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Last Updated: February 25, 2025
Homeownership in Chemung has many positives, but it also comes with its challenges. Your home’s appliances and systems will inevitably need repairs, and this could mean a huge expense. A home warranty plan can help protect you by lowering the costs of major repairs and replacements on your home’s most important systems and appliances.
The home warranty market is saturated with a variety of providers — all with different plans — so the Today's Homeowner team has done the research to help you choose the best home warranty companies in Chemung.
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 Chemung, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in the home warranty industry for around 6 years. Liberty has 3 simple plans, making the selection process easy. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also 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 has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $75.
For a more detailed breakdown, read 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
In Chemung, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty industry for around 15 years. Choice has 2 simple plans, making the selection process easy. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also 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. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $85.
For a more detailed breakdown, read 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
In Chemung, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty industry for around 11 years. Select has 3 simple plans, making the selection process easy. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $60.
For a more detailed breakdown, read 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
In Chemung, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for around 26 years. AHS has 3 simple plans, making the selection process easy. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read 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
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 Chemung, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for around 44 years. Cinch has 3 simple plans, making the selection process easy. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read 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
In Chemung, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty industry for around 15 years. HSC has 2 simple plans, making the selection process easy. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
For a more detailed breakdown, read 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 | $5,975 |
| Heating | $3,983 |
| Electrical | $597 |
| Toilets | $498 |
| Washer/Dryer | $797 |
| Plumbing | $597 |
| Oven | $1,593 |
| Fridge | $597 |
A home warranty is a protection plan that assists Chemung homeowners lower the expenses of appliance and system repairs. The plans offer coverage to repair or replace appliances and systems that malfunction due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty delivers peace of mind for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who own older homes or ones with aging systems. Newer builds with modern appliances probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are garbage disposals, dishwashers, dryers, washers, refrigerators, microwaves, and more. Covered systems are typically plumbing, air conditioning, electrical, and heating. Many home warranty providers offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Chemung homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans include protection for plumbing, AC, electrical, heating, and appliances. More comprehensive options may also cover additional items such as spas, well pumps, roof leaks, and pools. Look for a company that offers an extensive selection of coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per claim you submit. These per-claim charges can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some firms also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies keep networks of professionals to handle covered repairs. Bigger networks increase the probability of getting qualified technicians to swiftly service your home. Ask potential providers how many contractors they have in Chemung to get a sense of how soon your repairs could be handled in an emergency.
Home warranty companies often offer perks such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These extras can add value beyond repair coverage. Added perks help maximize the usefulness of your home warranty.
Since temperatures in Chemung can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances stops working suddenly.
On top of saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the headache 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 come across. Additionally, having a home warranty can make your house more appealing to potential homebuyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you’ve been receiving.
One disadvantage of buying a home warranty is that there are generally exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it’s important to read over the contracts you’re considering carefully to get a sense of what is included and what isn’t.
Plus, 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 other than normal wear and tear — the home warranty may not cover it.
A home warranty in Chemung can cost between $30 and $60 a month. The higher-priced plans usually have a lower service fee, higher coverage limits, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some companies will also lower your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan helps protect against normal wear and tear to home systems and appliances. Homeowners insurance protects your entire home in case of something such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim if you need a new washing machine or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Chemung.
First-time homebuyers, real estate agents, landlords, homeowners, and home sellers are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty will cover your home’s systems, appliances, 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're concerned about one more than the other.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
In general, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Chemung, where the median value of a home is $386,491, having the seller pay for the home warranty can be a good asset for your new home.
