Best Home Warranty Companies In maryland 2024

Maryland’s weather can be unpredictable, and unexpected home repairs can be stressful. Don’t face them alone! This guide explores the Best Home Warranty Companies in Maryland, helping you find a plan that protects your appliances and systems while saving you money. We’ll compare coverage options, customer service ratings, and value to ensure you make an informed decision.

Our Picks: 5 Best Home Warranty Companies For maryland Residents

After thoroughly evaluating numerous providers, we've pinpointed five top home warranty companies in Maryland. These companies provide reliable coverage, offering homeowners peace of mind and assurance that their homes operate smoothly throughout the year.

Best For Separate Coverage Options

4.9 |

Excellent

$150 Off + 1 Month Free. 30 Day Free Trial!

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

(888) 580-5416

Pros & Cons

Pros

30-day free trial
Freedom to choose preferred technicians
No home inspection needed

Cons

Limited availability in some areas

Plans, Cost & Coverage

Elite Home Warranty has three coverage plans- Elite Appliances, Elite Systems, and Elite Complete. Their monthly pricing can range from $44.99-$59.99 respectively. Elite offers a coverage limit of up to $7,000 for appliances and $8,000 per contract. Here is the total cost breakdown:

Plans	Premium (Monthly)
Elite Appliances	$44.99
Elite Systems	$49.99
Elite Complete	$59.99

Elite Appliances

Basic coverage for eight essential home appliances such as clothes washer, dishwasher, and garbage disposal
Appliances receive protection up to $7,000 for the duration of the contract, ensuring peace of mind in case of malfunctions
Affordable plan for homeowners seeking budget-friendly coverage

Elite Systems

Exhaustive coverage for seven home systems such as HVAC, electrical system, and more
Suitable for homeowners who are looking to protect only systems at flexible rates

Elite Complete

Comprehensive coverage for fifteen major home systems and appliances
It includes everything from Elite Appliances and Elite Systems, offering the maximum coverage
Ideal for homeowners looking for maximum protection against unexpected malfunctions and normal wear and tear

Why We Picked It?

Elite Home Warranty is a popular choice for Maryland homeowners, and it has commendable plans and services. Providing flexible plans and a comprehensive list of add-ons, they ensure homeowners are provided with maximum protection at a competitive price.

Best For Comprehensive Plans

4.1 |

Excellent

1^st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

No transfer fee
24/7 customer service
Free roof leak coverage

Cons

Limited optional add-ons

Plans, Cost & Coverage

Choice Home Warranty plans can range from $46-$55. The annual pricing can be $530 to $627, depending on the optional add-ons. There is an aggregate limit of $3,000 for systems and appliances.

Plans	Monthly	Yearly
Basic Plan	$46.83	$532
Total Plan	$54.75	$627

Basic Plan

Offers protection for fourteen essential home systems and appliances
Covers heating, electrical, plumbing, and kitchen appliances
Ideal for homeowners seeking basic protection for their household appliances and systems

Total Plan

This plan provides broader coverage, protecting a total of eighteen items
Everything from the Basic plan, along with a few additions
Ideal for maximum coverage and protection of your most valuable possession

Why We Picked It?

Choice Home Warranty offers plans that include both systems and appliances. They offer flexible coverage for diverse needs and budgets. Their skilled technicians are well-trained, helping them have a strong reputation in the market.

Best For Workmanship Guarantee

3 |

Good

Monthly Cost

$38 - $66

Service Fee

$100, $125, $150

Response Time

Same day

Pros & Cons

Pros

180-day workmanship guarantee
Free water sensor to detect leaks
Digital dashboard

Cons

Limited optional add-ons

Plans, Cost & Coverage

Cinch Home Services offers three home protection plans- Appliances Plan, Built-in Systems, and Complete Home Plan. While the Appliances and Built-In System plans offer basic coverage, the Complete Home Plan is a combo plan offering comprehensive coverage. The aggregate claims liability for appliances and systems is $10,000.

Find the elaborative price details here:

	Appliances	Built-in Systems	Complete Home
Cost at $150 Service Call Fee	$38.99	$43.99	$54.99
Cost at $125 Service Call Fee	$47.32	$52.32	$63.32
Cost at $100 Service Call Fee	$48.99	$55.99	$66.99

Appliances Plan

Basic coverage for 12 home appliances
Includes appliances such as clothes dryers, clothes washers, cooktops, and more
Cost-effective option for homeowners seeking basic coverage

Built-in Systems Plan

Exhaustive coverage for 16 home systems, such as plumbing and HVAC
Offers protection to home systems at $43.99
Ideal for homeowners seeking elaborative coverage for household systems

Complete Home Plan

Elaborative coverage for 29 major home systems and appliances
Ideal for homeowners seeking exhaustive coverage for major household items

Why We Picked It?

