It’s difficult to counter the unfavorable stigmas related to house warranties when debating buying one to your own residence or rental property. Reviews of corporations not fixing points as prospects anticipated, disguised exclusions, insufficient technicians making points worse, and even pretend corporations aren’t what a property proprietor desires to see from their potential house guarantee supplier. However partnering with house guarantee firm can probably prevent 1000’s of {dollars} over the course of an annual contract by defending and supporting your house with a coated restore or alternative. When home equipment and techniques break down, discovering a professional will be intimidating, particularly for owners which might be new to a particular space. Residence warranties will take that analysis and vetting step for you, supplying you with a one-stop answer for coated breakdowns.
New Hampshire residents take pleasure in life in shut proximity to nice facilities, from a booming expertise {industry} to the White Mountains to coastal areas. Life is extremely busy in 2024, however owners in New Hampshire perceive and worth taking time to decelerate and revel in all The Granite State has to supply. When an equipment or system breaks down, we don’t all the time really feel like we will, or need, to place all the things on maintain to repair it, and typically we lack the power to assist the breakdown financially. That is when a house guarantee will be probably the most helpful to you — by stepping in and assigning a trusted skilled to repair the problem in your schedule, and usually at solely the price of a service price.
I’ve researched many house guarantee corporations and created an inventory of the prime 5 greatest house guarantee corporations in New Hampshire through the use of At present’s Home-owner overview requirements — distinctive, consumer-centered score standards primarily based on protection, customization choices, affordability, buyer expertise, firm popularity, and claims course of. Along with utilizing the At present’s Home-owner overview requirements, I additionally went secret buying, together with calling to talk with representatives, studying via pattern contracts, studying via on-line critiques, complaints, and resolutions, and sifting via model internet pages. I additionally researched state house guarantee rules, incentives, and protections for customers in New Hampshire. By these processes, I narrowed my listing all the way down to my prime 5 greatest house guarantee corporations in New Hampshire so you possibly can simply discover a plan that meets your wants and your funds.
Why Belief Us?
Right here’s how we ranked and reviewed the nation’s prime house guarantee corporations to convey you probably the most correct info.
76
Our group of specialists reviewed over 70 house guarantee suppliers to match plan choices, protection limits, costs, and buyer suggestions.
152
We collected over 100 pattern quotes from dozens of house guarantee corporations to present you an correct take a look at {industry} pricing.
6
Our score system scores suppliers primarily based on 6 key elements: protection choices, affordability, buyer expertise, popularity, claims processes, and availability.
Learn our full Residence Guarantee Assessment Methodology for extra particulars.
High 5 Residence Guarantee Firms
Highlights
- Liberty Residence Guard is my prime suggestion for a house guarantee supplier in New Hampshire as a result of they provide in depth customization, together with 42 add-ons, emergency providers, and a customer-chosen service price, and probably extra importantly, have maintained a optimistic buyer popularity. That stated, if your house has extra luxurious home equipment and techniques, my prime suggestion is Elite Residence Guarantee for his or her {industry} standard-breaking protection limits.
- I believe all of us perceive the stress of sudden, and typically giant, monetary burdens. When on the lookout for a house guarantee supplier in New Hampshire, make sure you learn pattern contracts and converse with buyer representatives so you understand precisely how the corporate will assist you and your house.
- To determine which house guarantee plan could also be greatest for you and your house, evaluate every plan’s protection and exclusions to the worth of your house home equipment and techniques. It will make sure you aren’t met with shock duty for probably expensive repairs and replacements after you’ve bought protection.
My Skilled Advice
At present’s Home-owner Suggestions
There are various high-quality house guarantee corporations to think about in New Hampshire, however my prime decide after in depth analysis and secret buying is Liberty Residence Guard (LHG).
There are various high-quality house guarantee corporations to think about in New Hampshire, however my prime decide after in depth analysis and secret buying is Liberty Residence Guard (LHG). Liberty is the most effective house guarantee firm for personalisation, as demonstrated by their spectacular listing of 42 add-ons and a number of service price choices so that you can select from, permitting you probably the most freedom to customise your month-to-month premium of any firm on my listing. I really like that their add-ons listing consists of house upkeep choices like carpet and gutter cleansing and energy washing. I really like that LHG presents emergency providers, which might be crucial in case your heating system goes out within the snowy winter.
Elite Residence Guarantee is my second alternative for house guarantee protection in New Hampshire, providing a number of the greatest protection caps I discovered in my analysis (as much as $6,000 for home equipment and as much as $10,000 for techniques). Should you’re a house owner with high-end home equipment, I’d suggest you select Elite Residence Guarantee.
At present’s Home-owner Suggestions
A number of potential house guarantee prospects have heard unfavorable enter about unhelpful buyer reps, however some house guarantee corporations supply reductions only for calling to speak to a rep. Ensure you name when searching for a house guarantee to safe these reductions.
New Hampshire Residence Guarantee Firms I Didn’t Embody
I didn’t embody Cinch Residence Providers on my listing of really helpful New Hampshire house guarantee suppliers due to their restricted protection choices. Whereas Cinch offers protection for common home equipment, techniques, and add-ons, different corporations on my listing, corresponding to Liberty Residence Guard, present many extra customization choices. Some, corresponding to Elite Residence Guarantee, supply larger protection limits as properly.
One other firm I didn’t embody on my listing is Selection Residence Guarantee. Whereas Selection presents inexpensive protection and glorious customization choices, they’ve acquired probably the most complaints in New Hampshire of any house guarantee firm I researched. Selection has acquired 10 complaints with the New Hampshire Division of Justice since 2021 — six greater than the corporate with the second highest variety of complaints of the businesses I researched. Whereas two of the complaints discovered that Selection hadn’t violated the New Hampshire Client Safety Act, it’s nonetheless a troubling variety of complaints to be made to a state company in three years, and due to this, I’m not comfy recommending Selection’s plans in New Hampshire.
Examine The Highest Rated Residence Warranties In New Hampshire
Quote and price information gathered January 2024. Price information are up to date and monitored repeatedly.
Our Opinions of the Greatest Residence Warranties in New Hampshire
Greatest for Customization
Liberty Residence Guard
4.6
Our Score
Restricted Time:
$200 Off + 2 Months free + Free Roof Leak Protection
I recognize Liberty Residence Guard (LHG)’s dedication to customization, providing low month-to-month premiums with 42 add-on choices — supplying you with the potential so as to add protection starting from carpet cleansing and a central vacuum to pro-series home equipment and a casita visitor unit. Liberty is the one firm I discovered that gives add-ons devoted to common house upkeep providers, corresponding to gutter cleansing and energy washing. If you need assist within the common upkeep of your house, or your house has luxurious options like pro-series home equipment, take into account profiting from Liberty’s add-on alternatives. I really like that Liberty has excellent customer support and a very good popularity. The corporate acquired quite a few robust critiques on trusted overview web sites, together with Yelp, the Higher Enterprise Bureau (BBB), Trustpilot, and Google. This offers me confidence that prospects are glad with their service.
Though Liberty’s in depth listing of add-ons permits prospects probably the most custom-made house guarantee plan presently in the marketplace, their add-ons are fairly a bit dearer than the {industry} common, with many costing between $9.99 and $19.99 a month. To check, the fee for all add-ons with Choose Residence Guarantee is between $3.33 and $5.83 a month, whereas lots of Elite Residence Guarantee’s value round $5.99 a month. These add-ons can actually depart you with a a lot larger premium, so maintain that in thoughts when including them to your protection plan.
Liberty Residence Guard presents protection limits capped at $2,000, relying on the plan and the equipment or house system that has damaged down. That is on the backside stage of the {industry} customary, with most house guarantee corporations providing between $2,000 and $3,000 in protection limits, which is disappointing and will actually be a deal-breaker for some. Make sure you learn via a pattern LHG contract to find out particular payout limits for the home equipment and techniques you need coated to make sure you aren’t met with shock monetary burdens later.
Backside Line: 9.3/10
Utilizing At present’s Home-owner’s distinctive rating system, Liberty Residence Guard earned a rating of 9.3 — the best of any house guarantee firm on my listing for a lot of causes, together with their unmatched customization choices. Liberty presents 42 add-ons so that you can reap the benefits of, together with carpet cleansing, pest management, and gutter cleansing.
