Best Home Warranties in Delaware

We compared 12 companies and chose the top home warranty providers

    • Choice Home Warranty
      3.9(64,754)
    • American Home Shield
      3.9(102,866)
    • Cinch Home Services
      4.0(11,342)

    Top Picks

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    Choice Home Warranty logo
    American Home Shield logo
    Cinch Home Services logo
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      Best Home Warranties in Delaware

      If you live in Delaware and want a home warranty, it’s important to compare your options so you can get the best deal for the right coverage. To help, we compared top home warranty companies on ratings and reviews, price, coverage options, availability and other factors to choose our top picks for Delaware.

      Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

      Our editor’s top picks

      1. Quick service: Choice Home Warranty
      2. Value: American Home Shield
      3. Simple claims process: Cinch Home Services
      4. System plans: HomeServe
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      Compare our top 4 home warranty companies in Delaware

      Quick and easy. Find a home warranty partner now.

      4 best home warranty companies in Delaware, reviewed

      Home warranties can help cover the costs of unexpected breakdowns of your major systems and appliances. Our research team has analyzed 26 different home warranty companies to find the best coverage for you. By comparing customer ratings and reviews, coverage limits, prices and available plans, our team chose four companies that offer the best plans for your money.

      Buyer's Choice Award Finalist
      Plans available
      2
      Service fees
      $100
      Starting costs
      $46.83/month

      Choice Home Warranty provides coverage in 49 states (not Washington), including Delaware. It offers 2 plans, with coverage for up to 18 appliances and systems combined.

      Choice Home Warranty customers in Delaware mention prompt and efficient service for various repair issues. They frequently say the technicians are knowledgeable and professional, explaining the problems and providing solutions. Customers also appreciate the ease of the claims process.

      Janice of Bear said Choice has saved her “a lot of money,” including on a rebuilt water tank and two washer repairs. “They also repaired my dryer, my AC, my dishwasher, and my refrigerator. They also replaced my freezer, my microwave and my three fans.”

      She said the $600 she pays annually “always balances out” and that the claims process is easy: “You just log into the website, click on the email to initiate a claim, put down the information, and within 24 hours, you will receive an email or phone call giving you the names and the dates of the appointment from the technician.”

      Some Delaware reviewers mentioned less-than-ideal experiences with salespeople, and some mention being displeased with claim dollar amounts. A few also mention poor response times for emergency situations.

      While Steven of Wilmington was satisfied with the “explanation of coverages,” he also had a minor complaint: “Salesman very pushy after I told him I needed a comfort level before extending the policy more than one year, he continued to push for more. I was prepared to cancel my order. Salesman finally backed off and finalized my order.”

      Buyer's Choice Award Winner
      Plans available
      3
      Service fees
      $100 or $125
      Starting costs
      $29.99/month
      5x Award Winner
      Selected for having one of the highest satisfaction rates for Best Claims Handling, Best Coverage Options, Best Customer Service, Best Technicians and Best Value for Price

      American Home Shield offers 3 home warranty plans: ShieldSilver, ShieldGold and ShieldPlatinum. It’s available in 48 states (not Alaska, Hawaii or New York City), including Delaware. If you opt for combined coverage, up to 18 of your appliances and systems will be covered.

      Overall, Delaware customers have had positive experiences with American Home Shield, appreciating the professionalism and knowledge of the technicians and the value of the coverage. They often say the process of submitting claims is easy and convenient, either through phone or online.

      Brenda from Bear went to AHS for an issue with a leaking toilet: “The tech was professional and very nice. Everything's fine now. I like that I can just get online and do a claim to AHS, or I just call them and do it. ... They replaced my washer. So, it's been very good. They always get back to me timely, and let me know who's coming out. If something happens with somebody coming out, they would assign someone else.”

      Nicole, also from Bear, said about her experience: “The service company came out and did their job. They knew what they had to do. It was very quick. Took payments, and left.”

      Some Delaware customers have experienced long wait times when trying to reach the company by phone, and a few mention waiting weeks for a technician's visit. Others had negative experiences with contractors’ unprofessional behavior.

      Maru from Bear was not pleased when they had to wait on an air conditioner repair for a month: “We are experiencing hazardous weather conditions with temperatures in the upper 90s and AHS simply doesn’t have the capacity or willingness to solve this problem. They subcontract small businesses to provide repair services that don’t show up or are not responsive at all.”

      Buyer's Choice Award Winner
      Plans available
      3
      Service fees
      $100, $125 or $150
      Starting costs
      $30.99/month
      4x Award Winner
      Selected for having one of the highest satisfaction rates for Best Claims Handling, Best Coverage Options, Best Technicians and Best Value for Price

      Cinch Home Services has 3 different plans that cover up to 22 systems and appliances combined. In the event the company has to schedule service at your home for a covered appliance or system, you’ll be charged a service call fee of $100, $125 or $150. It’s available in 48 states, including Delaware.

      Customers have generally positive experiences with Cinch in Delaware. They often mention that they appreciate the ease of submitting claims and the promptness of the technicians.

      Lakia of Dover said about their experience: “I've had Cinch for the four years that I've had my home, and I really love the service. My first year here, surprisingly enough, my HVAC system failed, so we didn't have any air conditioning. I told Cinch what was going on, and they sent out a tech. The tech diagnosed our issue and told us that we needed a replacement.” This cost Lakia $1,000 out of pocket — the total cost would have been $7,000 without coverage.

