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 Cortlandt, your home systems can go through 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 in Cortlandt 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 warranty for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Cortlandt. Keep reading for our home warranty recommendations.
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 for Cortlandt residents. 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 plans for you to decide between.
Liberty Home Guard offers 3 plans for Cortlandt homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Liberty’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our Liberty Home Guard 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 offers the best overall home warranty for Cortlandt residents. 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 plans for you to decide between.
Choice Home Warranty offers 2 plans for Cortlandt homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Choice’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our Choice Home Warranty 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 offers the most cost-effective home warranty for Cortlandt residents. 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 plans for you to decide between.
Select Home Warranty offers 3 plans for Cortlandt homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Select’s plans are around the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our Select Home Warranty 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 offers the most customizable home warranty for Cortlandt residents. 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 plans for you to decide between.
American Home Shield offers 3 plans for Cortlandt homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are around the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our American Home Shield 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 offers the home warranty with the best workmanship guarantee for Cortlandt residents. 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 plans for you to decide between.
Cinch Home Services offers 3 plans for Cortlandt homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our Cinch Home Services 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 offers the best home warranty with the quickest service for Cortlandt residents. 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 plans for you to decide between.
The Home Service Club offers 2 plans for Cortlandt homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with HSC’s plans are around the $2,000 mark for many 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, you can fill out this online form or call 800-750-9443. To read more, visit our The Home Service Club 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 | $7,557 |
| Heating | $5,038 |
| Electrical | $756 |
| Toilets | $630 |
| Washer/Dryer | $1,008 |
| Plumbing | $756 |
| Oven | $2,015 |
| Fridge | $756 |
A home warranty is a protection policy that helps Cortlandt homeowners cut the high costs of household repairs. These plans offer financial coverage to fix or replace appliances and systems that stop working from 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 repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent expensive emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties help protect your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, washers, dryers, refrigerators, microwaves, dishwashers, and more. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranty plans offer additional add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. It's important for Cortlandt homeowners to understand most home warranty plans have a waiting period of 30 days 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, natural disasters, pre-existing conditions, or improperly using a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
There are a number of home warranty terms to know before signing an agreement, including:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans include protection for AC, heating, electrical, plumbing, and appliances. More comprehensive options may also cover extra things such as pools, roof leaks, spas, and well pumps. Look for providers with varied coverage options, including upgraded plans. This helps you customize your plan to your needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per repair request filed. The costs from multiple fees can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some providers also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty provider's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies have networks of local professionals to handle repairs in your area. Contact potential providers to find out how many repair contractors they have in Cortlandt and get an idea for how quickly your repairs might happen in an emergency situation. Larger networks increase the likelihood of getting qualified contractors to quickly service your home.
Some home warranty plans provide extras such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These can add value beyond repair coverage. Extra bonuses help maximize the usefulness of the home warranty.
Since temperatures in Cortlandt can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances stops working suddenly.
Not to mention, having a home warranty can save you time by getting rid of the need to research technicians — most providers will send a trusted professional right to your door to carry out the repair or replacement. Plus, having a home warranty can make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your policy to a new owner and give them the protection you’ve been getting.
There are also some negatives to buying a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Another drawback is that home warranties may exclude some repairs, like those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty plan costs, on average, about $300 to $600 a year in Cortlandt. Our high-rated home warranty companies' 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 sorts of damage they cover. Home warranty plans cover problems 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 insurance that protects your entire home from natural disasters, which can sometimes be a concern in Cortlandt. It doesn't cover a typical appliance or system repairs.
Homebuyers, landlords, real estate agents, homeowners, and home sellers are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty policy will cover your systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Home warranty plans typically offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month options as well.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Cortlandt, where the median home value is $518,198, having the seller pay for the home warranty can save you some money on your new home.
