Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
With a variety of seasons in Beekman, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your heater go out in the middle of winter. A home warranty policy can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
The home warranty market has a variety of providers — all with different plans — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Beekman.
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 is the most trustworthy home warranty for Beekman residents. Liberty has been on the market for over 6 years, making it a well-respected company in the industry. Liberty has 3 simple plans, making the selection process easy. When you buy a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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
Choice Home Warranty is the best overall home warranty for Beekman residents. Choice has been on the market for over 15 years, making it a well-respected company in the industry. Choice has 2 simple plans, making the selection process easy. When you buy a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Beekman residents. Select has been on the market for over 11 years, making it a well-respected company in the industry. Select has 3 simple plans, making the selection process easy. When you buy a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
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 of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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
American Home Shield is the most customizable home warranty for Beekman residents. AHS has been on the market for over 26 years, making it a well-respected company in the industry. AHS has 3 simple plans, making the selection process easy. When you buy a plan 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 from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our American Home Shield full review.
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 is the home warranty with the best workmanship guarantee for Beekman residents. Cinch has been on the market for over 44 years, making it a well-respected company in the industry. Cinch has 3 simple plans, making the selection process easy. When you buy a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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
The Home Service Club is the best home warranty with the quickest service for Beekman residents. HSC has been on the market for over 15 years, making it a well-respected company in the industry. HSC has 2 simple plans, making the selection process easy. 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 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,558 |
| Heating | $4,372 |
| Electrical | $656 |
| Toilets | $546 |
| Washer/Dryer | $874 |
| Plumbing | $656 |
| Oven | $1,749 |
| Fridge | $656 |
A home warranty is a protection policy that helps Beekman homeowners in lowering the expenses of appliance and system repairs. The plans provide coverage to swap out or repair appliances and systems that stop working due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with outdated systems. Newer builds with functional appliances probably don’t need a home warranty.
Home warranties protect your home's systems and appliances. Common covered appliances include dryers, garbage disposals, dishwashers, washers, microwaves, refrigerators, and others. Protected systems include heating, plumbing, air conditioning, and electrical. Many home warranty plans offer add-on coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Beekman homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't cover things like natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
Before agreeing to a home warranty contract, you should know key terms like:
There are several key factors to consider when selecting a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans include protection for electrical, AC, plumbing, heating, and appliances. More inclusive options also offer coverage on other items such as pools, roof leaks, well pumps, and spas. Focus on providers with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation gives insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Browse review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Good ratings and feedback indicate a company known for exceptional service.
Home warranty providers maintain networks of technicians to handle covered repairs. Bigger networks increase the likelihood of getting qualified technicians to promptly service your home. Ask potential providers how many contractors they have in Beekman to get a sense of how quickly your repairs could be handled in an emergency.
Home warranty companies might offer extras such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These extras can add value beyond repair coverage. Additional perks help maximize the usefulness of your home warranty.
Since temperatures in Beekman can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty policy can help homeowners save money if one of these systems or appliances stops working unexpectedly.
A home warranty also can also save you time and energy. Instead of spending hours researching and selecting a technician to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Additionally, having a home warranty can help make your house more appealing to potential homebuyers should you ever decide to sell in the future. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been benefiting from.
One drawback of a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it’s important to read over any 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 due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, about $300 to $600 a year in Beekman. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. Homeowners insurance protects your entire home in a situation such as a natural disaster or fire. With homeowners insurance, you will not 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 Beekman.
First-time homebuyers, real estate agents, homeowners, home sellers, and landlords can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different home warranties in Beekman include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers your systems and appliances, including your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the items mentioned in the policy.
Generally, a home warranty lasts for a year and can be renewed annually. Some companies may offer month-to-month options.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may buy a home warranty policy 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 Beekman is $515,369, a home warranty can be an added asset when buying a home.