Cinch Home Services is well-suited for individuals seeking satisfactory services, broad coverage, and an easy claim process. The company’s pricing is also competitive, making it a good choice for Maryland residents.

Best For Affordable Coverage

3.8 |

Excellent

$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

Reliable customer service
Free protection against roof leak
Lower service call fee or deductible

Cons

Lower dollar limits for appliances

Plans, Cost & Coverage

Select Home Warranty’s plans (Bronze Care, Gold Care, and Platinum Care) range from $44.42 to $47.75. Select provides a coverage limit of $3,000 for HVAC and $2,000 for appliances and systems. Find the cost and plan breakdown here:

	Bronze Care	Gold Care	Platinum Care
Cost/Month	$44.42	$44.42	$47.75
Cost/Annum	$479.99	$479.99	$524.99

Bronze Plan

Basic coverage for 8 essential home appliances
Protects household appliances such as dishwashers, ovens, washers, dryers, and more
It’s a suitable choice for those prioritizing appliance protection

Gold Plan

Offers coverage for 7 vital home systems such as heating, plumbing, and air conditioner
Tailored for homeowners focused on safeguarding their systems exclusively

Platinum Plan

Elaborative coverage for all major household systems and appliances
Includes everything from Bronze and Gold Plans, along with a few additional items
Ideal for homeowners in search of maximum coverage

Why We Picked It?

Select Home Warranty is well-suited for homeowners on a budget. By providing flexible plans at competitive pricing, Select has become one of the best choices for Maryland homeowners. Their nationwide technician network is another thing that the homeowners appreciate.

Best For Add-ons

4.7 |

Excellent

$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Flexible plans to suit individual needs
24/7 customer service availability
Offers workmanship guarantee of 60 days

Cons

Limited coverage options

Plans, Cost & Coverage

Liberty has three plans: Appliance Guard, Systems Guard, and Total Home Guard. LHS provides a $2,000 coverage limit for all its plans. Find the detailed cost overview in the following table:

	Appliance Guard	Systems Guard	Total Home Guard
Monthly Plan	$49.99/Month	$54.99/Month	$59.99/Month
Annual Plan	$499.99/Annum	$549.99/Annum	$599.99/Annum

Appliance Guard

Essential coverage for nine appliances, with pricing starting at $49.99
Specializes in protecting essential household appliances such as refrigerators, dishwashers, and ovens
Cost-effective plan for homeowners to safeguard appliances

Systems Guard

Comprehensive coverage for six household systems, starting at $54.99 per month
Focuses on essential home systems like HVAC and plumbing
Perfect for homeowners in search of exclusive coverage for systems

Total Home Guard

Covers everything from Appliances Guard and Systems Guard to offer maximum protection
Provides coverage for all 15 essential home appliances and systems mentioned in the previous plans, starting at $59.99
Exhaustive plan by LHG providing homeowners with peace of mind

Why We Picked It?

Liberty Home Guard provides three plans for homeowners to safeguard their appliances and systems because of breakdowns and malfunctions. They offer flexible plan options where homeowners can vary from basic to exhaustive coverage, making it a reliable option for Maryland residents.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Is Home Warranty Plans Beneficial For Maryland Homeowners?

Home warranty plans can bring significant advantages to Maryland homeowners, addressing specific challenges associated with the state's climate and environmental conditions.

Maryland experiences varying humidity levels, with high humidity often increasing stress on HVAC systems.
Incessant rains, particularly during certain seasons, may contribute to rusting and corrosion, impacting outdoor appliances.
Maryland faces the potential threat of floods and hurricanes, particularly along coastal areas.
With humidity levels often exceeding 70%, Maryland residents may encounter issues related to excess moisture.
Excess moisture in dryers and washers is not uncommon in Maryland's climate. Repair costs for such issues can average between $100 and $400.

How Much Does A Maryland Home Warranty Cost?

