Our team chose American Home Shield as the best home warranty company in New Hampshire due to its comprehensive protections, including coverage for items with existing damage. We also picked Choice Home Warranty for its combination system and appliance coverage priced below $70 per month.
A home warranty can help you manage unexpected repair costs, especially if the state’s harsh winters affect your HVAC system and plumbing over time. With unpredictable weather and aging homes in the region, having a home warranty can offer financial security and protection. We reviewed and scored 13 home warranty companies nationwide and selected the best choices for the Granite State. Read our review to learn more about our top two picks.
Key Takeaways
- We picked American Home Shield as the top New Hampshire home warranty provider.
- A New Hampshire home warranty typically costs $464–$1,004 annually, or $40–$86 per month, depending on your chosen provider and coverage.
- Our 2025 survey of 2,000 home warranty users found that 31% of New Hampshire residents selected coverage specifically to protect their heating or furnace systems.
New Hampshire’s Top 5 Home Warranty Companies
The highest-rated New Hampshire home warranty companies include the following:
- American Home Shield: Best Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- AFC Home Warranty: Best Technician Flexibility
- Liberty Home Guard: Best Customer Support
Comparing the Best Home Warranty Companies in New Hampshire
To identify the top home warranty companies in New Hampshire, we compared providers based on key factors such as Better Business Bureau (BBB) ratings, monthly costs and service fee rates, which you owe for each repair appointment. The table below highlights our top picks based on these criteria.
| Company | Logo | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|---|
American Home ShieldGet Quote |  | B | $36–$100 | $100–$125 | |
Choice Home WarrantyGet Quote |  | B | $60–$68 | $100 | |
Elite Home WarrantyGet Quote |  | B | $45–$60 | $70 ($150 for after hours and weekends) | |
AFC Home WarrantyGet Quote |  | B | $44–$82 | $75–$125 | |
Liberty Home GuardGet Quote |  | NR | $57–$68 | $65–$125 |
Note: We based the pricing information in this table on averaged costs gathered from sample quotes we pulled for single-family homes over and under 5,000 square feet in all 50 U.S. states. Your pricing may vary depending on your home’s location, size, type, and plan selections.
BBB rating accurate as of March 2025. A “No Rating” or “NR” indicates that the BBB has not issued a rating due to an ongoing review or update to a company’s profile.
Reviews of the Best New Hampshire Home Warranties
Read more about our top home warranty providers for New Hampshire.
American Home Shield
American Home Shield (AHS) offers comprehensive major systems and appliance coverage alongside service call fee flexibility. Additionally, AHS covers unique instances other providers typically don’t, such as rust, corrosion, or sediment damage.
Pros and Cons
Pros
- Offers a flexible service call fee model that allows customers to adjust monthly fees for their budget
- Provides coverage for unknown preexisting conditions and items damaged by rust and corrosion
- Sets generous coverage caps (up to $5,000 on built-in systems and $4,000 on appliances with its ShieldPlatinum plan)
Cons
- Doesn’t offer an appliance-only coverage plan
- Offers less coverage flexibility than most providers with only a few add-on options
Plans and Pricing
American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. We looked an American Home Shield sample contract and called a representative to ask about the company’s plans. The representative noted that AHS imposes a $5,000 coverage cap per covered system in its systems-only plan, ShieldSilver. ShieldGold adds coverage for home appliances, which have a $2,000 coverage limit. ShieldPlatinum also combines system and appliance coverage and increases appliance limit to $4,000. Plus, the plan adds roof-leak coverage, up to $1,000 in code upgrades, an HVAC tune-up, and air filter discounts.
AHS allows you to pull a quote by calling a representative or using its online tool. Using AHS’s quote tool 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 on any completed repairs covered by the plan.
While pulling our quote, we discovered that AHS only offers monthly premium options. Unlike other providers on this list, it doesn’t include an annual premium discount.