LHG additionally invitations prospects to request protection for any house home equipment or techniques that the corporate doesn’t presently cowl. They ask that you simply present the make and mannequin of your system or equipment and declare they are going to do their greatest to find out if they will give you that specialty protection. Liberty Residence Guard additionally has useful and efficient customer support, as demonstrated by glorious critiques on-line, a simple quote course of, and an environment friendly claims course of.
I don’t like that Liberty’s service charges aren’t clearly listed when requesting a quote on-line. Most different corporations on my listing, excluding Elite Residence Guarantee solely, embody service price choices within the quote calculator software supplied on their web sites. To seek out the service price choices for Liberty, although, I needed to sift via a pattern contract. Whereas this isn’t a deal-breaker, it diminished my buyer expertise barely.
I additionally want that Liberty Residence Guard supplied larger protection limits. They presently supply protection limits of $2,000, which is under common for the {industry}. That stated, if your house has luxurious home equipment or techniques, I encourage you to decide on Elite Residence Guarantee for his or her above-average protection limits of as much as $6,000 for home equipment and as much as $10,000 for techniques. That stated, neither of those points could be a deal-breaker for me. If your house doesn’t require larger protection caps, Liberty Residence Guard is my prime decide for a house guarantee service supplier in New Hampshire due to their customization choices, inexpensive premiums, and nice customer support.
Plans and Protection: 10/10
Liberty Residence Guard presents three plans: Equipment Guard, which covers main house home equipment, Programs Guard, which covers main house techniques, and Whole Residence Guard, their most complete plan overlaying each house home equipment and techniques. I really like that Liberty presents 42 add-ons, far surpassing the {industry} customary of between six and 9 add-ons. Liberty Residence Guard is the most effective house guarantee firm for customizing your protection, permitting you to personalize your plan to suit your wants and offering the choice for specialty providers corresponding to pest management, distinctive home equipment, and casita visitor house protection. One other distinctive facet of Liberty’s plans is their 60-day workmanship assure, which is double the {industry} customary, supplying you with additional safety in case a contractor doesn’t present optimum high quality work to your house.
I’d go for the Whole Residence Guard plan if selecting to work with Liberty Residence Guard so each my house techniques and home equipment could be coated. That is probably the most fiscally prudent alternative, because it’s solely $10 greater than the essential equipment plan within the quotes I acquired. Whereas I used to be secretly searching for a quote, a customer support consultant supplied me two free months of protection if I opted to pay yearly, saving me between $100 and $120 a yr. I used to be additionally supplied a $250-off coupon through e mail from my assigned customer support consultant, so this supplier stands out as properly for its broad number of out there reductions. So, be certain to take a look at their web site and get on the telephone with a rep to safe your financial savings.
| Plan | Month-to-month Price | Service Charge* | Accessible Reductions |
| Equipment Guard | $44.99 | $65 – $125 | 2 months free |
| Programs Guard | $49.99 | $65 – $125 | 2 months free |
| Whole Residence Guard | $54.99 | $65 – $125 | $250 off when paying yearly plus 2 months free |
*Word: Liberty Residence Guard presents a variety of service charges for patrons to select from. Whereas the quotes I used to be given are primarily based on the $125 service price possibility, when calling to talk with an organization consultant you possibly can go for a service price throughout the allotted vary ($65 to $125). Take into account that when selecting a decrease service price, the price of your month-to-month premium will improve.
Editor’s Word: The fee information talked about on this article was sourced for a single-family, two-bedroom house below 5,000 sq. toes in Newport, New Hampshire. The fee information offered was correct on the time of writing.
Accessible Add-Ons
Liberty Residence Guard has an in depth listing of accessible add-ons — many greater than every other supplier I’ve researched. Listed below are the 42 add-on choices and their month-to-month costs I used to be quoted on the time of writing:
- Outside/Yard
- Pool and Spa ($19.99/month)
- Extra spa ($9.99/month)
- Garden and sprinkler system ($9.99/month)
- Saltwater pool ($23.99/month)
- Generator ($19.99/month)
- Casita visitor unit ($35.99/month)
- Electronics
- Electronics safety ($19.99/month)
- TV mounting (as much as 65-inch TVs) ($14.99/month)
- TV mounting (as much as 85-inch TVs) ($19.99/month)
- Skilled sequence home equipment
- Professional-series fridge ($14.99/month)
- Professional-series stand-alone freezer ($14.99/month)
- Professional-series vary/oven/cooktop ($12.99/month)
- Professional-series dishwasher ($7.99/month)
- Professional-series microwave ($4.99/month)
- Professional-series washer ($4.99/month)
- Professional-series garments dryer ($4.99/month)
- Non-compulsory home equipment
- Central vacuum ($8.99/month)
- Stand-alone freezer ($5.99/month)
- Water softener ($13.99/month)
- Swamp cooler ($14.99/month)
- Second fridge ($7.99/month)
- Trash compactor ($7.49/month)
- Ice maker (in fridge) ($3.99/month)
- Freestanding ice maker ($14.99/month)
- Wine cooler/fridge ($11.99/month)
- Water dispenser water line ($4.99/month)
- Instantaneous sizzling water dispenser ($9.99/month)
- Reverse osmosis water filter system ($14.99/month)
- Residence upkeep
- Restricted roof leak ($11.99/month)
- Re-key ($9.99/month)
- Gutter cleansing ($14.99/month)
- Pest management ($14.99/month)
- Carpet cleansing ($19.99/month)
- Window washing/cleansing ($19.99/month)
- Energy washing (exterior flooring) ($19.99/month)
- Fixtures
- Lights ($7.99/month)
- Plumbing fixtures ($7.99/month)
- Pumps/Pumping
- Sump pump ($8.99/month)
- Nicely pump ($12.99/month)
- Septic system pumping ($12.99/month)
- Ejector pump ($14.99/month)
- Grinder pump ($14.99/month)
- Hottest add-ons for Liberty prospects in New Hampshire
- Stand-alone freezer ($5.99/month)
- Restricted roof leak ($11.99/month)
- Sump pump ($8.99/month)
- Nicely pump ($12.99/month)
- Septic system pumping ($12.99/month)
That is an unimaginable variety of add-on choices. Regardless of their add-ons being dearer than these of opponents, Liberty offers you the choice of assist for normal upkeep of your house and overlaying distinctive house options not usually protected by house warranties, corresponding to pest management, carpet cleansing, and pro-series home equipment. If your house has many of those home equipment and options, otherwise you need assist with common upkeep, I like to recommend wanting into Liberty for its unmatched add-on choices.
Exclusions
Liberty Residence Guard has the next exclusions:
- Fridge
- Ranges/oven/cooktops
- Doorways and door seals
- Sensi-heat burners changed with customary burners
- Air con
- Electrical
- Carbon monoxide alarms and smoke detectors and associated techniques
Whereas researching, I discovered that these are industry-standard exclusions, so they’d not deter me from working with Liberty Residence Guard.
Editor’s Word: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions will not be exhaustive, and extra exclusions could apply.
Affordability: 8.9/10
Liberty Residence Guard presents three month-to-month plans: Equipment Guard ($49.99/month), Programs Guard ($54.99/month), and Whole Residence Guard ($59.99/month). These costs are throughout the common value of house guarantee protection, making Liberty an inexpensive supplier. That stated, your month-to-month premium can turn out to be expensive when selecting add-ons. Liberty’s add-ons are dearer than these of most of their opponents, with the bulk costing between $9.99 and $19.99. Whereas Liberty is without doubt one of the extra inexpensive choices on this listing, it scores an 8.9 as a result of they require a cancellation price to cancel protection, and their add-ons are pricier than the {industry} customary.
Take into account that Liberty Residence Guard presents protection restricted to a $2,000 cap, which is considerably lower than different suppliers like Elite Residence Guarantee, which has protection caps as much as $6,000 for home equipment and $10,000 for techniques. That stated, if in case you have distinctive home equipment, corresponding to something from a pro-series line, or need assist in routine upkeep and don’t thoughts the next month-to-month premium after choosing add-ons, Liberty Residence Guard is a superb alternative for its spectacular customization choices.
