Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Richmond Hill can be costly, particularly as your home ages and your appliances and systems need to be updated. A home warranty in Richmond Hill can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Finding the best home warranty on the market can be overwhelming, since there are dozens of companies to decide between. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Richmond Hill for you.
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
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Richmond Hill residents. Liberty has more than 6 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Richmond Hill area.
Read more by visiting our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
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 Richmond Hill residents. Choice has more than 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Richmond Hill area.
Read more by visiting our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 for Richmond Hill residents. Select has more than 11 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Select has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Richmond Hill area.
Read more by visiting our Select Home Warranty Review. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
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
American Home Shield offers the most customizable home warranty for Richmond Hill residents. AHS has more than 26 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it 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 Richmond Hill area.
Read more by visiting our American Home Shield Review. To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Richmond Hill residents. First American has more than 39 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. First American has 2 simple plans, making the selection process and policy coverage easily understandable. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. Plus, it 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Richmond Hill area.
Read more by visiting our First American Home Warranty Review. To get 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Richmond Hill residents. Cinch has more than 44 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Richmond Hill area.
Read more by visiting our Cinch Home Services Review. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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 offers the best home warranty with the quickest service for Richmond Hill residents. HSC has more than 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Richmond Hill area.
Read more by visiting our The Home Service Club Review. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage 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 | $6,988 |
Heating | $4,658 |
Electrical | $699 |
Toilets | $582 |
Washer/Dryer | $932 |
Plumbing | $699 |
Oven | $1,863 |
Fridge | $699 |
A home warranty is a protection plan that assists Richmond Hill homeowners in reducing the expenses of appliance and system repairs. The plans offer financial coverage to swap out or repair appliances and systems that break down due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives security for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who live in older homes or ones with outdated systems. More modern builds with modern fixtures probably don’t need a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are washers, dishwashers, garbage disposals, microwaves, dryers, refrigerators, and more. Covered systems are usually electrical, heating, plumbing, and air conditioning. Many home warranty companies provide add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Richmond Hill homeowners should know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by your policy.
Before agreeing to a home warranty contract, you should know key terms like:
There are several important considerations when choosing a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans provide protection for plumbing, electrical, heating, AC, and appliances. More comprehensive options also include coverage for other items such as well pumps, pools, spas, and roof leaks. Look for companies with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out providers advertising more affordable fees to optimize savings on each repair claim. Certain companies may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation can give you insight into things such as repair timeliness, contractor quality, approval rates, and customer service. Check review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Good ratings and feedback indicate a provider known for great service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Contact potential companies to learn the number of repair specialists they have in Richmond Hill and get an idea of how fast your repairs could be handled in an emergency. More extensive networks improve the chance of getting qualified contractors to quickly service your home.
Some home warranty plans include extras such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These perks can add value beyond just repair coverage. Added bonuses can maximize the usefulness of your home warranty.
Richmond Hill’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the repairs, preventing you from spending unexpected money out of pocket.
A home warranty also saves you time and energy. Instead of spending hours researching and selecting a repair person to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. A home warranty can also have value in other ways. For instance, some policies can be transferred to another owner during a home sale.
There are also some negatives to getting a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty.
Another consideration is that home warranties usually only cover damage from normal wear and tear. They often won’t cover systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty plan costs, on average, around $300 to $600 a year in Richmond Hill. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan protects against normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim should you need a new dryer or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in Richmond Hill.
Homebuyers, landlords, home sellers, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
A home warranty can cover your home’s appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
Typically, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Richmond Hill, where the median home value is $391,635, having the seller pay for the home warranty can be a good asset for your new home.