Best Home Warranty Companies in Delaware (2024)

• Provider Review: American Home Shield Review
• Provider Sample Contract: American Home Shield sample contract directory
• State Availability: 48 (excluding Alaska and Hawaii)
• Monthly Cost: $49–$109

Since 1971, American Home Shield (AHS) has provided home warranty protection to homeowners in Delaware. The home warranty provider offers three plans and provides comprehensive coverage with rare protection, like coverage for items that have undetectable preexisting conditions. American Home Shield also provides monthly premium flexibility, for those who want affordable and customizable coverage.

We consider AHS to be the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. It covers several things other companies don’t, such as rust damage and improper installations.

We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per covered item in the ShieldPlatinum plan.

AHS coverage plans provide extensive coverage; even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.

The ShieldSilver™ plan covers home systems, and the ShieldGold™ adds home appliance protection to the ShieldSilver’s existing coverage. The ShieldPlatinum™ covers all of the ShieldGold plan and increases coverage limits, covers roof leaks, and provides one free HVAC tune-up per contract term.

AHS also offers optional coverage for the following items: Electronic extended warranty, pool and spa, well pump, septic pump, and guest unit up to 750 square feet

AHS allows you to pull a quote by calling a representative or using its online tool. When we used AHS’s quote tool, it allowed us to choose a service call fee of $100 or $125. AHS states that a higher service call fee will result in a lower monthly premium and vice versa. All AHS plans come with a 30-day workmanship guarantee.

While pulling our quote, we discovered that AHS only offers monthly premium options. It doesn’t include an annual premium like other providers on this list.

Here are details on each of American Home Shield’s plans:

• ShieldSilver: Covers home systems, such as heating, cooling, and electrical
• ShieldGold: Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
• ShieldPlatinum: Covers systems and appliances and adds additional benefits, such as $1,500 for roof-leak repairs
• Optional add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps. Based on the quote we pulled, we found that AHS offers competitively priced add-ons. For example, septic pump coverage costs an extra $5 per month.

• Provider Review: Liberty Home Guard review
• Provider Sample Contract: Liberty Home Guard sample contract
• State Availability: 50
• Monthly Cost: $49–$59

Liberty Home Guard (LHG) is our No. 2 pick for Delaware residents due to its 38 unique add-on options, and coverage for working systems and appliances regardless of age. Liberty also offers a 60-day workmanship guarantee on all completed repairs, which is double the industry standard of 30 days.

It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.

Our team spoke with multiple customer representatives to learn how LHG handles customer inquiries. Based on our experiences, it holds up to its stellar ratings, with each representative picking up the phone in under one minute and answering all of our questions thoroughly.

Liberty Home Guard offers three coverage plans: the Appliance Guard, Systems Guard and Total Home Guard. The Appliance Guard covers nine home appliances. The Systems Guard covers six major systems. The Total Home Guard covers all 15 home systems and appliances.

Liberty Home Guard assigns its $65–$125 service call fee to you based on your home’s size, type, and location, as well as your selected plan and add-ons.

Below are the monthly prices for LHG plans. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.

Here are details on LHG’s plans and optional add-on coverage:

• Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
• Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
• Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
• Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, a representative informed us that pest control coverage costs an extra $15 monthly.

We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee (a lower service call fee than many providers) and 27 add-on options.

Monthly cost: $44–$58

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.

We recommend reading through the sample contract or getting a quote for full details on coverage caps. 

Below are the details of Elite’s coverage plans:

• Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit. 
• Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.  
• Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection. 

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.

More details on Elite’s plans and pricing can be found in the table below:

Elite offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term. 

We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:

• Annual maintenance
• Drainage, sewer, and water service lines
• Pool and spa equipment
• Geothermal heating and cooling systems
• Guest house
• Septic system

One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Here’s a summary of his experience:

• He submitted his claim online and received an Elite claims specialist call within 30 minutes. 
• He received a next-day appointment for his repair. 
• The technician arrived on the assigned day but realized the repair would require out-of-stock parts. 
• After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
• The technician completed the repairs within an hour.

Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. If you choose your own repair technician, Elite will pay them for labor at an hourly rate not to exceed the standard hourly rate in your area. You won’t receive any workmanship coverage from Elite if you choose your own technician. However, the local technician should provide their own workmanship guarantee, likely around 30 days.