Buyer Expertise: 7.8/10
Liberty Residence Guard scored a 7.8 for buyer expertise utilizing the At present’s Home-owner distinctive, customer-centered score system. I like that the supplier presents a easy and straightforward quote course of and a service assure. Liberty maintains a 30-day ready interval for protection to start after contract signature, which is customary amongst house guarantee corporations. That stated, Liberty loses floor as a result of it creates a number of factors of contact throughout and after the quotes and claims processes, which will be time consuming for the shopper as they’re usually requested to repeat info to a number of customer support representatives.
Though Liberty Residence Guard scored above the {industry} common for buyer expertise primarily based on the At present’s Home-owner score system, the corporate scored barely decrease right here as a result of they don’t seem to be as clear with service charges as a few of their opponents. When secret buying, I needed to dig to seek out Liberty’s buried service charges. In distinction, when secret buying with American Residence Defend and First American Residence Guarantee, I used to be simply capable of decide what their service charges could be as they’re included within the quote calculator software these corporations present. With Liberty, I needed to learn via a pattern contract to seek out service charges. That is one thing Liberty may simply add to their very own quote calculator software to enhance their buyer expertise.
Excluding digging for service charges, I discovered the quote course of for Liberty Residence Guard to be easy and straightforward. They supplied me with detailed protection choices that I used to be capable of simply and shortly customise with their quote calculator. Liberty Residence Guard additionally consists of add-ons of their quote calculator extra seamlessly than do their opponents, permitting prospects to see how add-ons will have an effect on their month-to-month premium in actual time and from one display screen.
Firm Fame: 9.1/10
I awarded Liberty Residence Guard the best firm popularity rating of any firm on my listing, once more primarily based on our customer-centered mannequin of analysis and the truth that LHG maintains a excessive common score constantly throughout 1000’s of critiques — issues I haven’t seen from every other house guarantee firm. Liberty has acquired quite a few critiques that reward the corporate for following via with their claims — that is extremely vital to me, and is a big a part of why Liberty Residence Guard is my prime suggestion.
Liberty’s prospects reward the corporate’s service representatives for being educated concerning the {industry} and clear about protection choices, add-ons, and exclusions. Different optimistic critiques spotlight the corporate’s fast turnaround time for declare decision, in addition to good experiences with declare submission. Alternatively, I discovered unfavorable critiques discussing lengthy wait instances for declare decision, shady enterprise practices round service price advantageous print, and inadequate monetary credit score being given on repairs. I’m unsurprised by unfavorable feedback surrounding service price advantageous print, as I share a less-than-stellar expertise figuring out service charges with this firm. That stated, each house guarantee firm has optimistic and unfavorable critiques, however Liberty Residence Guarantee maintains a a lot larger buyer overview score constantly than their opponents. Due to this, the unfavorable critiques wouldn’t deter me from partnering with Liberty to cowl my house.
| Score Web site | Score | Variety of Opinions |
| BBB | NR (Not Rated)* / 4.5 out of 5 stars | 2,502 |
| Trustpilot | 4.7 out of 5 stars | 2,627 |
| 4.7 out of 5 stars | 10,463 | |
| Yelp | 1.4 out of 5 stars | 59 |
Editor’s Word: The scores supplied had been correct on the time of writing.
*Word (as of 4/4/24): The Higher Enterprise Bureau lately shifted LHG’s A+ score to “NR.” We reached out to a consultant from the Higher Enterprise Bureau, and so they informed us, “This enterprise will not be presently rated. BBB has lately acquired quite a few complaints towards this enterprise and can problem a score after it has totally evaluated them.” When requested about whether or not they revoke scores after a rise in complaints, the rep stated, “Sure, in the event that they really feel they should overview the complaints first earlier than issuing an correct score.” This situation has occurred to LHG twice within the final two years, however every time the BBB has restored its A+ score after an intensive overview.
Claims Course of: 10/10
Liberty Residence Guard earned a ten for his or her fast and straightforward claims course of. Liberty guarantees response to claims inside 12 hours, which is common for house guarantee corporations. In addition they promise to dispatch a technician to your house inside 24 to 48 hours of the filed declare, however acknowledge that extenuating circumstances could apply. I really like that Liberty presents emergency providers as properly, which will be very useful and even essential when a pipe bursts or the heating system fails within the winter months. These are some main advantages that the majority corporations don’t supply to the identical extent as LHG or don’t supply in any respect. When researching, I discovered that prospects have repeatedly praised LHG for his or her quick and straightforward claims course of, fast payouts, and high quality of customer support representatives.
Availability: 10/10
One in all two corporations on my listing out there in all 50 states, Liberty Residence Guard proves their skill to function in a variety of areas and proceed to make payouts to their prospects. In addition they supply a 24/7 stay chat characteristic on their web site, which is extremely useful. I used to be capable of simply discover the customer support telephone quantity and e mail from the house web page of their web site as properly, so contacting an agent any time of day or night time is simple.
Greatest Protection Limits
American Residence Defend
4.3
Our Score
Restricted Time:
40% Off Our Most Common Plan
I really like that American Residence Defend (AHS) presents limits as much as $5,000 for house techniques and $4,000 for home equipment, relying on the plan you select. These limits are the second highest (to Elite Residence Guarantee) in New Hampshire and far larger than these of most of their opponents that usually supply between $2,000 and $3,000 for house techniques and home equipment. I additionally love that American creates an exceptionally user-friendly buyer expertise via their web site. Their quote calculator offers the date that protection will begin if a contract had been signed that day, taking transparency to the following stage. Deciding on a house guarantee supplier is already a disturbing course of, and interesting with such a user-friendly web site is a big plus.
I’m uncomfortable with the truth that American Residence Defend has acquired 1000’s of unfavorable critiques throughout respected overview websites like Yelp, the Higher Enterprise Bureau (BBB), and Trustpilot. Most report points with gradual responses to claims, some shady enterprise across the firm honoring promised payouts, and gradual responses to emergencies. The low score averages from quite a few unfavorable critiques left throughout Yelp, BBB, and Trustpilot give me pause about working with American Residence Defend. I’m comforted by the truth that American has a B score with and is accredited by the BBB.
Backside Line: 8.6/10
American Residence Defend’s protection is costlier than that of another corporations on my listing. I’d suggest their most complete plan, nonetheless, which is pricier than comparable plans from opponents. Even so, few can compete with American’s excessive protection limits of as much as $5,000 for house techniques and $4,000 for home equipment. Once more, another corporations on my listing, like Liberty Residence Guard and Choose Residence Guarantee, supply protection limits between $2,000 and $3,000, making this excessive protection restrict an enormous profit in case your home equipment or techniques are dearer.
I loved my secret buying expertise with American Residence Defend, as their web site and quoting processes had been extra user-friendly than these of most different corporations I researched. That stated, I’d solely buy the ShieldPlatinum plan as a result of the opposite two plans they provide will not be as complete as some inexpensive choices from different corporations that present related protection. Should you’re a house owner keen to pay the next month-to-month premium in alternate for larger protection limits and also you don’t want many or distinctive add-ons, the ShieldPlatinum plan stands out as the plan for you.
Plans and Protection: 9/10
AHS presents three tiered plans: ShieldSilver, overlaying 14 main techniques, together with heating and cooling techniques and plumbing techniques; ShieldGold, overlaying ShieldSilver plus 9 home equipment, together with kitchen and laundry home equipment; and ShieldPlatinum, AHS’s most complete plan, together with roof leak safety, a free HVAC tune-up, and safety for code violations, permits, and modifications. ShieldPlatinum is spectacular, because it covers issues usually excluded from house guarantee contracts, corresponding to safety for code violations. One other main good thing about the ShieldPlatinum plan is its free annual HVAC tune-up, as common upkeep might help forestall a breakdown.
