Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Get the most out of your home warranty with the top home warranty companies in Harlem. Harlem gives homeowners some great living options. However, unanticipated repair and replacement costs on your home's systems and appliances can get quite pricey.
When one of your systems or appliances breaks down, 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. Choosing the best home warranties on the market can be difficult because of the numerous options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide to the top home warranty providers in Harlem.
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 Harlem, Choice Home Warranty offers the best overall home warranty. Choice has been on the market for about 15 years, making it a highly regarded company in the industry. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our Choice Home Warranty full 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 is the most cost-effective home warranty for Harlem residents. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. 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 and policy coverage easily comprehensible.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are around the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our review of Select Home Warranty.
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 is the most customizable home warranty for Harlem residents. When you buy a home warranty 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. The 3 plans that AHS offers include options for appliance and system coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our review of American Home Shield.
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 Harlem. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. When you buy 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
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
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 for Harlem residents. Liberty has been on the market for about 6 years, making it a well-regarded company in the industry. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the plan for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
Liberty Home Guard offers 3 plans for Harlem homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Harlem area.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our review of Liberty Home Guard to learn more.
Appliance Guard
Systems Guard
Total Home Guard
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 is the home warranty with the best workmanship guarantee for Harlem residents. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. 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 Home Services offers 3 plans for Harlem 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. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Harlem area.
To read more, visit our detailed review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
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 | $6,035 |
| Heating | $4,024 |
| Electrical | $604 |
| Toilets | $503 |
| Washer/Dryer | $805 |
| Plumbing | $604 |
| Oven | $1,609 |
| Fridge | $604 |
A home warranty is a service contract that cuts back on the cost of repairs when one of your home systems or appliances breaks down. 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 purchasing a home warranty, the coverage will start on your home systems and appliances.
When one of your systems or appliances experiences an issue, you file a claim with your service provider. You can do so in an online portal or by calling customer support, and then a contractor will come and fix the problem.
Once you file the claim, it will be assigned to a local repair person that will come to your home and take a look at the problem. At this point, you pay the service fee. Service fees generally range in price from around $60 to $150 and this is the only out-of-pocket fee you will have to pay unless the repair cost is higher than your home warranty's coverage limit.
Home warranty plans help protect your home systems and appliances. A home warranty can cover repair and replacement-related costs that are due to normal wear. Common appliances covered under a home warranty plan include a microwave, dryer, garbage disposal, washer, refrigerator, dishwasher, and more. The systems that are usually covered will be air conditioning, plumbing, heating, and electrical systems.
Add-on options can vary from one plan to another but often include things such as a plumbing stoppages, sprinkler system, second refrigerator, septic system, and central vacuum.
Harlem homeowners should be aware that a home warranty will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like natural disasters, pre-existing conditions, misuse of a system or appliance, 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 issue will be covered by the policy.
Temperatures in Harlem can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Harlem, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
Not only does a home warranty provide some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a repair person and schedule a repair. A home warranty takes care of the research by sending trusted professionals to your door when you need them most.
As for the negatives of home warranties, system and appliance coverage varies by provider, so it's important to review what each policy covers and excludes in the contract.
Another stipulation is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won't cover systems or appliances that have been damaged due to natural disasters, improper maintenance, animal infestations, etc.
Once you're ready to purchase a home warranty policy, the first step is figuring out what items you want coverage for. After that, you can compare your options and call different home warranty providers to get a free quote. Plans can vary, so consider the following factors when deciding on a home warranty provider:
The best overall home warranty in Harlem is Choice Home Warranty, but the best company for you will vary based on factors such as what appliances and systems you need coverage for.
A home warranty is a contract that covers the repairs and replacements of your major home system components and appliances.
Home warranty policies cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different insurance that protects your entire home from natural disasters, which can sometimes be a concern in Harlem. It doesn't cover a typical appliance or system repairs.
A home warranty can help real estate agents, homebuyers, home sellers, investors, and homeowners. It can offer peace of mind to anyone involved with homeownership.
Typically the one who owns the home pays for the home warranty. In some cases, however, the home seller may buy a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Harlem is $134,485, a home warranty can be an added asset when buying a home.
A service fee is an expense that must be paid before a service technician or contractor comes to your home to repair your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty except for the monthly premium/annual cost unless the cost of the repair is more than the coverage cap.
Most home warranty companies have a 30-day waiting period before you can file claims, but some may let you file sooner so make sure you check with the company about this.
