Written By David Cusick
Last Updated April 2024
York offers homeowners some great housing options. However, unexpected repair and replacement costs on your home’s appliances and systems can get quite expensive. A home warranty can give you the peace of mind you need and guard your bank account from large expenses by covering your home’s major appliances and systems.
The home warranty market is saturated with a variety of providers — all with different offerings — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in York.
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 York, Liberty Home Guard is the most trustworthy home warranty. Liberty has been on the market for around 6 years, making it a respected company in the industry. Liberty offers 3 plans for homeowners to decide between. 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.
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 generally about $3,000 at the maximum.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our Liberty Home Guard full review.
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 York, Choice Home Warranty is the best overall home warranty. Choice has been on the market for around 15 years, making it a respected company in the industry. Choice offers 2 plans for homeowners to decide between. 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.
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 generally about $3,000 at the maximum.
To receive 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
In York, Select Home Warranty is the most cost-effective home warranty. Select has been on the market for around 11 years, making it a respected company in the industry. Select offers 3 plans for homeowners to decide between. 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.
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 generally about $2,000 at the maximum.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our Select Home Warranty full review.
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 York, American Home Shield is the most customizable home warranty. AHS has been on the market for around 26 years, making it a respected company in the industry. AHS offers 3 plans for homeowners to decide between. 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.
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 generally about $2,500 at the maximum.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield full review.
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 York, First American Home Warranty is the best home warranty for appliance coverage. First American has been on the market for around 39 years, making it a respected company in the industry. First American offers 2 plans for homeowners to decide between. First American offers very affordable and comprehensive appliance coverage. Plus, it 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally about $1,500 at the maximum.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our First American Home Warranty full review.
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 York, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been on the market for around 44 years, making it a respected company in the industry. Cinch offers 3 plans for homeowners to decide between. 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.
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 generally about $1,000-$2,000 at the maximum.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services full review.
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 York, The Home Service Club is the best home warranty with the quickest service. HSC has been on the market for around 15 years, making it a respected company in the industry. HSC offers 2 plans for homeowners to decide between. 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.
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 generally about $2,000 at the maximum.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our The Home Service Club full review.
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 | $5,646 |
Heating | $3,764 |
Electrical | $565 |
Toilets | $470 |
Washer/Dryer | $753 |
Plumbing | $565 |
Oven | $1,505 |
Fridge | $565 |
A home warranty is a protection plan that assists York homeowners cut the costs of appliance and system repairs. The plans provide coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent expensive emergency repairs. Home warranties are the most useful for older houses or those with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are garbage disposals, dishwashers, dryers, microwaves, washers, refrigerators, and more. Included systems are usually plumbing, electrical, heating, and air conditioning. Many home warranty companies provide add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. It's important for York homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some key home warranty words to understand before signing a contract:
There are several important factors to consider when selecting a home warranty provider:
Home warranty policies vary widely in what they include. Most plans cover plumbing, heating, electrical, AC, and appliances. More comprehensive options also extend protection to other items such as spas, pools, well pumps, and roof leaks. Look for companies with an array of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s 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 lower service fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. More extensive networks raise the probability of getting skilled contractors to your home quickly. Reach out to possible providers to ask how many technicians they have in York. This helps you understand how long repairs may take in an urgent situation.
Some home warranty providers offer extras such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These add value beyond just repair coverage. Added bonuses help maximize the usefulness of your home warranty.
Home warranties are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in York reaching an average high of 62℃F, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can significantly lower out-of-pocket costs should your HVAC system break down.
In addition to saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the pain of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair problems you may experience. Another good thing about having a home warranty is when you’re selling your home, some providers let you transfer your home warranty policy to the new owners. This can make your house more attractive to potential homebuyers and help your house sell faster.
There are also some downsides to purchasing a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Another possible pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, about $300 to $600 a year in York. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of plan that protects your entire home from natural disasters, which can sometimes be a concern in York. It doesn't cover a typical appliance or system damage.
Homebuyers, homeowners, real estate agents, landlords, and home sellers can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The different home warranties in York include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, including your washing machine, drier, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the contract.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the homeowner is responsible for paying the premium and service fees. However, if you have just bought 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 York, where the median home value is $200,057, having the seller pay for the home warranty can save you some money on your new home.