American additionally presents ShieldAssurance with its ShieldPlatinum plan, promising safety for older techniques and home equipment, undetectable preexisting circumstances, objects with out upkeep information, and extra. By ShieldAssurance, American additionally guarantees to cowl repairs if a system or equipment was improperly put in or has been beforehand repaired. This isn’t customary follow for house guarantee suppliers, making ShieldAssurance one other main profit to partnering with American Residence Defend.
American Residence Defend presents two service price choices —$100 and $125. Whereas these are larger than different corporations on my listing, I recognize that they current a couple of possibility, permitting prospects additional customization of their month-to-month premiums. I’d personally go for the upper service price to maintain my month-to-month premium decrease with this firm.
| Plan | Month-to-month Price | Service Charge | Accessible Reductions |
| ShieldSilver | $49.99 – $59.99 | $100 – $125 | None supplied |
| ShieldGold | $69.99 – $79.99 | $100 – $125 | $250 off |
| ShieldPlatinum | $99.99 – $109.99 | $100 – $125 | $250 off |
Editor’s Word: The fee information talked about on this article was sourced for a single-family, two-bedroom house below 5,000 sq. toes in Newport, New Hampshire. The fee information offered was correct on the time of writing.
Accessible Add-Ons
These are American Residence Defend’s out there add-ons and their month-to-month prices:
- Electronics safety plan ($14.99/month)
- Visitor unit ($44.99/month)
- Pool and built-in spa tools ($44.99/month)
- Septic pump ($5.00/month)
- Nicely pump ($8.00/month)
I like American’s electronics safety plan add-on, which incorporates protection for a limiteless variety of new and used digital units. The add-on protection excluded units bought second-hand or bought by an organization “as is,” together with laptops, headphones, online game consoles, good house merchandise, and residential theaters. As somebody who makes use of their laptop computer for work, this stage of safety is extremely comforting. Make sure you learn via the phrases of this add-on so that you aren’t stunned by an uncovered breakdown.
Exclusions
Here’s a listing of the exclusions I pulled straight from the pattern contract American Residence Defend offers on their web site:
- Development, carpentry, and restoration prices
- Business use limitation
- Shared objects and techniques
- Inaccessible areas
- Non-standard tools
- Secondary objects and providers
- Beauty injury
- Any characteristic which isn’t a main operate of a coated merchandise
- Improper capability — if merchandise is wrong dimension for the house primarily based on {industry} customary
- Misuse and unintended acts
- Breakdowns, and delayed and/or prevented providers because of pure causes
- Identified pre-existing breakdown
- Flues, chimneys, fireplaces, and exhaust traces
- Energy and gasoline sources together with solar energy techniques
- Breakdowns coated by different insurance coverage and warranties
- Producer or authorities recall
- Hazardous supplies together with mould
- Routine upkeep
- Good house techniques
- Multi-media middle
- Outside kitchens
I discovered American Residence Defend to be extra clear with their exclusions throughout my secret buying than every other firm.
Editor’s Word: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions will not be exhaustive, and extra exclusions could apply.
Affordability: 8.7/10
American Residence Defend is clearly not probably the most inexpensive house guarantee firm in the marketplace in New Hampshire. That stated, their most complete plan, ShieldPlatinum, will not be far more costly on common than comparable plans from opponents. Whereas American presents inexpensive plans with decrease ranges of protection, I don’t suggest these plans as a result of they provide much less protection than related plans from opponents corresponding to AFC Residence Guarantee.
Should you prioritize affordability within the type of a low month-to-month premium, American Residence Defend doubtless received’t be your best choice. Nonetheless, if you would like a house guarantee plan with inexpensive add-ons, corresponding to electronics safety, or you’ve gotten dearer house techniques and home equipment, I like to recommend American for his or her excessive protection limits, even when the protection comes with a barely larger month-to-month premium.
Buyer Expertise: 8.4/10
I gave American Residence Defend a rating of 8.4 for buyer expertise as a result of they provide a 30-day service assure, which is shorter than a few of their opponents, and supply many factors of contact straight from their web site. The corporate has a 30-day ready interval for protection to start, which is customary for the {industry}. I like that American’s web site has all types of communication listed clearly, making it fast and straightforward to make use of a way that fits your wants greatest.
That stated, American Residence Defend has a troubling variety of unfavorable critiques throughout a number of respected overview web sites, together with Yelp, Google, Trustpilot, and the BBB. Many of those unfavorable critiques talk about miscommunication with representatives, together with representatives failing to answer communication makes an attempt and stories that brokers by no means acquired buyer messages. That is one thing that involved me throughout my analysis, as having the ability to talk with your house guarantee firm is essential.
Firm Fame: 7.7/10
American Residence Defend has a less-than-stellar firm popularity. Whereas a rating of seven.7 is low for this class, it’s nonetheless properly above our common popularity rating for house guarantee corporations. American has a B grade from the BBB and a score of 4.7 on Google, however decrease scores on Trustpilot (2.1) and Yelp (1.1).
In my analysis, I discovered that the majority unfavorable critiques deal with delays in contractor appointments, ineffective contractors being despatched, and lack of protection for objects the shopper anticipated to be coated. Personally, I focus extra on complaints reporting service delays, as I’ve discovered that usually complaints surrounding shock bills are because of a lack of awareness of the service contract — so I like to recommend studying via American’s contract totally earlier than signing. Alternatively, most optimistic critiques reward the corporate for its glorious protection and limits.
It’s reassuring to me that the corporate has replied to just about all its unfavorable critiques — many inside 24 hours of the criticism being posted. This offers me confidence that American is open to suggestions and makes fixing buyer points a precedence.
| Score Web site | Score | Variety of Opinions |
| BBB | B / 2.11 out of 5 stars | 11,136 |
| Trustpilot | 2.1 out of 5 stars | 5,270 |
| Yelp | 1.1 out of 5 stars | 1,273 |
| 4.7 out of 5 stars | 33,016 |
Editor’s Word: The scores supplied had been correct on the time of writing.
Claims Course of: 8.4/10
American permits you to submit a service ticket on-line or by calling the 24/7 customer support line. You can even use your on-line portal to trace your house restore historical past and observe up there if wanted, which is one other extremely useful software American offers. American Residence Defend’s 24/7 customer support is a big plus in case you are involved about emergencies.
Availability: 10/10
American Residence Defend is on the market in 49 states, solely excluding Alaska, proving they can function in lots of areas whereas making above-industry-average payouts.
Greatest Worth
Choose Residence Guarantee
4.2
Our Score
Restricted Time:
$150 Off (Code HOUSE25)
An enormous good thing about working with Choose Residence Guarantee (SHW) is that each one their plans include restricted roof safety. Choose’s alternative to supply this profit makes them stand out from their opponents, who usually present roof safety solely as an add-on or with pricier plans. Choose Residence Guarantee presents decrease month-to-month charges than most, which means you aren’t paying extreme quantities for even their most complete plan. By providing inexpensive plans, a simple quote and customer support course of, and high-quality protection choices, Choose Residence Guarantee is my prime decide for the most effective worth house guarantee firm offering service in New Hampshire.
I want that Choose supplied extra add-ons — they presently have solely 9. Whereas their add-ons are customary and inexpensive, different corporations on this listing, corresponding to Liberty Residence Guard, present inexpensive protection with a a lot larger number of add-ons. I additionally dislike that Choose doesn’t present protection for unknown preexisting circumstances. Chances are you’ll be stunned to discover a breakdown uncovered if a technician determines it’s because of a preexisting situation. To guard your self from this potential frustration, I counsel having your family totally inspected earlier than signing a contract with Choose Residence Guarantee.
Backside Line: 8.4/10
Choose Residence Guarantee, providing three plans and a few nice low cost choices, stands out as an inexpensive supplier for budget-conscious New Hampshire owners. Choose offers a decrease protection cap of $3,000 for HVAC techniques than their opponents (some providing as much as $10,000). As a result of an HVAC breakdown might be an enormous monetary burden for your loved ones, I like to recommend researching your present techniques’ values together with frequent breakdowns and their restore prices earlier than partnering with Choose Residence Guarantee.
If I made a decision to work with SHW to guard my house home equipment and techniques, I’d go for their most complete plan, the Platinum Care Plan. This plan prices solely $3 greater than their different two plans and offers far more complete protection.
