Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Buying a home is a big step for many people, but maintaining it can get costly over time, especially if your home in Hudson is on the older side. A home warranty in Hudson can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that stop working due to normal wear and tear.
The home warranty market is filled with many providers — all with different price points — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Hudson.
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 in Hudson. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, 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 associated with Liberty’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
For more information on this provider, read our detailed review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 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 in Hudson. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, 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 associated with Choice’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
For more information on this provider, read our detailed review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 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 in Hudson. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, 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 associated with Select’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
For more information on this provider, read our detailed review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or call 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 in Hudson. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, 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 associated with AHS’s plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
For more information on this provider, read our detailed review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Hudson. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, 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 associated with Cinch’s plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information on this provider, read 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
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 in Hudson. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, 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 associated with HSC’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information on this provider, read our detailed review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 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 | $6,655 |
| Heating | $4,436 |
| Electrical | $665 |
| Toilets | $555 |
| Washer/Dryer | $887 |
| Plumbing | $665 |
| Oven | $1,775 |
| Fridge | $665 |
A home warranty is a protection plan that helps cut costs for Hudson homeowners needing appliance and system repairs. These plans provide financial coverage to repair or replace appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty plan gives homeowners peace of mind since it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are garbage disposals, washers, refrigerators, dishwashers, dryers, microwaves, and more. Included systems are normally electrical, air conditioning, plumbing, and heating. Many home warranty companies offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Hudson should understand that most home warranty plans have a 30-day waiting period before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Here are some key home warranty terms to learn before signing a contract:
There are several key considerations when selecting a home warranty provider:
Home warranty policies vary widely in what they include. Most plans cover AC, plumbing, electrical, heating, and appliances. More comprehensive options also include coverage for other items such as well pumps, spas, pools, and roof leaks. Look for companies with a diverse range of coverage options, including upgraded plans. This helps you customize your plan to your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's track record provides insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty providers have networks of professionals to handle covered repairs. Bigger networks improve the likelihood of getting qualified technicians to swiftly service your home. Ask potential providers how many contractors they have in Hudson to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty providers offer extras such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These perks add value beyond just repair coverage. Added bonuses can maximize the usefulness of the home warranty.
Home warranties are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Hudson hitting an average high of 56℃F, you may find that some appliances, like your air conditioner, get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system break down.
A home warranty also can also save you time and energy. Instead of spending hours finding 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. Another benefit of having a home warranty is while selling your home, some providers let you transfer your home warranty policy to the new owners. This can make your home more attractive to potential homebuyers and may help your house sell faster.
One downside of buying a home warranty is that there are usually exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it’s important to read through any contracts you’re considering carefully to understand what is included and what isn’t.
Another stipulation is that home warranties typically only cover malfunctions due to normal wear and tear. They most likely won’t cover home systems or appliances that have stopped working due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty in Hudson can cost anywhere from $30 to $60 a month. The higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some companies will also lower your up-front costs when you agree to 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 covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in case of a situation such as a natural disaster or fire. Under 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 Hudson.
A home warranty policy can help investors, homeowners, real estate agents, homebuyers, and home sellers. It can provide peace of mind to anyone involved with homeownership.
The different home warranties in Hudson include plans that cover either appliances or systems as well as combination plans. A combination plan will cover many of your systems and appliances, such as your washing machine, drier, and heating and cooling systems. An appliance or system plan will cover only the items listed in the plan.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Typically, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Hudson, where the median value of a home is $545,157, having the seller pay for the home warranty can be a good asset for your new home.
