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Best Home Warranties in Delaware

We compared 30 companies and chose the top home warranty providers

    • Best overall
      Regency Total Warranty
      4.1(1,026)
    • Claims handling
      Cinch Home Services
      4.1(12,258)
    • Value
      American Home Shield
      3.7(109,266)
    Author picture
    By: Alina Bradford
    +1 more
    Author picture
    Edited by: Matt Zane

    Best Home Warranties in Delaware

    Regency Total Warranty is the best home warranty company in Delaware, based on verified reviews from local homeowners. Cinch Home Services is a good choice if you want hassle-free claims, and American Home Shield offers basic plans at an affordable price point.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 4,809,248 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    Our 4 home warranty company picks in Delaware

    1. Best overall: Regency Total Warranty
    2. Best claims handling: Cinch Home Services
    3. Best value: American Home Shield
    4. Best for quick service: Choice Home Warranty

    Our research team vetted home warranty companies that are rated by hundreds of customers in Delaware. Read our guide to choose the best home warranty in Delaware for you by comparing plans, contract lengths and service fees.

    Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.

    Compare home warranty companies

    Our 4 Delaware home warranty company picks

    Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Delaware on ConsumerAffairs.

    Best overall

    Regency Total Warranty

    Regency Total Warranty
    4.1
    1,026 reviews
    Plans available
    EssentialGuard and TotalGuard
    Service fees
    $60 to $100
    Starting costs
    $44.99
    Labor guarantee
    Unclear
    Read Reviews

    Regency Total Warranty stands out in Delaware for its easy claims process and responsive customer service. Its two combo plans, EssentialGuard and TotalGuard, provide comprehensive coverage for both systems and appliances. Both plans start at under $50 per month.

    Coverage caps for systems are $5,000 per 12-month period, while coverage for appliances is capped at $2,000 annually. 

    What to consider: Regency is a newcomer to the home warranty industry and has only been in business since 2024.

    Pros
    • Affordable high-tier plan
    • Low service fees
    • Suite of add-on options
    Cons
    • No electronics coverage
    • Some water heater exclusions

    Regency’s two plans offer different degrees of coverage for your home’s systems and appliances. Costs start at $39.99 per month, with a potential savings of $50 per year if you pay annually.

    • EssentialGuard: Covers three home systems and 10 appliances. Starts at $39.99 monthly or $429.99 annually.
    • TotalGuard: Covers five home systems and 14 appliances. Starts at $45.83 per month ($499.99 per year).

    Add-ons and discounts

    • Optional add-ons
      • Pools and spas
      • Well pumps
      • Sump pumps
      • Central vacuums
      • Limited roof leaks
      • Septic systems
      • Second refrigerators
      • Stand-alone freezers
      • Septic tank plumbing
    • Discounts: Seasonal promotions; limited roof leak protection

    Regency customers in Delaware highlight the company’s professional service, quick and reliable repairs and helpful contractors.

    “The contractor was helpful in many ways, and when my washing machine malfunctioned, he was on call with me to get a phone report and then called back with a good time. When he arrived, he was patient and did his job while outlining everything that was done.”
    William New Castle, DE
    “Two years ago, I purchased a warranty, and I have since submitted multiple plumbing service claims. Clear protocols, prompt responses and allocated staff, and outstanding customer service follow-up were all regularly offered by Regency Total Warranty.”
    Violeta Middletown, DE
    “I have now dealt with two different problems with Regency Total Warranty, and I have always found them to be really professional. It only takes a click or a phone call to submit a claim, and Regency Total Warranty handles the rest. The repairs were finished quickly, and both contractors were cordial and competent.”
    John Lewes, DE
    Best claims handling

    Cinch Home Services

    Cinch Home Services
    4.1
    12,258 reviews
    Plans available
    Appliances, Built-in Systems and Complete Home
    Service fees
    $100, $125 or $150
    Starting costs
    $38.99
    Labor guarantee
    180 days
    Get a Quote Read Reviews

    Cinch Home Services is our pick for best claims handling in Delaware, offering a 180-day labor guarantee and prompt contractor dispatch. Its plan options are reasonably priced, and the company’s customer support gets good customer reviews for making the claims experience smooth and reliable.

    What to consider: Cinch doesn’t offer an add-on for roof leak coverage.

    Pros
    • Low starting costs
    • Three service fee options
    • 180-day workmanship guarantee
    • Covers unknown preexisting conditions
    • Quick response times
    Cons
    • Few add-on options

    Cinch Home Services has three plan options: an appliances plan (starting at $38.99, $47.32 or $48.99 per month), a systems plan (starting at $43.99, $52.32 or $55.99 per month) and the Complete Home plan (starting at $54.99, $63.32 or $66.99 per month), which includes the coverage from the other two plans.