Choose Residence Guarantee is a good alternative for its general worth, inexpensive month-to-month premiums, and low-cost service price choices. Nonetheless, if your house has higher-end home equipment or you’ve gotten particular wants for add-on protection, I counsel contemplating working with different corporations like Liberty Residence Guard, providing extra complete protection and in depth add-ons, or Elite Residence Guarantee, providing extremely excessive protection limits.
Plans and Protection: 8.3/10
Choose Residence Guarantee presents three plans: an home equipment solely plan, a techniques solely plan, and a complete plan overlaying each home equipment and techniques. As with different corporations on my listing, Choose’s single-care plans, Gold Care and Bronze Care, don’t cowl a lot on their very own. Primarily based on the quotes I obtained on the time of writing, the Platinum Care plan is simply about $3 greater than the only protection plans, including substantial protection for an inexpensive value and making this the SHW plan I’d select. Once I was secret buying, Choose supplied me a $150 coupon, together with two months of free protection if I paid for protection yearly, which is a superb deal should you’re capable of pay up entrance.
| Plan | Month-to-month Price* | Service Charge | Accessible Reductions |
| Gold Care | $44.42 | $75 – $100 | $150 off, 2 months free, free roof protection |
| Bronze Care | $44.42 | $75 – $100 | $150 off, 2 months free, free roof protection |
| Platinum Care | $47.75 | $75 – $100 | $150 off, 2 months free, free roof protection |
*Month-to-month value figures supplied mirror the discounted fee supplied at time of writing. Choose Residence Guarantee has been working this promotion because the starting of this yr.
Editor’s Word: The fee information talked about on this article was sourced for a single-family, two-bedroom house below 5,000 sq. toes in Newport, New Hampshire. The fee information offered was correct on the time of writing.
Accessible Add-Ons
Choose Residence Guarantee has a brief listing of add-ons that embody inexpensive, customary choices:
- Central vacuum ($3.33/month)
- Garden sprinkler system ($5.83/month)
- Pool ($8.33/month)
- Roof leak ($0/month)
- Septic system ($5.83/month)
- Spa ($5.83/month)
- Stand-alone freezer ($3.33/month)
- Sump pump ($3.33/month)
- Nicely pump ($3.33/month)
Exclusions
Listed below are the notable exclusions from protection I discovered:
- Vary hood
- Photo voltaic heating techniques
- Water softeners
- Sizzling tubs
- Clogged pipes
- Sealed techniques
Editor’s Word: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions will not be exhaustive, and extra exclusions could apply.
Affordability: 9.1/10
Choose Residence Guarantee presents complete protection at extra inexpensive month-to-month charges (round $40 monthly) than their opponents, which might cost $80-plus monthly. Some corporations supply cheaper plans, however for a number of extra {dollars} a month you possibly can have far more complete protection with Choose. When calling to talk with a customer support consultant to inquire about service charges, I used to be informed that usually their service charges are $100 however I used to be supplied a reduced service price of $75. It is a nice deal, as different corporations, like American Residence Defend, require service charges between $100 and $125. Make sure you name Choose customer support representatives to safe the most effective reductions in your protection.
Buyer Expertise: 8.1/10
Choose Residence Guarantee has an above-average buyer expertise rating for house guarantee corporations (common rating is 6.7). The method of getting a quote was fast and their quote calculator software was simple to make use of. Choose additionally offers easy-to-follow breakdowns of each plan, instructional content material that can assist you analysis and make selections, and a customer support telephone quantity on each web page of their web site for fast assist if wanted. Their web site is uncluttered, clearly labeled, and far simpler to navigate than a few of their opponents. I used to be not pressured with extreme telephone calls, texts, and e mail follow-ups from Choose Residence Guarantee, giving me confidence they respect prospects’ house in decision-making.
Firm Fame: 8.0/10
Choose Residence Guarantee has a B score from the BBB and blended critiques throughout a number of respected overview web sites. When studying via the feedback, I discovered that the majority optimistic critiques reward buyer representatives for being useful throughout the quote course of, and a few highlighted a quick and painless claims course of. That stated, unfavorable critiques talk about complaints that may concern me when desirous about working with Choose, together with low reimbursement charges, issues surrounding declare success, ignored communication associated to cancellation of plans, and inept technicians. One overview started as a 5-star score and later modified to 1 star as a result of buyer’s unfavorable expertise with declare success. I counsel studying via SHW’s constantly blended critiques should you’re drawn to the corporate for its affordability however involved by its popularity.
| Score Web site | Score | Variety of Opinions |
| BBB | B / 1.38 out of 5 stars | 2.113 |
| Trustpilot | 3.8 out of 5 stars | 4,649 |
| 3.8 out of 5 stars | 19,658 |
Editor’s Word: The scores supplied had been correct on the time of writing.
Claims Course of: 7.6/10
As with different corporations on my listing, the claims course of with Choose Residence Guarantee is easy — you possibly can both submit a declare on-line or over the telephone. Choose will then schedule a technician to go to your house and assess the equipment or system. General, I rated Choose 7.6 as a result of they’ve a median response time of round 48 hours for non-emergency claims, in comparison with Liberty Residence Guard which guarantees a 12-hour response time, and a typical variety of methods to open a declare.
Availability: 10/10
Choose Residence Guarantee is the second firm on my listing that gives protection in all 50 states. General, the corporate has a optimistic buyer satisfaction score all through the nation, which assures owners they will belief Choose to handle them and honor their payout guarantees in any location all through the nation.
Greatest Buyer Scores
Elite Residence Guarantee
4.3
Our Score
Restricted Time:
$150 Off + 1 Month Free
I really like that Elite Residence Guarantee (EHW) presents unimaginable protection limits — as much as $6,000 for home equipment and $10,000 for techniques relying in your chosen stage of protection. Elite additionally stands out for his or her on-line overview scores starting from 4.5 to five stars throughout a number of respected platforms, together with Yelp, Google, the BBB, and Trustpilot. It’s clear that Elite has exceptional buyer satisfaction when evaluating their overview scores to these of opponents, who common nearer to 2-to 3-star overview scores. I additionally love that Elite Residence Guarantee presents a claims concierge, serving as a single level of contact from begin to end throughout the claims course of, and a 90-day workmanship assure, which is longer than that of most different house guarantee corporations.
EHW presents three plans and an extended listing of inexpensive add-ons. It’s a wonderful possibility for owners — particularly these with luxurious home equipment — who need cheap month-to-month premiums with nice protection and unimaginable protection limits. I additionally love that Elite Residence Guarantee is accredited by and has an A+ score with the BBB.
Elite has a number of distinctive traits in addition to excessive protection limits. Whereas their customary service price possibility is $75, the corporate additionally presents the choice for patrons to select their very own service price primarily based on the quantity of their month-to-month premium. As well as, the corporate presents a $0 service name price for as much as 5 claims per 12 month time period for a further value, permitting additional customization of your plan.
Elite’s web site additionally permits customers to customise their webpage view with an accessibility button within the backside left of the display screen, together with presets for accessibility changes, an ADHD-friendly profile and seizure protected profile amongst them. I’ve not seen this on every other house guarantee firm web site, and it’s an unimaginable software that others may take into account including.
I don’t like that EHW doesn’t supply customary emergency providers, particularly since many {industry} suppliers take into account it regular follow. This might be a deal-breaker for New Hampshire owners involved with points like heating system breakdowns throughout the snowy season. Elite states in its service contract “EHW will decide if a service constitutes an emergency and can make cheap efforts to expedite emergency service.” It’s vital to notice that Elite does require larger service charges of $150 for after-hours and weekend service. Rigorously take into account your potential want and concern for emergency providers earlier than selecting to accomplice with this supplier to your house’s safety.
I additionally discovered that Elite doesn’t enable prospects to pay for service month-to-month however slightly requires annual fee up entrance. It’s customary {industry} follow to supply month-to-month fee — annual-only fee might be prohibitive for households. Providing month-to-month fee looks as if a no brainer for corporations wanting to remain aggressive within the house guarantee {industry}.
