Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Find the best home warranty that's right for you. Homeownership in Westchester has many benefits, but it also comes with its difficulties. Your home's appliances and systems will eventually need repair, and this could mean a burdensome expense hitting your bank account suddenly.
When one of your systems or appliances malfunctions, a home warranty will help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less overwhelmed by homeownership. Since the home warranty market is saturated with many providers — all with different coverage — our team at Today's Homeowner decided to do the research for you to help you find the right home warranty in Westchester.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty for Westchester residents. Choice has over 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice's plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty Review.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty offers the most cost-effective home warranty in Westchester. Select is a home warranty company with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you'll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000 at the maximum.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our thorough review of Select Home Warranty to learn more.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In Westchester, American Home Shield offers the most customizable home warranty. AHS has been operating for over 26 years, making it a highly regarded company in the industry. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Westchester area.
Read our comprehensive review of American Home Shield to learn more. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service in Westchester. When you purchase a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are comprehensive and have a mix of both system and appliance coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our The Home Service Club Review to learn more.
Standard Coverage Plan
Comprehensive Coverage Plan
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Westchester. Liberty has over 6 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty's service fees are an affordable $75, and the coverage limits come out to around $3,000 per covered appliance or system.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage for Westchester residents. First American offers 2 plans for homeowners to choose from. When you buy a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered appliance or system.
Read more by visiting our First American Home Warranty Review. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Westchester, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. Cinch offers 3 plans for you to decide between.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,813 |
| Heating | $4,542 |
| Electrical | $681 |
| Toilets | $568 |
| Washer/Dryer | $908 |
| Plumbing | $681 |
| Oven | $1,817 |
| Fridge | $681 |
A home warranty is a service contract that makes it more affordable when one of your home systems or appliances has a complication. A home warranty can help homeowners who need to keep a budget in place and don't want to use their savings to pay for large repair or replacement expenses. Typically, about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty company. Most companies have an online portal to help you do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
At this point, you'll also need to pay your service fee. Once the contractor takes a look at the issue, they will deal with it at no cost to you. The only time a Westchester homeowner may have to pay out-of-pocket costs is if the repair or replacement is above the item's coverage cap.
A home warranty in Westchester provides coverage for the main systems and appliances in your home. The appliances covered include a refrigerator, stove, cooktop, dishwasher, clothes dryer, microwave, clothes washer, and more. The systems included are the air conditioning, electrical, heating, plumbing, and others.
You can also optionally choose to pay extra for add-on coverage for items such as roof warranty, septic systems, swimming pools, and spas.
Westchester homeowners should understand that a home warranty plan will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like natural disasters, misuse of a system or appliance, pre-existing conditions, or cosmetic issues. You must keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related problem will be covered by the policy.
Home warranty plans are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Westchester reaching an average high of 82℃F, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can significantly bring down out-of-pocket expenses should your HVAC system break down.
Another added benefit of having home warranty coverage is that it can increase your home's real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
There are also some drawbacks to getting a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Additionally, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
The first step in protecting your home with a home warranty is determining which company's plan fits your needs. Figure out which appliances and systems in your home you want coverage for and compare the policies. Below is a list of some tips on purchasing a home warranty in Westchester:
Our pick for the best overall home warranty company in Westchester is Choice Home Warranty, but the perfect company for you will depend on factors such as what appliances and systems you need to have covered.
The most common kinds of home warranties in Westchester are plans with coverage for either appliances or systems and a combination plan. A combination plan covers your systems and appliances, including your dishwasher, washing machine, and heating and cooling systems. An appliance or systems only plan will cover the systems or appliances listed in the plan.
A home warranty can protect you from expensive repair bills, but only if you purchase a good plan from a trustworthy company. When deciding which home warranty company to purchase a plan from, you should take into consideration things like its customer service and availability in your area. In addition, you should look at the kind of coverage the company offers and what appliances and systems are protected. Homes that have appliances and systems on the older end may need a policy with more coverage.
Home warranties cover the cost of repairs and replacements as long as it is within the coverage limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.
A home warranty in Westchester can cost between $40 and $80 a month. The higher-priced plans typically have more coverage, a lower service fee, and higher coverage limits.
When living in a town like Westchester, you may be wondering if problems like natural disasters are covered under a home warranty. Home warranties usually don't cover damage from intentional breakage, natural disasters, or lack of proper maintenance.