    Service call fees are $100, $125 or $150. Choosing a lower deductible increases the plan’s cost. Each plan includes a water sensor to detect leaks.

    Add-ons and discounts

    • Optional add-ons
      • Septic tank and pumping: $4.58
      • Well pump: $12.50
      • Premier upgrade package: $12.50
      • Pool and spa (heater included): $22
    • Discounts: First month free in some cases

    Customers in Delaware describe Cinch as reliable and responsive, with efficient technicians and smooth claim handling, though some note issues with delays.

    “When I submitted a claim with Cinch, the technicians arrived promptly and quickly identified and fixed the leak issue in my home with impressive efficiency. Their service was top-notch, and they didn’t take long at all.”
    James Magnolia, DE
    “They have good customer service and always present themselves well. Whenever you have a question, they’re always there to answer it. Recently, my water heater was leaking. It couldn’t be fixed so it had to be replaced.”
    Sanjia Townsend, DE
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best value

    American Home Shield

    American Home Shield
    3.7
    109,266 reviews
    Plans available
    ShieldSilver, ShieldGold and ShieldPlatinum
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Labor guarantee
    30 days
    Get a Quote Read Reviews

    American Home Shield is our top choice for overall value in Delaware, combining broad coverage with unique features like video chat support for repairs. Its base plans include key home systems, with high payout caps for HVAC systems ($5,000).

    The app makes filing claims quick and easy, and you can avoid paying a service call fee if a repair pro can solve your problem over a video call.

    What to consider: AHS has fewer add-on options than many of its competitors, limiting how much you can customize your plan.

    Pros
    • High HVAC limit, even with base plans
    • Key systems covered in base plans
    • Covers preexisting conditions, rust, corrosion and sediment damage
    • Video chat support
    Cons
    • Relatively high service fees
    • Expensive high-tier plan
    • Limited add-ons

    Base plans from AHS start at $29.99 a month. You can choose a deductible of $100 or $125, but be aware that this affects your monthly cost. All plans have a total limit of $50,000 per agreement term.

    • ShieldSilver ($29.99 or $39.99): covers 14 major systems, including heating, cooling, electrical and plumbing. This plan has a $5,000 limit per covered HVAC system.
    • ShieldGold ($49.99 or $59.99): covers 24 appliances and systems, including kitchen and laundry equipment. It also has a $5,000 limit per covered HVAC system and limits each covered appliance to $2,000.
    • SheldPlatinum ($79.99 or $89.99): is the most comprehensive plan. It has the same HVAC system limit but raises the annual per-appliance limit to $4,000 and includes roof leak coverage up to $1,000.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $4.99
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: AARP and military service; $50 discount for covering multiple properties

    Customers in Delaware say American Home Shield offers convenience, dependable coverage and skilled contractors, while some report issues with slow repairs.

    “The repairs provided have been positive, though I occasionally have to wait a few days for the service provider. Yet when there’s a delay, the service provider often calls to explain the situation.”
    Victoria Smyrna, DE
    “When Eastern Shore came out to work on my AC in the evening, the technician was very polite and communicative, explaining what the issue might be. … The whole process was efficient, and I’ve had no issues since. Overall, I found American Home Shield’s service to be quick and efficient.”
    Kelley Millsboro, DE
    “I’ve been with American Home Shield since around 1996, and my experience with their claims process has been positive. They’ve been prompt with addressing any issues I’ve had. So far, I’ve depended on them, and they’ve come through every time.”
    Maurice Wilmington, DE
    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process
    Best for quick service

    Choice Home Warranty

    Choice Home Warranty
    4.0
    73,431 reviews
    Plans available
    Basic and Total
    Service fees
    $100
    Starting costs
    $46.83
    Labor guarantee
    60 days
    Get a Quote Read Reviews

    Choice Home Warranty was selected for its large network of skilled repair professionals and its commitment to responding to service requests within four hours. This makes it a strong fit for Delaware residents who want reliable and fast support when key systems or appliances break down.

    What to consider: Choice doesn’t offer appliance-only or systems-only plan options, which may be limiting for some homeowners.

    Pros
    • 24/7 customer service
    • 90-day parts guarantee
    • Affordable high-tier plan
    Cons
    • Excludes AC from base plan

    Basic plans start at $49.17 per month, and Total plans start at $57.50 per month. Both have a flat $100 service fee. Contracts last one year — expect to pay a $50 cancellation fee if you cancel early. However, you can transfer the contract with no penalty.

    • Basic: Covers 14 systems and appliances, including heating, electrical and plumbing.
    • Total: Includes everything in the basic plan and covers your washer and dryer, refrigerator and air conditioning system.