Backside Line: 8.6/10
Elite Residence Guarantee has a number of the greatest protection limits within the {industry}, offering system payouts as excessive as $10,000 and equipment payouts as excessive as $6,000 in New Hampshire. In comparison with the $2,000 to $3,000 industry-standard cap providing, Elite stands out to me as the most effective, if not the greatest, within the {industry} for protection limits. If your house has high-end or luxurious home equipment, and also you prioritize excessive protection limits to assist the price of repairs or replacements, I extremely suggest profiting from Elite’s above-industry-average protection limits.
Should you worth emergency service protection, although, I don’t suggest partnering with Elite Residence Guarantee, as they don’t promise it. Whereas the corporate presents 24/7 customer support, you possibly can’t simply get emergency providers after hours or on the weekends. As I stated earlier than, this might be a significant deal-breaker for New Hampshire owners, particularly because the state experiences such heavy snowfall. Sooner or later I’d like to see EHW increase their protection to incorporate emergency providers.
Plans and Protection: 10/10
Elite Residence Guarantee presents three plans, together with Elite Programs, Elite Home equipment, and Elite Full — my private favourite, because it’s probably the most complete and prices solely $14 greater than their most cost-effective plan. That is an industry-standard plan setup, however Elite stands out for his or her unmatched protection limits, as they far surpass the common limits for the {industry} of round $2,000 to $3,000. Elite Residence Guarantee presents caps as much as $6,000 for home equipment and $10,000 for techniques in New Hampshire, an excellent restrict I’ve not seen every other house guarantee supplier match.
Whereas secret buying, I used to be supplied a 30-day free trial and $150 off the annual value if I known as to talk with a consultant to schedule protection. I counsel calling Elite to safe the bottom value to your house guarantee protection with the corporate.
| Plan | Month-to-month Price | Service Charge | Accessible Reductions |
| Elite Home equipment | $44.99 | $75 | $150 off plus 1 month free |
| Elite Programs | $49.99 | $75 | $150 off plus 1 month free |
| Elite Full | $59.99 | $75 | $150 off plus 1 month free |
Editor’s Word: The fee information talked about on this article was sourced for a single-family, two-bedroom house below 5,000 sq. toes in Newport, New Hampshire. The fee information offered was correct on the time of writing.
Accessible Add-Ons
Listed below are Elite Residence Guarantee’s out there add-ons and their annual costs:
- HVAC annual upkeep ($299.99/yr)
- Pool and spa tools ($199.99/yr)
- Pool tools ($149.99/yr)
- Freestanding spa tools ($119.99/yr)
- Generator ($99.99/yr)
- Restricted roof leak restore ($99.99/yr)
- Septic system ($129.99/yr)
- Sump pump ($99.99/yr)
- Nicely pump ($99.99/yr)
- Ejector pump ($99.99/yr)
- Grinder pump ($99.99/yr)
- Elevate pump ($99.99/yr)
- Garden sprinkler system ($99.99/yr)
- Service line ($349.99/yr)
- Freestanding freezer ($59.99/yr)
- Central vacuum ($49.99/yr)
- Jetted/sizzling tub ($99.99/yr)
- Wine cooler ($69.99/yr)
- Freestanding ice maker ($59.99/yr)
- Water softener ($99.99/yr)
- Water filtration system ($99.99/yr)
- Attic exhaust fan ($69.99/yr)
- Swamp cooler ($149.99/yr)
- Visitor home ($299.99/yr)
- Premium home equipment ($249.99/yr)
- Premium techniques ($299.99/yr)
- Premium techniques plus ($499.99/yr)
- Premium advantages ($199.99/yr)
- Geothermal heating and cooling system ($299.99/yr)
Elite presents extra add-ons than most suppliers within the {industry} — second solely to Liberty Residence Guard. I like that prospects have the choice to buy further protection for premium home equipment and techniques with the boldness that they’ll be supported by Elite’s excessive protection limits. Should you personal costly home equipment or techniques, together with luxurious home equipment, I extremely suggest Elite Residence Guarantee for his or her above-average caps.
Exclusions
The next are the notable exclusions from Elite Residence Guarantee’s protection that I pulled from their supplied pattern contract:
- Pure disaster-related damages
- Acts of God
- Business-grade home equipment
- Items in a rental property
- Beauty damages
- Lack of upkeep
These service contact exclusions are in keeping with different corporations I’ve researched. Elite is clear about their service charges, per their useful Questions and Solutions tab on their web site, together with disclosing clearly that there are further charges of as much as $150 for servicing professional-grade home equipment and for service calls throughout weekends or after hours. Whereas this is probably not a deal-breaker for you, it’s vital to notice that these charges aren’t customary and even frequent follow amongst many different suppliers.
Editor’s Word: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions will not be exhaustive, and extra exclusions could apply.
Affordability: 8.7/10
Elite Residence Guarantee presents three plans inside industry-standard pricing. I made up my mind that Elite’s add-ons value a median of $15 to $20 a month every. Whereas this appears costly, it’s customary throughout the marketplace for the add-ons they provide, making them an inexpensive possibility for added safety. I really like the added safety their free-month supply offers, which even comes with a reduced service price of $70 and a cancellation interval. That is the one firm I’ve seen give out this supply, and it offers close to risk-free house to find out if Elite would be the greatest match for you and your house wants. Elite Residence Guarantee additionally presents a 60-day money-back assure, giving your additional consolation in case working with the corporate will not be the appropriate match for you and your house.
Buyer Expertise: 7.6/10
My preliminary secret buying experiences with Elite had been barely irritating. Their web site is troublesome to navigate, and their reps contacted me a number of instances a day to substantiate my protection. It was additionally troublesome to seek out add-on pricing, as that info is hidden of their pattern coverage contract a customer support consultant emailed me. Fortunately, most different suppliers clearly disclose add-on costs and embody them of their quote calculator. I’ve discovered experiences with Elite are extra optimistic when calling and talking with a consultant, in order that’s my suggestion. Nonetheless, Elite does make it simple to decide out of receiving communication via a button on the house web page of their web site — a uncommon however welcome characteristic.
Whereas Elite’s buyer expertise rating is decrease as a result of the corporate makes use of many factors of contact throughout the quote course of, the corporate maintains optimistic critiques on-line throughout a number of respected overview platforms, together with Yelp, Trustpilot, BBB, and Google. Constructive critiques reward decrease service charges and optimistic experiences with customer support representatives, each earlier than and after their points had been resolved. In addition they word that working with Elite was a greater expertise than working with different house guarantee suppliers.
Firm Fame: 8.3/10
Elite Residence Guarantee has earned the next firm popularity than different suppliers. That stated, it’s vital to notice that whereas the critiques produce the next score, there are considerably fewer critiques for Elite than different corporations. Regardless of this, as a result of the BBB has rated Elite Residence Guarantee A+, which isn’t primarily based on buyer critiques, I’ve confidence within the firm’s service and follow-through with their prospects.
A number of the optimistic critiques spotlight a seamless claims course of and repair follow-up whereas others reward the eye acquired from customer support representatives all through the method to make sure repairs are full to the house owner’s satisfaction. Some even reward the corporate for not pressuring them throughout the buying stage. However, unfavorable critiques share that communication throughout the gross sales course of felt aggressive. That stated, as a result of Elite has a BBB score of A+ and BBB accreditation, the few unfavorable critiques don’t have an effect on my opinion of the corporate. Elite routinely responds to unfavorable feedback left on a number of platforms, sharing particulars of the state of affairs and discussing the decision. This isn’t a typical follow amongst house guarantee corporations, and makes me assured that Elite Residence Guarantee values buyer enter and desires to work to resolve unfavorable experiences.
| Score Web site | Score | Variety of Opinions |
| BBB | A+ / 4.97 out of 5 stars | 371 |
| Trustpilot | 4.7 out of 5 stars | 64 |
| Yelp | 4.8 out of 5 stars | 4 |
| 4.8 out of 5 stars | 146 |
Editor’s Word: The scores supplied had been correct on the time of writing.
