Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Homeownership in Chemung comes with lots of positives, but it also comes with its difficulties. Your home’s appliances and systems will inevitably need repairs, and this could mean a huge expense. A home warranty can help protect homeowners by reducing 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 about 6 years. The 3 plans 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, 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. Service fees from Liberty are an affordable $75. The coverage caps are also typically around $3,000.
Read our detailed review of Liberty Home Guard to learn more. 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 Chemung, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty industry for about 15 years. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. 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. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000.
Read our detailed review of Choice Home Warranty to learn more. 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 Chemung, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty industry for about 11 years. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. 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. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000.
Read our detailed review of Select Home Warranty to learn more. 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 Chemung, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for about 26 years. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500.
Read our detailed review of American Home Shield to learn more. 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
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 about 44 years. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000.
Read our detailed review of Cinch Home Services to learn more. 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 Chemung, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty industry for about 15 years. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. 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. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000.
Read our detailed review of The Home Service Club to learn more. 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 | $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 reduce the expenses of appliance and system repairs. The plans provide coverage to repair or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are the most useful for older construction homes with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are dryers, garbage disposals, dishwashers, washers, microwaves, refrigerators, 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, locksmiths, and central vacuums. Chemung homeowners should know that most home warranty plans have 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, pre-existing conditions, cosmetic issues, or improperly using a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
There are several home warranty terms to know before signing an agreement, including:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans provide coverage for plumbing, electrical, heating, AC, and appliances. More inclusive options also offer coverage on other items such as well pumps, spas, roof leaks, and pools. 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. With these per-request costs adding up over time as you file claims, you may want to choose a company with lower service fees to maximize savings. Some companies also remove deductibles when customers have a claim-free period.
A home warranty company's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Check review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about companies. Favorable reviews and ratings suggest a company known for quality service.
Home warranty companies keep networks of local technicians to handle repairs in your area. Contact potential providers to learn how many repair professionals they have in Chemung and get an idea for how fast your repairs could take place in an emergency situation. Wider networks improve the probability of getting qualified contractors to promptly service your home.
Certain home warranty providers offer extras such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These bonuses offer extra value beyond repair coverage. Extra perks can enhance your home and maximize your home warranty.
Home warranty policies are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Chemung reaching an average high of 56℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can significantly decrease out-of-pocket costs should your HVAC system break down.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair problems you may come across. A home warranty can also provide value in other ways. For example, some policies can be transferred between owners during a home sale.
There are also some negatives to purchasing a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered under a manufacturer's warranty.
Another thing to consider is that some providers don’t cover pre-existing damage and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about it if you need more information or if this is a problem for you.
A home warranty in Chemung can cost anywhere from $30 to $60 a month. The higher-priced plans usually have broader coverage, a lower service fee, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some providers will also reduce 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 covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of a situation such as a fire or natural disaster. Under homeowners insurance, you won't be able to file a claim should you need a new dryer or stove, unless the damage is a result of a natural disaster, which isn't that common in Chemung.
First-time homebuyers, homeowners, landlords, home sellers, and real estate agents can all get 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 plan will cover your home’s appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Home warranty plans typically provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may buy a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Chemung is $386,491, a home warranty can be an added asset when buying a home.