    Add-ons and discounts

    • Optional add-ons
      • Ice maker: $2.08
      • Second refrigerator: $3.33
      • Stand-alone freezer: $3.33
      • Sump pump: $3.33
      • Central vacuum: $3.33
      • Septic tank pumping: $5.42
      • Roof leak repair: $5.83
      • Well pump: $8.33
      • Sprinkler system: $8.33
      • Septic system: $10
      • Pool and spa: $15
      • Additional spa: $15
    • Discounts: Reduced premiums with annual payments; free extra month

    Reviewers in Delaware report that Choice offers quick responses and skilled technicians but some point out issues with coverage denials.

    “First Home Solutions arrived within the specified time and called to tell me that he was on the way. He fixed the problem and the a/c is running wonderfully now! I appreciate his promptness and calling to let me know he was on his way.”
    Victoria Newarkd, DE
    “Very friendly and quite knowable, he answered all my questions that I gave him — he knows his stuff.”
    Mary Newark, DE
    “She offered me a great package at a phenomenal price, meaning I will be canceling my current policy. Katelyn was knowledgeable, helpful, polite, and extremely personable. I had a question about a payment, left a message for Katelyn, and she responded immediately!”
    Jesse Smyrna, DE

    Home Warranties in Delaware Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Regency Total Warranty logo
    Cinch Home Services logo
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    Simplify your search

    Compare plans tailored to your home & budget.

      Delaware's mild winters and humid summers create moderate repair demands compared to northern states. The state has many rural areas with older homes as well as coastal properties that face salt air corrosion. We'll help you find coverage that works for Delaware.

      Key insights

      Delaware homeowners should prioritize plumbing protection and plans that don’t exclude corrosion and sediment damage.

      Jump to insight

      Delaware home warranty plans cost $35 to $90 per month on average.

      Jump to insight

      You can add coverage for things like well pumps and sump pumps for an extra cost.

      Jump to insight

      How to choose a home warranty in Delaware

      To choose the best home warranty in Delaware, determine which items in your home need the most protection. Then, compare available plans, review sample contracts and read local reviews to see how each company handles claims and service.

      1. Decide what coverage you need

      Start by evaluating whether you want to cover appliances, home systems or both. For example, if your major systems are newer but your appliances are aging, an appliance-focused plan may be fine. If your appliances are covered by the manufacturer but your HVAC or plumbing is old, consider a systems-only plan. 

      Many Delaware homeowners opt for combination plans to maximize protection for both categories and to increase potential claim payouts. 

      Homeowners in northern Delaware (like Wilmington or Newark) often deal with aging plumbing and heating systems due to older housing, while those in Sussex County should look for sump pump or corrosion coverage due to frequent flooding and salt air exposure..

      2. Compare costs

      Look at the overall value of your policy instead of just the monthly premium. Service fees can add up if you file claims for multiple issues. Also pay attention to coverage caps, since some companies only pay up to a set amount per repair or year.

      Delaware home warranty costs are near the national average with potential premiums for coastal properties due to salt air corrosion and storm exposure. Add-ons, like roof leak or sump pump coverage, can increase your annual costs but may be worth it for the state’s climate.

      3. Review sample contracts

      Most providers offer sample contracts online, allowing you to see exactly what is and isn’t included. Read the fine print to check for exclusions like preexisting damage, improper installation or cosmetic flaws. Watch for waiting periods, claim steps and cancellation policies, and know your parts and labor limits.

      Gwendolyn from Claymont tried to file a claim on her dishwasher soon after signing up for a new warranty, and was surprised when she wasn’t allowed to. She noted she “Was not informed of the 30-day wait policy!! I was forced to pay another vendor to handle the leak.”

      Delaware’s Department of Insurance does not directly regulate home warranty companies but advises consumers to read contracts carefully and understand refund or cancellation policies under Delaware’s consumer protection laws.

      4. Read customer reviews

      Customer reviews give you a real-world look at how a company handles claims, contractor punctuality and billing transparency. Look for Delaware reviews mentioning water and storm damage claims. Coastal customers may report specific corrosion-related issues. 

      Positive reviews typically highlight smooth claims or good communication, while negative ones can point to delays or denied claims.

      » MORE: How to buy a home warranty

      How much does a home warranty cost in Delaware?

      According to ConsumerAffairs home warranty cost data, the typical Delaware home warranty premium falls between $360 and $1,080 per year, with the national average at $684. The actual price depends on your coverage choices, service fee and any selected add-ons.

      Cost range by home warranty provider

      Monthly or annual premiums

      Most warranty companies offer both monthly and annual premium options. Monthly payments let you spread out the cost, while annual payments often come with a discount. The plan and company you select will influence your overall rate.