Claims Course of: 6.8/10
Elite Residence Guarantee earned a rating of 6.8, which is under common in comparison with different suppliers on my listing. Whereas the corporate presents a number of methods and fixed availability for patrons to file a declare, they don’t present emergency providers. Though the corporate says they’ll assess emergency conditions on a case-by-case foundation and permit for these providers with the next price, this might depart you with out a heating system throughout the snowy season in New Hampshire, or paying out of pocket to cease a pipe from leaking on the weekend. Clearly, that is lower than ultimate and definitely a deal-breaker for a lot of owners. That stated, Elite has an industry-standard response time for filed claims, promising a response between 24 and 48 hours.
Availability: 10/10
Elite Residence Guarantee is on the market in 47 states, together with New Hampshire. The corporate’s skill to function almost nationwide is a good measure of belief within the firm’s legitimacy and popularity, proving they will function throughout virtually the complete nation whereas sustainably making {industry} standard-breaking payouts to owners.
Greatest for Extra Advantages
AFC Residence Guarantee
4.3
Our Score
Restricted Time:
$200 off + free roof leak protection
I really like AFC Residence Guarantee’s membership advantages, which embody free and discounted charges on house safety, medical advantages, credit score monitoring, insurance coverage, and extra. In my analysis, I haven’t seen these advantages supplied by different house guarantee corporations, so it’s actually one thing to be aware of. I additionally love that the majority critiques posted for AFC throughout a number of respected web sites are optimistic, even if they’ve acquired fewer on-line critiques than their opponents. Like Liberty Residence Guard, AFC Residence Guarantee additionally presents some distinctive add-ons to complement their complete plans to fulfill the precise wants of house owners.
I don’t like that AFC Residence Guarantee presents decrease payouts than their opponents, with some objects solely receiving $150 to $1,000. AFC advertises that a few of their plans embody protection as much as $3,000, nonetheless. Make sure you learn via their pattern coverage to seek out the protection cap for home equipment and techniques you need coated to make sure you aren’t caught off guard with inadequate protection for pricier home equipment in your house.
I additionally don’t like that AFC, like Elite Residence Guarantee, doesn’t supply emergency providers. As I discussed earlier than, many house guarantee corporations take into account offering 24/7/365 service, together with after-hours, weekends, and emergency providers, a typical follow. AFC’s lack of emergency service might be a significant deal-breaker for New Hampshire owners.
Backside Line: 8.5/10
My general expertise with AFC Residence Guarantee was optimistic. I really like that its web site is user-friendly, which permits me to shortly analysis customizable plans with a number of service price choices and simply discover the distinctive membership advantages I haven’t seen supplied by different corporations. When on the lookout for house guarantee protection, this firm could be one in every of my prime selections as a result of I tremendously worth its excessive buyer scores and critiques, B score from the BBB, and plans which might be customizable all the way down to the service price.
One thing to notice is AFC Residence Guarantee’s decrease protection cap, particularly should you personal high-end home equipment. Whereas AFC presents 4 completely different ranges of protection, their most complete possibility will not be out there in all states, like New Jersey. Regardless of that, the corporate has higher buyer critiques, even for decrease protection plans than opponents, protecting it on my listing. My favourite plan supplied by AFC is their Diamond Plan due to its prolonged protection together with electronics, exterior water, and exterior sewer traces.
Plans and Protection: 8.1/10
AFC Residence Guarantee presents 4 tiered plans in New Hampshire, from a easy home equipment plan overlaying 9 main home equipment, all the way in which to their most complete plan which covers home equipment and techniques together with extras which might be unusual within the {industry}. Their most simple plan, the Silver Plan, covers 9 most regularly used home equipment. The Gold plan covers 15 home equipment and techniques, together with electrical techniques, plumbing, and heating techniques. AFC’s Platinum Plan covers 18 home equipment and techniques, together with main house techniques and home equipment, plus comforts like a built-in microwave and fridge ice maker. Their Diamond Plan, my prime suggestion from this firm and an distinctive house guarantee plan, covers all the things included with the Platinum Plan however provides protection for electronics, exterior water, and exterior sewer traces.
AFC Residence Guarantee presents three service price choices: $75, $100, and $125. I choose to maintain a decrease month-to-month premium and go for the next service price, so I selected $125 with AFC. I used to be supplied a $100 coupon for signing up for a one-year contract, which is a superb solution to save on your house guarantee coverage. Make certain to get on the telephone with an AFC consultant to safe the best financial savings when signing up for a house guarantee plan. You’ll usually land higher reductions over the telephone than solely buying on-line for protection.
| Plan | Month-to-month Price | Service Charge | Accessible Reductions |
| Silver Plan | $39.08, $36.75, $34.33 | $75, $100, $125 | $100 off, free roof leak protection |
| Gold Plan | $53.17, $50.83, $48.50 | $75, $100, $125 | $100 off, free roof leak protection |
| Platinum Plan | $57.92, $55.58, $53.17 | $75, $100, $125 | $100 off, free roof leak protection |
| Diamond Plan | $92.50, $90.17, $87.75 | $75, $100, $125 | $100 off, free roof leak protection |
Editor’s Word: The fee information talked about on this desk was sourced for a single-family house, 2 BR, below 5,000 sq. toes, in Newport, New Hampshire. The fee information offered was correct on the time of writing. Your chosen service price will alter your month-to-month premium. AFC Residence Guarantee presents three service price selections of $75, $100, and $125. The month-to-month premiums are mirrored within the chart above in the identical order as its correlating service price.
Accessible Add-Ons
Listed below are the add-ons and their month-to-month costs supplied by AFC Residence Guarantee on the time of writing:
- Central vacuum ($3.33/month)
- Garden sprinkler system ($5.83/month)
- Pool ($8.33/month)
- Roof leak ($0/month)
- Septic system ($5.83/month)
- Spa ($5.83/month)
- Stand alone freezer ($3.33/month)
- Sump pump ($3.33/month)
- Nicely pump ($3.33/month)
Exclusions
These are some noteworthy exclusions I discovered from AFC Residence Guarantee:
- Vary hood
- Photo voltaic heating techniques
- Water softeners
- Sizzling tubs
- Clogged pipes
- Sealed techniques
When studying via AFC’s pattern contract, I discovered that AFC Residence Guarantee doesn’t cowl objects that owners haven’t correctly maintained, reserves the appropriate to find out breakdowns to be from improper upkeep, and requires a previous annual upkeep log from a licensed technician displaying you’ve adopted up with really helpful previous repairs. The pattern contract additionally states that you simply forfeit your HVAC protection if you don’t sustain with the annual upkeep log. Whereas this isn’t an extraordinary coverage, many owners would discover it annoying to have to offer upkeep information for some filed claims. I counsel making a submitting system to maintain observe of all information associated to your property should you determine to work with AFC Residence Guarantee.
Editor’s Word: Whereas this text highlights sure exclusions, it’s crucial for readers to overview their contracts because the talked about exclusions will not be exhaustive, and extra exclusions could apply.
Affordability: 9.1/10
AFC Residence Guarantee presents 4 plan ranges, all of which supply inexpensive and complete protection for his or her value factors. As with American Residence Defend, AFC’s protection construction offers complete protection for each home equipment and techniques at various ranges. This enables prospects with various budgets the power to have complete protection of their house at a extra inexpensive value than they could discover from tiered plans, which solely supply complete protection for each techniques and home equipment of their most costly plans. These inexpensive plans is perhaps good should you aren’t in want of in depth protection and don’t have a excessive funds for house guarantee protection however nonetheless need peace of thoughts that your most important techniques and home equipment are coated within the occasion of a breakdown.
Additionally like different corporations on this listing, AFC presents a number of service price choices: $75, $100, and $125. This lets you customise your month-to-month premium, both by reducing your premium with the next service price, or elevating your premium with a decrease service price. Whereas AFC presents a small listing of add-ons, they’re extremely inexpensive and canopy frequent family home equipment and techniques.
Buyer Expertise: 9.2/10
AFC Residence Guarantee has the best buyer expertise rating of any firm on my listing, and my expertise as a secret shopper with the corporate displays that. Not solely was AFC’s webpage the simplest to make use of of any firm I researched, I may additionally simply see how add-ons affected my month-to-month premium. Their web site is properly organized, simple to navigate, and is interactive in optimistic and useful methods.
