Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
Congers gives homeowners some great neighborhoods and the opportunity to enjoy all four seasons. However, temperatures can do a number on your home’s systems, such as your HVAC. A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
The home warranty market has a variety of providers — all with different offerings — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Congers.
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 Congers. 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. Liberty has 3 simple plans, making the selection process quick and easy.
Liberty Home Guard offers 3 plans for Congers 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 caps from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Congers area.
Read more by visiting our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, you can 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 Congers. 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. Choice has 2 simple plans, making the selection process quick and easy.
Choice Home Warranty offers 2 plans for Congers homeowners. The Basic Plan and Total Plan are the options they have, which have a mix 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 Congers area.
Read more by visiting our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, you can 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 Congers. 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. Select has 3 simple plans, making the selection process quick and easy.
Select Home Warranty offers 3 plans for Congers homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix 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 Congers area.
Read more by visiting our Select Home Warranty Review. To get a free quote from Select Home Warranty, you can 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 Congers. 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. AHS has 3 simple plans, making the selection process quick and easy.
American Home Shield offers 3 plans for Congers homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix 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 Congers area.
Read more by visiting our American Home Shield Review. To get a free quote from American Home Shield, you can 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 Congers. 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. Cinch has 3 simple plans, making the selection process quick and easy.
Cinch Home Services offers 3 plans for Congers 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 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 Congers area.
Read more by visiting our Cinch Home Services Review. To get a free quote from Cinch Home Services, you can 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 Congers. 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. HSC has 2 simple plans, making the selection process quick and easy.
The Home Service Club offers 2 plans for Congers homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix 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 Congers area.
Read more by visiting our The Home Service Club Review. To get a free quote from The Home Service Club, you can 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 | $7,394 |
| Heating | $4,929 |
| Electrical | $739 |
| Toilets | $616 |
| Washer/Dryer | $986 |
| Plumbing | $739 |
| Oven | $1,972 |
| Fridge | $739 |
A home warranty is a protection policy that helps reduce the high costs for Congers homeowners needing appliance and system repairs. These plans provide coverage to fix or swap out 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 fix 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 provides peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with outdated systems. Newer homes with modern fixtures probably don’t require a home warranty.
Home warranties cover your home's systems and appliances. Common covered appliances are dryers, dishwashers, washers, garbage disposals, microwaves, refrigerators, and more. Covered systems include air conditioning, electrical, plumbing, and heating. Many home warranty plans offer extra coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Congers should understand that most home warranty plans have a waiting period of 30 days before repair claims will be approved. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
There are multiple home warranty terms to learn before signing an agreement, including:
When choosing a home warranty provider, there are several important factors to consider:
Home warranties differ greatly in the items covered. Basic policies typically include AC, electrical, plumbing, heating, and appliances, while more comprehensive plans may also cover well pumps, pools, spas, and roof leaks. Look for a company that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with lower service fees to maximize savings. Some companies also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Read through review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about companies. Good reviews and ratings suggest a company known for delivering quality service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. Wider networks raise the probability of getting qualified contractors to your home promptly. Contact possible providers to learn how many contractors they have in Congers. This helps you understand how long repairs might take in an urgent situation.
Some home warranty plans provide bonuses such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These can add value beyond repair coverage. Extra bonuses can maximize the usefulness of the home warranty.
Since temperatures in Congers 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 breaks down suddenly.
Additionally, having a home warranty can save you some time by getting rid of the need to research service technicians — most companies will send a trusted professional right to your door to do the necessary repair or replacement. Plus, having a home warranty can 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 receiving.
One downside of getting a home warranty is that there are often exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it’s important to read through any contracts you’re considering thoroughly to understand what is included and what isn’t.
Another pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests being denied, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty policy costs, on average, about $300 to $600 a year in Congers. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower 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 protects against normal wear and tear to home systems and appliances. Homeowners insurance protects the entire home in case of a situation such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim should you need a new washing machine or stove, unless the damage is a result of a natural disaster, which isn't that common in Congers.
First-time homebuyers, home sellers, landlords, homeowners, and real estate agents are all eligible for 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 types of home warranties in Congers include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers your systems and appliances, such as your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the items mentioned in the plan.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, though, the person who is selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Congers is $604,973, a home warranty can save you some money when buying a home.
