Written By David Cusick
Last Updated February 2024
Garden City offers homeowners some beautiful housing options. However, unplanned repair and replacement costs on your home’s systems and appliances can get quite expensive. A home warranty can bring you the peace of mind you need and safeguard your savings account from large expenses by covering your home’s major systems and appliances.
Finding the right protection for your home can be challenging, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Garden City. Read on for our home warranty recommendations.
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
In Garden City, Liberty Home Guard offers the most trustworthy home warranty. Liberty offers 3 plans for homeowners to choose from. When you purchase a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Garden City homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000 at the maximum.
Read more by visiting our comprehensive review of Liberty Home Guard. To receive 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
In Garden City, Choice Home Warranty offers the best overall home warranty. Choice offers 2 plans for homeowners to choose from. When you purchase a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Garden City homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000 at the maximum.
Read more by visiting our comprehensive review of Choice Home Warranty. To receive 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
In Garden City, Select Home Warranty offers the most cost-effective home warranty. Select offers 3 plans for homeowners to choose from. When you purchase a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Garden City homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000 at the maximum.
Read more by visiting our comprehensive review of Select Home Warranty. To receive 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
In Garden City, American Home Shield offers the most customizable home warranty. AHS offers 3 plans for homeowners to choose from. When you purchase a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Garden City homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500 at the maximum.
Read more by visiting our comprehensive review of American Home Shield. To receive 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
In Garden City, First American Home Warranty offers the best home warranty for appliance coverage. First American offers 2 plans for homeowners to choose from. When you purchase a plan 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.
First American Home Warranty offers 2 plans for Garden City homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally about $1,500 at the maximum.
Read more by visiting our comprehensive review of First American Home Warranty. 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 Garden City, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch offers 3 plans for homeowners to choose from. When you purchase a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Garden City homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally about $1,000-$2,000 at the maximum.
Read more by visiting our comprehensive review of Cinch Home Services. To receive 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
In Garden City, The Home Service Club offers the best home warranty with the quickest service. HSC offers 2 plans for homeowners to choose from. When you purchase a plan 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 Home Service Club offers 2 plans for Garden City homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally about $2,000 at the maximum.
Read more by visiting our comprehensive review of The Home Service Club. To receive 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 | $6,092 |
Heating | $4,061 |
Electrical | $609 |
Toilets | $508 |
Washer/Dryer | $812 |
Plumbing | $609 |
Oven | $1,624 |
Fridge | $609 |
A home warranty is a protection policy that helps reduce the high costs for Garden City homeowners needing appliance and system repairs. These plans provide financial coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty delivers security for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who live in older homes or ones with aging systems. Newer homes with working appliances probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Covered appliances typically include washers, microwaves, dryers, garbage disposals, refrigerators, dishwashers, and others. Covered systems include plumbing, electrical, air conditioning, and heating. Many home warranty companies also offer additional coverage for locksmiths, septic systems, roof leaks, and central vacuums. Garden City homeowners should know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, natural disasters, pre-existing conditions, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement is covered by your policy.
There are multiple home warranty terms to understand before signing an agreement, including:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty policies differ significantly in terms of coverage. Most plans provide protection for electrical, AC, plumbing, heating, and appliances. More robust plans also offer protection for other items such as pools, well pumps, roof leaks, and spas. Focus on providers with broad coverage options including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a provider with lower service fees to maximize savings on every claim. Some companies also do away with deductibles when customers have a claim-free period.
A home warranty provider's reputation can provide insight into things such as approval rates, repair timeliness, contractor quality, and customer service. Check review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Reach out to potential businesses to ask how many repair professionals they have in Garden City and get an idea of how quickly your repairs could be handled in an emergency. Wider networks increase the likelihood of getting qualified contractors to quickly service your home.
Certain home warranty companies include perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These bonuses can provide extra value beyond repair coverage. Extra perks can enhance your home and help maximize your home warranty.
Since temperatures in Garden City can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks suddenly.
In addition to saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the hassle of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may experience. Another added benefit of having a home warranty plan is that it can increase your home’s property 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 have your home warranty with.
Home warranties also have some downsides. While it can save you time when the home warranty sends out a service technician who takes care of the repair for you, some homeowners may not like this, and they would rather choose their own contractor. If that’s the case for you, some home warranty providers let you choose a contractor.
Another thing to consider is that some providers don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty provider for clarification about this if you need more information or if this is an issue for you.
A home warranty costs, on average, about $300 to $600 a year in Garden City. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different insurance that protects the entire home from natural disasters, which might not be too much of a concern in Garden City. It doesn't cover a typical appliance or system breakage.
A home warranty can help homeowners, real estate agents, investors, homebuyers, and home sellers. It can offer peace of mind to anyone involved in homeownership.
A home warranty will cover your systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Home warranty plans usually offer coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Typically, the homeowner pays for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Garden City is $554,390, a home warranty can be an added asset when buying a home.