Here are details on each of American Home Shield’s plans:
- ShieldSilver ($34 per month): Covers 14 systems, including HVAC, electrical, and plumbing
- ShieldGold ($44 per month): Covers 14 systems and nine appliances, including cooktops, laundry appliances, and stoves
- ShieldPlatinum ($117 per month): Includes the ShieldGold coverage, plus roof-leak coverage and a free HVAC tune-up
- Optional add-ons: Up to six options, including electronics, pools/spas, roof leaks, guest units, septic pumps, and well pumps
Our Experience with American Home Shield
Our American Home Shield tester quickly and easily filed a claim for a bathroom and kitchen floor leak using his smartphone. Within minutes, he received confirmation and a call from a contractor who scheduled a flexible appointment. The contractor arrived the next day, completed the repair in two hours, and provided helpful advice on mold prevention. Our tester was satisfied with the service and only paid the service call fee.
Choice Home Warranty
Choice Home Warranty is a good option for budget-conscious homeowners seeking basic coverage. Its comprehensive plans, priced under $70 per month, offer a more affordable option for systema dn appliance coverage compared to competitors like American Home Shield.
Pros and Cons
Pros
- Backs repairs with a 90-day guarantee on parts and 60 days on labor
- Offers $3,000 coverage limits for most items
- Has comprehensive plans for less than $70 per month
Cons
- Currently involved in an ongoing legal case with the Arizona Attorney General
- Excludes air conditioning, refrigerators, and laundry appliances from its lowest-tier plan
Plans and Pricing
Choice Home Warranty offers two plan options: the Basic Plan and the Total Plan, fewer choices than many providers that offer at least three policies. According to the Choice Home Warranty sample contract, most items have a coverage limit of $3,000, which exceeds the industry average of $2,000–$2,300. The Basic Plan excludes coverage for key items like washers, dryers, air conditioning, and refrigerators, which the Total Plan covers.
The company charges a standard $100 service fee for all repairs and does not offer flexibility in service fees. Flexible service call fees typically allow customers to manage costs by choosing a higher fee for lower monthly payments or a lower fee for higher monthly costs.
Below are complete details on Choice Home Warranty’s plans:
- Basic Plan ($59 per month): Covers seven systems and seven appliances, such as electrical, plumbing stoppages, and ductwork
- Total Plan ($67 per month): Covers eight systems and 10 appliances, including air conditioning, clothes washers and dryers, and refrigerators
- Optional add-ons: Up to 10 options, including additional spas, central vacuums, limited rook-leak protection, second refrigerators, and sump pumps
Our Experience with Choice Home Warranty
Our Choice Home Warranty tester filed multiple claims primarily over the phone, which took about five minutes once someone answered. Although the online portal was easy to use, she had to select incorrect options for product issues due a lack of pre-set choices, like filing an oven problem under “burner stove.” After submitting the claim, she would receive an email confirmation within 24 hours, and the company sourced a contractor in the area. Service appointments varied, with some contractors resolving issues quickly, while others needed multiple visits to complete the repair.
Elite Home Warranty
We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three premade plans, a completely customizable plan you can build from scratch, and 30 add-on options.
Pros and Cons
Pros
- Includes a 90-day workmanship guarantee for completed repairs
- Offers higher coverage limits for high-end appliances
- Rolls your service call fee into your annual premium, avoiding a per-claim charge
Cons
- Charges a higher service call fee for high-end appliance repairs
- Excludes workmanship guarantee on repairs done with an out-of-network technician
Plans and Cost
When reading through an 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.
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.
