Best Home Warranties in New Hampshire

How much does a home warranty cost in New Hampshire?

While the national average for a home warranty ranges from $300 to $900 per year as of June 2025, your cost depends on several factors. Your location in New Hampshire, the specific company and plan you choose and the availability of discounts (like for bundling or purchasing multiple years of coverage) all play a role in the final cost.

Most warranty companies offer monthly or annual payment — expect to pay a bit more overall if you pay monthly.

How to choose a home warranty in New Hampshire

When you’re shopping for a home warranty in New Hampshire, think about exactly what you need covered — do you want protection for just appliances, just systems or both? Decide if you need a basic plan or something more comprehensive, then get quotes from a few different companies.

As you compare, pay attention to service call fees (i.e., deductibles), any exclusions that might leave you responsible for a repair and how much you’d pay in monthly or annual fees. You might find that some providers will match another company’s price, especially if you bundle coverage or prepay for multiple years.

Even if your appliance or system is covered, your claim may be denied. Double-check your contract for exclusions and limits to ensure you get the most for your money.

Make sure to check out a sample contract before committing — sometimes these are available online, or you can ask customer service to send you one. In New Hampshire’s cold winters, you’ll especially want to know how they handle furnace or pipe issues, so make sure you’re comfortable with the fine print and get any questions answered upfront.

And don’t forget to read real customer reviews to see how smooth (or painful) the claims process really is. Homeowners usually care most about whether technicians show up when they say they will, if repairs are approved without constant pushback and if the pricing is transparent. If you see a pattern of people praising a provider for quick, reliable HVAC or plumbing repairs, that’s a good sign you’ll be in solid hands if winter or summer breakdowns happen.

How are home warranties regulated in New Hampshire?

In New Hampshire, home warranties are regulated to protect consumers from abusive practices by warranty companies. The New Hampshire Insurance Department (NHID) regulates all of the state's home warranty providers. It controls licensing and requires that companies have a $50,000 bond to pay for claims before they can sell any warranties. This helps prevent fraud and ensures that customers' claims are taken care of.

The NHID requires a license for any home warranty company selling warranties in the state. Companies must prove they are financially stable and can abide by their obligations to get this license by providing a detailed financial statement showing they have enough money to cover claims. This ensures that only legitimate, stable and honest companies can sell home warranties.

In New Hampshire, there are a few regulations regarding what the warranty must contain in order to be validated. The state requires that all home warranty contracts clearly state what is and isn't covered, limitations and the length of the coverage term. New Hampshire also requires the warranty company to provide a form of contact and a method for filing claims.

Additionally, New Hampshire requires companies to provide a minimum cooling-off period of at least ten days. This lets consumers review and cancel the contract without penalty if they have second thoughts. These regulations help prevent abusive practices and ensure service contracts are clear and understandable.