I recognize that AFC presents 24/7/365 customer support. Opinions throughout a number of respected platforms additionally spotlight their very own optimistic experiences with customer support, together with the professionalism of AFC’s in-house service restore group — a singular characteristic for house guarantee suppliers. These are some extremely vital points of working with a house guarantee firm that would simply make or break your expertise.
Firm Fame: 8.3/10
Regardless of being accredited by the BBB, AFC Residence Guarantee has fewer whole critiques throughout respected overview web sites than most of their opponents. That stated, AFC often responds to each optimistic and unfavorable critiques. It is a follow I tremendously recognize as a result of it demonstrates a dedication to suggestions, decision, and enchancment.
The corporate has a low score from Yelp critiques, most citing an absence of protection for breakdowns the shopper anticipated to be coated. It is a frequent criticism amongst house guarantee prospects, and since each firm I’ve researched has been given a minimum of one overview discussing this problem, I believe a few of these complaints might be a lack of awareness on the shoppers’ finish earlier than they signed a contract. After studying via the feedback, I’m not overly involved by the low Yelp score. Alternatively, optimistic critiques throughout all suppliers reward fast turnaround instances for contractor task, well mannered customer support, and excessive declare reimbursement percentages.
| Score Web site | Score | Variety of Opinions |
| BBB | B / 2.53 out of 5 stars | 164 |
| Trustpilot | 3 out of 5 stars | 24 |
| 3.7 out of 5 stars | 1,592 | |
| Yelp | 1.9 out of 5 stars | 338 |
Editor’s Word: The scores supplied had been correct on the time of writing.
Claims Course of: 6.8/10
When secret buying, I reached out to a customer support consultant to request a quote and located the corporate’s response time to be common, usually taking them 24 to 48 hours to reply with a quote. That is larger than {industry} customary, particularly in comparison with Liberty Residence Guard’s promise to reply inside 12 hours. AFC’s contract additionally notes that it could take greater than 48 hours to simply accept declare requests past the 48 hour claims processing time, making a complete potential ready interval 4 days for a technician to schedule an appointment with you. Due to these longer response instances, AFC scored considerably decrease on this class than its opponents. AFC Residence Guarantee states on their web site within the techniques protection doc that they’re “not an Emergency Service and shall be closed on Nationally Acknowledged Holidays subsequently leading to delayed Service Request Assignments.”
Availability: 10/10
AFC Residence Membership presents protection in 48 states, excluding California and Hawaii, proving they’re capable of function at constantly optimistic ranges all through many of the nation. The corporate’s robust popularity and talent to sustainability fulfill claims and payouts on a big scale offers peace of thoughts to owners in New Hampshire who wish to accomplice with AFC Residence Guarantee to guard their house home equipment and techniques.
Calculate the Price of New Hampshire Residence Guarantee
Our house guarantee value calculator might help you establish the yearly prices related along with your particular house guarantee plan. Under, enter your estimated month-to-month premium, service name price, and the variety of claims you anticipate having to calculate your yearly house guarantee value.
| Equipment | Common Restore Price | Common Alternative Price |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Followers | $16–$300 | $250–$950 |
| Electrical Vary | $100–$500 | $230–$3,000 |
| Fuel Vary | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Fridge | $40–$350 | $200–$5,000 |
New Hampshire Residence Guarantee Rules
New Hampshire, below statute 415-C, requires that each one prolonged guarantee agreements have to be supplied by a licensed insurance coverage agent. Additional rules and bonding necessities are upheld by the New Hampshire Insurance coverage Division, as said by the New Hampshire Workplace of the Legal professional Normal. Residence guarantee contracts in New Hampshire can function in two methods: as a “contract of insurance coverage” and “non-insurance”. As a contract of insurance coverage, the corporate takes cash from customers and creates a pool, then makes use of that pool of cash to make payouts, within the case of a house guarantee firm. A non-insurance contract implies that no pool of cash is created and used. It is a extra dangerous sort of contract for customers as the first dangers related are the issuing firm will exit of enterprise or be unable to make payouts. Because of this, issuing corporations providing contracts that don’t qualify as “insurance coverage” should present a $50,000 bond with the New Hampshire Insurance coverage Division earlier than any service contracts are supplied to customers.
Editor’s Word: Whereas this text highlights sure rules, it’s very important for readers to do their very own analysis, because the talked about rules will not be exhaustive.
New Hampshire Residence Guarantee Information
New Hampshire house guarantee contracts had been beforehand regulated below statute RSA 407-A. Just lately, RSA 415-C has changed RSA 407-A. The New Hampshire Bulletin, a nonprofit group devoted to protecting residents of New Hampshire knowledgeable, reported 97 complaints to the New Hampshire Insurance coverage Division regarding prolonged guarantee contracts, and that investigations into these complaints recovered almost $30,000 in fraudulent expenses for people.
Make sure you verify the Client Grievance Search software supplied by the New Hampshire Division of Justice, Workplace of the Legal professional Normal, as one solution to decide if any complaints have been lodged towards house guarantee corporations you’re inquisitive about working with.
Regularly Requested Questions
Do You Want a Residence Guarantee in New Hampshire?
From spending time on the Ice Castles to lounging on the seaside or snowboarding, residents of The Granite State wish to prioritize spending time exterior slightly than worrying about house restore. Apart from the effort of discovering technicians and guaranteeing their high quality earlier than they work on your house, it may be troublesome, and even unattainable, to be financially ready always for a significant system or equipment to interrupt down, probably costing you 1000’s of {dollars}. And, with a reported 6% of New Hampshire residents working from house, houses are below extra stress than ever. Should you stay in New Hampshire and need inexpensive assist when your house experiences a breakdown, a house guarantee may assist you to clear up the problems far more shortly and cheaply, permitting you to get again to doing what issues most to you.
How A lot Does a Residence Guarantee Price in New Hampshire?
The common value for a house guarantee in New Hampshire is between $45 a month for much less protection and $70 a month for complete protection, or between $540 and $840 yearly. I got here to this conclusion through the use of the quotes I acquired whereas secret searching for a two-bedroom single-family house in Newport, New Hampshire.
How To Save Cash When Purchasing for Residence Warranties In New Hampshire?
These are a number of methods you possibly can lower your expenses when buying house warranties in New Hampshire:
- Analysis many corporations and their reductions: After all, beginning by asking family and friends for recommendation is all the time a good suggestion. I additionally advise buying with a minimum of three corporations earlier than signing a contract. Make sure you particularly ask about reductions and evaluate suppliers to see the place you will discover the most effective worth to your wants. Don’t be afraid to ask about upcoming promotions as properly.
- Name a customer support consultant: Customer support brokers are educated and useful when searching for a quote. Typically they will even give you additional reductions for a decrease month-to-month premium.
- Select add-ons properly: Add-ons can present glorious protection for objects not generally coated. That stated, I counsel contemplating all elements, together with the price of the merchandise and its repairs or alternative, the worth of the add-on, and the safety {that a} producer’s guarantee may present vs a house guarantee. For instance, I’d take into account including electronics safety to my protection to guard my work laptop computer, because it’s not coated by a producer’s guarantee or insurance coverage plan.
- Customise your service price: Almost the entire corporations on my listing will enable you a alternative of service charges, starting from $65 to $125. To pay a decrease month-to-month premium, go for larger service price selections.
Is a Residence Guarantee Price It for New Hampshire Owners?
A house guarantee is price it for New Hampshire owners if you would like assist throughout a breakdown, stopping you from incurring sudden, and probably giant, monetary burdens. That stated, should you’re comfy paying giant out-of-pocket bills for repairs or replacements, or have home equipment coated by a producer’s guarantee, a house guarantee is probably not price it to you. Do not forget that many suppliers supply a systems-only or appliances-only plan, which can be extra helpful to your house than a complete plan, relying in your protection wants. Take into account that most house warranties cowl regular put on and tear, and might supply equipment protection and techniques protection. This could embody issues out of your ductwork or storage door opener, to dearer points of your house, corresponding to built-in house techniques corresponding to air-con.