Below are the details of Elite’s coverage plans:
- Elite Appliances: Covers eight essential appliances, including cooktops, clothes washers, and dishwashers
- Elite Systems: Covers eight home systems, such as air conditioning, heating, and electrical systems
- Elite Complete: Combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection
- Optional add-ons: Up to 30 add-ons, including sewer lines, septic systems, freestanding freezes, lawn sprinkler systems, and well pumps
Our Experience with Elite Home Warranty
Our Elite Home Warranty tester filed a claim for a broken high-end dishwasher and received a call from a claims specialist within 30 minutes. He was scheduled for a next-day repair appointment, but the technician discovered the needed parts were out of stock. After the initial visit, the technician returned the following Monday with the required parts and completed the repair within an hour. Our tester was satisfied with the outcome, though the process took a bit longer than expected.
AFC Home Warranty
If you want more flexibility with your technician options, AFC Home Warranty could offer a good fit. It’s one of the few companies we’ve reviewed that lets you choose your technician from the start, allowing you to work with your preferred local professional. Comparatively, most companies will assign you a technician from a pre-approved network.
Pros and Cons
Pros
- Includes no caps for HVAC and water heater coverage
- Lets you choose your own service provider
- Offers a plan-length workmanship guarantee
Cons
- Includes a depreciation policy for items five years or older
- Offers lower electrical and plumbing coverage caps than some competitors
Plans and Pricing
AFC Home Warranty offers four plans: Silver Plan, Gold Plan, Platinum Plan, and Diamond Plan. After reviewing an AFC Home Warranty sample contract, we confirmed the Silver Plan only covers appliances, while the other three plans combine coverage for both systems and appliances. Coverage limits vary, with appliance caps ranging from $150–$3,000 and system coverage caps of $150–$500. However, HVAC and water heaters are not subject to coverage caps. Additionally, all plans include a plan-length workmanship guarantee, which lasts as long as your coverage remains active, offering added peace of mind if a repair fails.
The company offers a $75 or $125 service call fee for repairs, and selecting the higher rate can help lower your monthly costs. You can opt for annual or monthly billing, with plans available for one-year or three-year terms.
Below are more details about AFC Home Warranty’s plans:
- Silver Plan (call for a quote): Covers nine appliances, including cooktops, dishwashers, and stoves
- Gold Plan ($44 per month): Covers nine appliances and six home systems, including air conditioning, heating, and ductwork
- Platinum Plan ($51 per month): Covers 10 appliances and nine home systems, such as built-in microwaves, plumbing stoppages, and faucets
- Diamond Plan ($82 per month): Offers Platinum Plan coverage, and adds coverage for electronics and exterior sewer and water lines
- Optional add-ons: Up to eight options, such as electronics, in-ground pools and spas, roof-leak coverage, septic systems, sump pumps, and well pumps
Our Experience with AFC Home Warranty
Our AFC Home Warranty tester filed a claim for a running toilet that wouldn’t fill and found the online claim process was quick and straightforward, taking only about five minutes. She appreciated the customer service, especially when the company located a contractor in her rural area. Although the first contractor’s repair didn’t resolve the issue, a second contractor fixed it promptly. The entire process took about one-and-a-half weeks, but our tester was satisfied with the resolution and had no out-of-pocket costs for the second repair.
Liberty Home Guard
Liberty Home Guard (LHG) offers three coverage plans, a 60-day workmanship guarantee, and more than 40 add-ons. LHG also provides accessible customer service via its live-chat feature on its website.
Pros and Cons
Pros
- Extends a 60-day workmanship guarantee
- Offers 42 unique optional add-ons, including pest control and gutter cleaning
- Provides two additional months of coverage if you sign up for an annual plan
Cons
- Doesn’t allow plan price or service call fee customization
- Lacks transparency about service call fees during the quote process
Plans and Pricing
Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. We read through a Liberty Home Guard sample contract to get an understanding of what is covered in their plans along with associated service fees. Unlike providers with flexible service call fees, LHG assigns a service call fee to your account based on your plan, add-on selections, and location. According to the representative we spoke with, service fees range from $65–$125.
LHG includes a $2,000 coverage cap on all covered items, except for electrical and plumbing systems, which have lower $500 limits. The company extends a 60-day workmanship guarantee for covered repairs, which is double the industry standard of 30 days.
