers. All coverage caps are the same. 
• Platinum Plan: The highest comprehensive plan includes Gold Plan items and adds coverage for faucets, built-in microwaves, ice makers, and fan work. All coverage caps are the same.

AFC Home Warranty includes annual and monthly premiums. It’s one of the few companies to offer premiums for up to three years. Annual plans include a $100 annual discount for a one-year plan and $250 off for a three-year option. The company offers flexible service fees for $75, $100, and $125.

Here’s an overview of AFC Home Warranty’s pricing:

AFC Home Warranty has 13 different add-on options, with pricing starting at $25 per year, with the highest add-on increasing your monthly costs by $150. You can add roof leak protection to any plan at no additional cost.

Some additional add-on options include the following items:

• Double ovens
• Hot water dispensers
• In-ground pools and spas
• Septic systems
• Sump pumps

During secret shopping, we learned that AFC Home Warranty lets you choose your own service technician. Most home warranty providers limit customers to their network of pre-vetted technicians. In addition, our sample quote also included exclusive perks, such as free credit monitoring, insurance discounts, and cyber ID protection.