Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Clarkstown offers homeowners some beautiful living options. However, unanticipated repair and replacement costs on your home’s systems and appliances can get quite pricey. A home warranty in Clarkstown can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
Finding the best home warranty on the market can be difficult, since there are lots of companies to choose from. That’s why our team at Today's Homeowner did the research and put together a list of the best home warranty companies in Clarkstown for you.
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 Clarkstown, Liberty Home Guard is the most trustworthy home warranty. The 3 plans from Liberty are easy to understand and offer a mix of both system and appliance coverage. When you buy a policy 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.
Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Clarkstown area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information, read 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 Clarkstown, Choice Home Warranty is the best overall home warranty. The 2 plans from Choice are easy to understand and offer a mix of both system and appliance coverage. When you buy a policy 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.
Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Clarkstown area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, read 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 Clarkstown, Select Home Warranty is the most cost-effective home warranty. The 3 plans from Select are easy to understand and offer a mix of both system and appliance coverage. When you buy a policy 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.
Select Home Warranty has 3 plans that provide a combination of system and appliance coverage. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Clarkstown area.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information, read 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 Clarkstown, American Home Shield is the most customizable home warranty. The 3 plans from AHS are easy to understand and offer a mix of both system and appliance coverage. When you buy a policy 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.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Clarkstown area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read 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
In Clarkstown, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 plans from Cinch are easy to understand and offer a mix of both system and appliance coverage. When you buy a policy 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.
Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. The coverage caps 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 Clarkstown area.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read 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 Clarkstown, The Home Service Club is the best home warranty with the quickest service. The 2 plans from HSC are easy to understand and offer a mix of both system and appliance coverage. When you buy a policy 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 Home Service Club has 2 plans that provide a combination of system and appliance coverage. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Clarkstown area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, read 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 | $7,143 |
| Heating | $4,762 |
| Electrical | $714 |
| Toilets | $595 |
| Washer/Dryer | $952 |
| Plumbing | $714 |
| Oven | $1,905 |
| Fridge | $714 |
A home warranty is a protection plan that helps reduce the high costs for Clarkstown homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over 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 owners of older homes or homes with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties cover many home systems and appliances. Covered appliances normally include refrigerators, washers, garbage disposals, dryers, microwaves, dishwashers, and more. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranty providers also offer additional coverage for roof leaks, central vacuums, locksmiths, and septic systems. It's important for Clarkstown homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage differs significantly when it comes to what's covered. Most plans provide coverage for heating, plumbing, AC, electrical, and appliances. More robust coverage options also offer coverage on other items such as roof leaks, well pumps, spas, and pools. Look for providers with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s 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 companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation gives insight into things such as approval rates, contractor quality, repair timeliness, and customer service. Check review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Good ratings and feedback indicate a provider known for great service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Reach out to potential businesses to learn the number of repair specialists they have in Clarkstown and get an idea of how fast your repairs could be handled in an emergency. Larger networks raise the chance of getting qualified contractors to swiftly service your home.
Home warranty providers may include bonuses such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These can add value beyond repair coverage. Additional perks maximize the usefulness of the home warranty.
Temperatures in Clarkstown can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Clarkstown, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
Additionally, having a home warranty can save you some time by eliminating the need to research repair people — most companies will send a trusted professional right to your door to complete the repair or replacement. Another good thing about having a home warranty is when you’re selling your home, you can most likely transfer your home warranty policy to the new owners. It can make your house more attractive to potential homebuyers and may help your home sell faster.
There are also some negatives to getting a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty.
Also, 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 other than normal wear and tear — the home warranty may not cover it.
A home warranty in Clarkstown can cost anywhere from $30 to $60 a month. Higher-priced plans usually have broader coverage, higher coverage limits, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects an entire home from natural disasters, which might not be too much of a concern in Clarkstown. It doesn't cover a typical appliance or system breakage.
A home warranty can help homeowners, home sellers, real estate agents, investors, and homebuyers. It can provide peace of mind and savings to anyone involved in homeownership.
A home warranty policy will cover your 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 helpful if you want to save some money.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
Typically, the person who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Clarkstown is $621,436, a home warranty can save you some money when buying a home.