Here is how much the Maryland home warranty costs:

Average Annual Cost

$300 - $750

Average Monthly Cost

$30 - $60

Average Service Fee (Deductible)

$60 - $125

The cost of a home warranty depends on the following factors:

Home Age & Condition: Older homes in Maryland, especially those built before modern building codes, may have higher warranty costs due to the increased likelihood of repairs.
Coverage Level: Plans with broader coverage for appliances and systems naturally cost more than basic plans. Consider what appliances and systems are essential for your comfort and budget.
Oil Heat: Since many Maryland homes rely on oil heat, ensure your chosen plan covers oil furnaces or boilers. Oil heat coverage may add to the overall cost compared to state plans, which primarily include gas or electric heating.
Seasonal Considerations: Harsh Maryland winters can strain heating systems. Plans with faster response times for heating repairs during peak season may be more expensive.
Location: Home warranty costs can vary slightly depending on your location in Maryland. Areas with a higher cost of living may see slightly higher warranty prices.
Deductible: The deductible is the out-of-pocket amount before the warranty kicks in. Choosing a higher deductible can lower your monthly premium, but remember the initial cost you'll shoulder for repairs.
Add-on Coverage: Some plans offer optional coverage for specific items like pools, septic systems, or well pumps. These add-ons will increase your overall monthly cost.
Geographical Location: Maryland's diverse regions, from the Baltimore-Washington metropolitan area's urban hustle to the Eastern Shore's serene landscapes, can impact average home warranty costs.

Home Warranty Coverage In Maryland

Here are the common inclusions and exclusions in a home warranty:

General Coverage Of Texas Home Warranty

HVAC Systems Maryland’s climate necessitates coverage for Heating, Ventilation, and Air Conditioning (HVAC) systems.
Plumbing Systems Protection against common plumbing issues such as leaks, clogs, and water heater malfunctions is crucial for Maryland homes.
Electrical Systems Home warranty plans extend coverage to repairs for wiring, outlets, and circuit breakers, ensuring safety and functionality.
Major Appliances Maryland households, known for their love of home-cooked meals and entertaining guests, benefit from comprehensive coverage for major appliances such as refrigerators, dishwashers, and ovens.

Common Exclusions

Pre-Existing Conditions Issues in your home’s systems or appliances before obtaining the warranty may not be covered.
Cosmetic Issues Repairs solely for aesthetic purposes are generally not covered.
Maintenance Neglect Breakdowns due to insufficient maintenance may not be covered, emphasizing the importance of regular upkeep.
Specific Exclusions Maryland homeowners should carefully review plan details to understand any specific exclusions listed by the company, as these may vary.

Here Are Some Additional Points To Consider

Coverage Caps Home warranty plans may limit the amount they cover for repairs or replacements.
Service Call Fees Some companies charge a fixed fee for each service call, while others may have variable fees.
Network Limitations Technicians within the warranty provider’s network may be unavailable in all areas, especially rural locations. Maryland homeowners should assess the accessibility of service providers within their region.

Who Regulates Home Warranty Companies In Maryland?

The agencies mentioned below protect the interest of home warranty customers in Maryland:

Maryland Office of the Commissioner of Labor and Industry (OCLI) While OCLI doesn't regulate home warranty companies, it licenses home improvement contractors. Since some warranty companies may utilize licensed contractors for repairs, ensuring the company works with licensed professionals offers some level of oversight. You can find a directory of licensed contractors on the OCLI website.
Maryland Attorney General's Office This office provides resources and information for Maryland consumers, including guidance on choosing a home warranty company. It can't regulate companies directly, but it can take action against companies engaging in deceptive or unfair business practices.

Final Words

Maryland's charm comes with unique homeownership needs. We've analyzed the top home warranty providers to help you find the best fit for your appliances, systems, and budget. Consider coverage options, customer service ratings, and value as you explore your choices. With the right warranty, you'll have peace of mind knowing your Maryland home is protected from unexpected repair costs, allowing you to focus on enjoying all it has to offer.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Maryland?

In Maryland, common appliance repairs often revolve around challenges with heating systems, particularly during colder months. Furnace issues, such as ignition problems or thermostat malfunctions, are frequently reported. Refrigerator repairs commonly address temperature inconsistencies influenced by varying indoor heating needs.

When May A Home Warranty Be Purchased?

A home warranty can typically be purchased at any time, but it is most commonly acquired during buying or selling a home. Homebuyers may choose to include a home warranty in their purchase agreement, and sellers often offer it to attract buyers.

However, homeowners can also purchase a home warranty at any point during their ownership. Some providers may have specific waiting periods before coverage becomes effective, so homeowners should review the terms and conditions of the warranty contract carefully.

How To Get A Home Warranty To Replace A Water Heater In Maryland?

To initiate a home warranty claim for a water heater replacement, first review your contract to confirm coverage. Then, contact your home warranty provider to report the issue and follow their claim procedures. Provide details about the water heater problem and any required documentation. Once your claim is approved, the provider will arrange for a service technician to assess the situation.

When Is A Home Warranty Worth It?

From a customer’s perspective, a home warranty is worth it when seeking budget predictability and peace of mind. It offers financial protection against unforeseen repair or replacement expenses for vital home systems and appliances. This is particularly valuable for homeowners who want to manage costs effectively and avoid unexpected financial burdens related to home maintenance.