Home Warranty Companies in Connecticut
2026 State Guide
Our data lists 14 of the 15 companies we track as serving Connecticut. AFC Home Club ranks first among them at 8.2 out of 10. Connecticut has warmed about 3.5 degrees F since the early 1900s, and heat wave intensity is projected to increase while cold wave intensity decreases.
Companies Available
14
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
Both
heat and cool, our reading
Regulator
Connecticut Insurance Department
Home-specific rules
Connecticut State Snapshot
Housing units
1,558,206
Owner-occupied rate
66.5% (US 65.2%)
Median home value
$366,900
Primary HVAC risk
Both heating and cooling (our reading)
Companies listed
14 of 15 tracked
Regulatory body
Connecticut Insurance Department
66.5% of Connecticut homes are owner-occupied, above the 65.2% national rate, and the median owner-occupied home is worth $366,900, 10% higher than the national median of $332,700.
Source: Census Bureau QuickFacts for Connecticut. Census Bureau QuickFacts: housing units are the July 1, 2025 estimate; owner-occupied rate and median value are 2020-2024 American Community Survey 5-year estimates.
In Connecticut's largest city, Bridgeport, 42.8% of homes are owner-occupied and the median owner-occupied home is worth $274,900.
Source: Census Bureau QuickFacts for Bridgeport, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release).
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Climate and Coverage Context
Connecticut's climate puts both heating and cooling under strain, in our reading
Connecticut has warmed about 3.5 degrees F since the early 1900s, and heat wave intensity is projected to increase while cold wave intensity decreases. Annual precipitation swings widely from year to year, with a slight long-term increase since 1895, and extreme events are projected to become more frequent and intense. Sea level along the Connecticut coast has risen 10 to 12 inches per century, faster than the global rate.
Both systems get real use here, so look for a plan that covers heating and cooling and compare its cap with your own replacement quote.
Source: NOAA NCEI State Climate Summary for Connecticut (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Connecticut estimate. 14 of 15 tracked companies serve Connecticut in our data; "Likely" and "Check" rows are not verified for Connecticut.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | CT |
|---|---|---|---|---|---|---|
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Yes |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Yes |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Likely |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Yes |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Yes |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Yes |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Yes |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Connecticut
Highest overall score among companies that serve Connecticut, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Connecticut
Our data lists Old Republic Home Protection as not serving Connecticut. It serves about 25 states per our research.
How Connecticut Regulates Home Warranties
Regulator
Connecticut Insurance Department
Legal framework
Home warranty contracts under Conn. Gen. Stat. 38a-320
Connecticut covers home warranty contracts under Conn. Gen. Stat. 38a-320, which defines agreements to repair or replace structural components of dwellings of four or fewer units. The Insurance Department has said they fall under that section rather than the extended warranty law. The Attorney General has cautioned consumers about potentially deceptive home warranty advertising. We did not confirm current licensing rules.
Type of rules: Home-specific rules. A law or program that names home warranties, home service contracts or residential service contracts.
Partly confirmed. The summary says which points we could not confirm. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Connecticut Insurance Department: bulletin on extended warranty and home warranty filings (PDF)
- Connecticut Attorney General: caution against potentially deceptive home warranty advertisements
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Connecticut Homeowners
Check the company's registration or license
Our sources show rules in Connecticut that name home warranties, home service contracts or residential contracts. Ask the Connecticut Insurance Department whether the company you are considering is registered or licensed before you pay.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Confirm coverage for your address
Our data lists every company that is not known to be excluded as serving Connecticut, but availability can differ by address. Confirm at quote.
Filing a Complaint in Connecticut
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Connecticut's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Connecticut Department of Consumer Protection: file a complaint
The Department suggests contacting the business first. It does not act as legal representation for individuals, has limited authority over customer service, breach of contract or workmanship, and refers insurance complaints to the Insurance Department.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Connecticut
Which home warranty companies serve Connecticut?
What is the best home warranty company in Connecticut?
Which home warranty plan has the highest HVAC coverage in Connecticut?
How much does a home warranty cost in Connecticut?
How does Connecticut's climate affect which plan to buy?
Where do I file a home warranty complaint in Connecticut?
How are home warranties regulated in Connecticut?
Neighboring States
Compare All Connecticut-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Connecticut, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.