Here are details on LHG’s plans and optional add-on coverage:
- Appliance Guard ($57 per month): Covers nine appliances, such as built-in microwaves, garbage disposals, and kitchen refrigerators
- Systems Guard ($62 per month): Covers six systems, including HVAC, electrical, and plumbing
- Total Home Guard ($68 per month): Combines Appliance Guard and Systems Guard coverage
- Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage
Our Experience with Liberty Home Guard
We tested the sign-up process for Liberty Home Guard by going through the online quote tool. First, we entered basic home details, including name, contact information, and property specifics, with a map image for confirmation. We then reviewed the available plan options, which included monthly or annual pricing. The tool allowed us to choose from various add-ons, with suggestions tailored to our state’s most popular options. Finally, once the process was complete, we selected the plan length, entered payment details, and received confirmation, including the service call fee.
How Much Does a Home Warranty Cost in New Hampshire?
A New Hampshire home warranty costs between $464 and $1,004 per year or $40–$86 per month, depending on the provider and level of coverage. This is slightly lower than the national average, which ranges from $47–$82 per month or $564–$984 per year.
Several factors influence the final price of a home warranty, including your chosen provider, coverage level, and optional add-ons. Plans that cover your whole home generally cost more than basic coverage for only systems or only appliances. Also, a lower service call fee often results in a higher monthly premium. Your location within New Hampshire and the availability of local contractors can also impact costs.
FAQs About Home Warranties in New Hampshire
What does a New Hampshire home warranty cover?
A New Hampshire home warranty covers major systems and appliances in your home, such as plumbing, electrical, heating, air conditioning, water heaters, refrigerators, dishwashers, washers, and dryers. Home warranty coverage offers financial protection if these items break down due to normal wear and tear, helping homeowners avoid costly repairs or replacements.
Do home warranty plans have coverage caps or maximums?
Yes, most home warranty companies have coverage caps or limits on systems and appliances. A coverage cap is the total amount a provider will pay for repairs or replacements during your plan term. If the repair costs more than an item’s coverage cap, the homeowner owes the rest of the cost. Coverage limits may vary by item or remain the same across all covered items. It’s important to ask about coverage caps before purchasing a plan so that you’re satisfied with the level of coverage.
When does my home warranty coverage start?
Most home warranty companies have waiting periods of 30 days after a customer purchases a plan. However, some companies may start coverage sooner or have exceptions.
Other Resources for New Hampshire Homeowners
Our Rating Methodology
We used a comprehensive rating methodology to assess each home warranty provider. Our approach included talking with company representatives, gathering quotes, reviewing sample contracts, and conducting homeowner surveys and focus groups. We also tested the claims and sign-up process for 11 home warranty companies through secret shopping to get an accurate picture of the customer experience.
Based on the collected data, we scored each provider across six key comparison categories. We then assigned each provider a total score out of 100, which was converted into a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage: This category examined the extent of coverage each provider offered, including standard and special items. Providers offering more coverage and higher annual limits received higher scores, while having long waiting periods and depreciation policies led to score deductions.
- Cost: We evaluated the average monthly pricing and service call fees. Providers with affordable pricing and no extra fees received higher ratings.
- Trustworthiness: We checked customer reviews on BBB, Trustpilot, and other sources to determine the reliability of each provider. High ratings, long workmanship guarantees, and no legal issues earned providers higher scores.
- Plan transparency: We reviewed how clear and transparent the terms, policies, and disclosures were in both contracts and on websites. Providers with clear, easy-to-read contract details scored better.
- Customer support: We looked at the responsiveness and accessibility of customer support, including having multiple ways to file claims and quick response times. Providers with efficient customer service received top scores.
- Flexibility: We gave higher ratings to providers offering a wide selection of plans, add-ons, technician choice, and flexible cancellation policies.