      Service call fees

      Each claim you file comes with a service call fee, much like a deductible. This typically ranges from $75 to $150 per visit, depending on your provider and plan.

      Add-on coverage

      Many home warranty companies allow you to tailor your plan with extra coverage for items like pools or sump pumps. Expect to pay $2 to $25 per month for each add-on, depending on what you need.

      Many Delaware homeowners add sump pump and well pump coverage, especially in areas like Middletown or Seaford where high water tables and heavy rainfall can cause flooding.

      Other home warranty cost factors

      Home warranty prices reflect a few main factors:

      • Home size and type: Coverage for larger homes will usually cost more than for condos or smaller spaces.
      • Level of coverage: Cheaper warranties generally cover fewer items. Combo plans that include both systems and appliances cost more.
      • Location: Delaware's coastal location and mild climate may affect warranty costs. Coastal properties typically pay more than inland rural properties.
      • Discounts: Many companies offer savings for paying annually or signing up for longer contract terms.

      Example: total annual home warranty costs

      • Systems coverage plan ($46 per month): $552 per year
      • Add-on for sump pump and well pump ($10 per month): $120 per year
      • Three claims ($85 service fee): $255
      • Total: $927 per year

      What does a Delaware home warranty cover?

      Home warranty plans in Delaware usually offer three main types of coverage: appliance-only plans, systems-only plans and combo plans.

      • Appliance plans: Typically include coverage for refrigerators, dishwashers, ovens, built-in microwaves, washers and dryers.
      • Systems plans: Focus on essentials like heating, plumbing, electrical, water heaters and ductwork. This is key in Delaware, where older homes often face system breakdowns.
      • Combo plans: Offer the broadest protection by covering both appliances and home systems

      Many providers let you add optional extras for more protection. In Delaware, consider add-ons for roof leak repair, sump pump coverage and well pump protection in rural areas.

      » MORE: How to maximize the value of your home warranty

      How much can you save with a Delaware home warranty?

      How much you save depends on what breaks and how often. One covered claim can easily pay for a full year of warranty costs. 

      The Consumer Financial Protection Bureau recommends saving 1% to 3% of your home’s value annually for repairs and maintenance — usually more than the $700 to $1,200 you might spend each year on a warranty and a few service fees. If you avoid a major repair bill, you could save thousands.

      Average repair/replacement costs for covered items

      Delaware's spring storms cause basement flooding and sump pump failures, while coastal salt air accelerates corrosion. The state’s older homes often have aging plumbing and electrical systems. Here's what typical repairs cost in Delaware without coverage.

      FAQ

      How does a home warranty work?

      A home warranty is a service contract covering home systems and appliances. You pay a monthly or yearly fee, plus a service call fee each time you request a repair. 

      When something breaks, you file a claim and the warranty company sends a contractor to diagnose and fix it. If the issue can't be repaired, the company usually helps with replacement costs. What’s covered depends on your plan and each contract’s limits.

      Is a home warranty worth it in Delaware?

      Having a home warranty can pay off if you’d rather not risk large repair or replacement bills. Many homeowners in Delaware benefit from the peace of mind, knowing a major system or appliance failure won’t leave them with a big, unexpected expense.

      A home warranty is worthwhile in Delaware if you own an older home, live in a coastal area or have basement moisture concerns. A sump pump failure can exceed $1,500.

      What does a home warranty not cover?

      Most home warranty contracts exclude items with preexisting conditions, cosmetic flaws, improper installation and anything still under manufacturer warranty. Routine maintenance, landscaping and structural issues like walls and windows are also not covered.

      Coverage limits may also apply. For example, your sewer line coverage might top out at $2,500 per year. Should backups require $3,600 in repairs, you're paying $1,100 out of pocket, in addition to the service fee.

      What’s the difference between a home warranty and homeowners insurance?

      Unlike homeowners insurance, a home warranty isn’t a requirement for taking out a mortgage. Home warranties cover various home appliances and systems in the event they break down due to regular use; homeowners insurance, on the other hand, covers your property and belongings if they’re destroyed in an accident (like a fire or bad weather).

      Methodology

      The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Delaware, then evaluated which performed best for local residents.

      We prioritized real customer experiences in Delaware but also considered national reviews. Our review evaluation focused on seven satisfaction drivers:

      • Technician quality
      • Customer service
      • Claims handling
      • Punctuality and speed
      • Coverage
      • Value
      • Refunds and payouts

      In addition to reviews, we compared the companies on:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks are in line with industry standards.
      • Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.
      Guide sources

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:

      1. Delaware Department of Insurance, “Consumer Services Division: Information & Services”. Accessed Nov. 10, 2024.

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