      Paul of Newark was happy with the claim submission process: “It was just on their website. It was also resolved within a week or two. The techs were great. I like that the policy saved me a lot of money to get the repair done. Also, I like the fact that I didn't have to do any research. I just had to put in a claim. They sent somebody out that was close by. The guy did all the work and had all the parts with him. The time and the cost savings were really a big benefit.”

      Some customers have had issues with contractors not showing up or miscommunication regarding pricing. Other complaints include long wait times for repairs, unlicensed and incompetent contractors and billing issues.

      Mike of Bear didn’t find warranty coverage worth the money: “You'll pay them a bunch of money up front for the privilege of paying _more_ per incident in your deductible than what the service providers actually charge. As a bonus, when a major repair/replacement is required, they'll find a way to charge you for it. It's cheaper to just pay service providers yourself when something needs to be repaired or replaced.”

      Buyer's Choice Award Finalist
      Plans available
      17
      Service fees
      $0
      Starting costs
      $3.99/month

      HomeServe offers 17 plans specialized to your needs, with all kinds of a la carte options. Depending on what type of coverage you choose, you can expect to pay $7.99 to $69.99 monthly or $95.76 to $839.88 annually.

      Many Delaware customers say HomeServe was prompt and helpful in fixing plumbing issues, with multiple technicians coming to evaluate and fix the problem. They also mention that representatives from HomeServe are informative and helpful in addressing coverage details and payment changes.

      Susan of Newark said getting coverage from HomeServe was “one of the best decisions we've ever made.” Within 24 hours of calling the company, she said, “a plumber was dispatched to our home. He was polite, professional, and quickly took care of the clog in our kitchen drain. We were kept informed of the status of our service request every step of the way. Thank you for the prompt and complete response!”

      Similarly, Anne of Wilmington said about her experience: “Called Home Serve for help since my Hot H20 Heater was leaking from the bottom. They took my information and within 10 minutes I had a plumber on his way to fix the problem. They installed the new Hot H20 Heater the next day.”

      Some reviewers from Delaware mention long wait times for reimbursement from HomeServe.

      Christine from Dover said HomeServe didn’t work with any contractors that could service her boiler HVAC. “I have warm water and no heat for 3 weeks. I called daily during week 3 and the last person I spoke to Kristen suggested me to pay for a contractor and receive reimbursement from homeserve. I contacted Horizon Services that came out made repair the next day. I am still waiting for the $680 reimbursement from homeserve.”

      Do you need a home warranty company in Delaware?

      Delaware homeowners experience the benefits and challenges of living in a state with four distinct seasons. The humid Atlantic coastal climate offers milder extremes compared with some neighboring states, but residents still contend with biting cold winters and sweltering summer heat. These seasonal variations can take a toll on your home, making maintenance a constant necessity. Severe storms can strike during any season in Delaware, posing additional risks to your property.

      A comprehensive home warranty is essential to mitigate these challenges. A good home warranty in Delaware should cover potential damage to the roof and address HVAC issues, ensuring your home remains comfortable year-round. It's also vital to have coverage that keeps your furnace running smoothly in the winter and your air conditioning efficient in the summer.

      Most home warranties require regular maintenance of critical systems like heating and air conditioning. However, some plans may offer assistance with seasonal tuneups, helping you prepare your HVAC system in the fall or spring.

      This proactive approach can prevent major issues before they arise, saving you time, stress and money in the long run. Investing in a robust home warranty can provide extra reassurance, knowing your home is protected against Delaware's diverse weather challenges.

      How are home warranties regulated in Delaware?

      Delaware regulates home warranties somewhat indirectly — the state does not have a designated regulatory authority specifically for the home service contract industry. This can make navigating the home warranty landscape a bit challenging for Delaware homeowners.

      However, there are still protections in place. You can file complaints related to home warranties with the Delaware Department of Insurance.

      The Consumer Services Division is responsible for handling these complaints and providing a level of oversight and assistance in resolving disputes. This division acts as a resource for consumers who encounter issues with their home warranty providers, ensuring that concerns are heard and addressed.

      For further information and to understand the specific provisions that might apply, you can refer to the Delaware Administrative Code, Title 6, Section 106. This section outlines the broader regulatory framework for home improvement services and outlines consumer rights and the processes available for filing complaints.

      FAQ

      How much does a home warranty cost?

      The national average cost for a home warranty is $450 to $600 per year as of publishing, but specialty plans with limited coverage are also available for less. How much you’ll end up paying depends on the norm in Delaware and the company and plan you choose. Home warranty companies sometimes offer ways to save, like bundling plans or opting for a higher service call fee.

      Is a home warranty worth it in Delaware?

      A home warranty is worth it to many homeowners for peace of mind, but this depends on your financial situation, the state of your appliances and several other factors. If a repair or replacement for a home system or appliance could break you, it might be worth shelling out the monthly payment for coverage.

      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

      ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

      To choose the top home warranty companies in Delaware, we started with the 26 popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Delaware. We then weighted several key features to get our final rankings:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offered 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 by not paying for coverage you don’t need. We checked to see what customization options each company offered, 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 coverage selected, but we confirmed our top picks’ prices were 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 were in line with industry standards.

      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 Aug. 8, 2024.

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