Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Cortlandville gives homeowners some great living options and the opportunity to enjoy the snow in the winter. However, freezing temperatures can do a number on your home’s systems, such as your HVAC. A home warranty can bring you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best protection for your home can be challenging, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Cortlandville. Read on for our top provider 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 is the most trustworthy home warranty in Cortlandville. Liberty has about 6 years of industry experience and in that time has built a a skilled network of service professionals nationwide. When you purchase 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. The 3 plans from Liberty are easy to understand and offer a mix of both system and appliance coverage.
Liberty Home Guard offers 3 plans for Cortlandville 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 of the major systems and appliances, and service fees are an affordable $75.
For more information on this provider, read our detailed review of Liberty Home Guard. To receive 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 is the best overall home warranty in Cortlandville. Choice has about 15 years of industry experience and in that time has built a a skilled network of service professionals nationwide. When you purchase 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. The 2 plans from Choice are easy to understand and offer a mix of both system and appliance coverage.
Choice Home Warranty offers 2 plans for Cortlandville 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 of the major systems and appliances, and service fees are an affordable $85.
For more information on this provider, read our detailed review of Choice Home Warranty. To receive 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 is the most cost-effective home warranty in Cortlandville. Select has about 11 years of industry experience and in that time has built a a skilled network of service professionals nationwide. When you purchase 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. The 3 plans from Select are easy to understand and offer a mix of both system and appliance coverage.
Select Home Warranty offers 3 plans for Cortlandville 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 of the major systems and appliances, and service fees are a reasonable $60.
For more information on this provider, read our detailed review of Select Home Warranty. To receive 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 is the most customizable home warranty in Cortlandville. AHS has about 26 years of industry experience and in that time has built a a skilled network of service professionals nationwide. When you purchase 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. The 3 plans from AHS are easy to understand and offer a mix of both system and appliance coverage.
American Home Shield offers 3 plans for Cortlandville 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 of the major systems and appliances, and service fees are customizable and range from $75 to $125.
For more information on this provider, read our detailed review of American Home Shield. To receive 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 is the home warranty with the best workmanship guarantee in Cortlandville. Cinch has about 44 years of industry experience and in that time has built a a skilled network of service professionals nationwide. When you purchase 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. The 3 plans from Cinch are easy to understand and offer a mix of both system and appliance coverage.
Cinch Home Services offers 3 plans for Cortlandville 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 of the major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information on this provider, read our detailed review of Cinch Home Services. To receive 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 is the best home warranty with the quickest service in Cortlandville. HSC has about 15 years of industry experience and in that time has built a a skilled network of service professionals nationwide. When you purchase 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 2 plans from HSC are easy to understand and offer a mix of both system and appliance coverage.
The Home Service Club offers 2 plans for Cortlandville 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 of the major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information on this provider, read our detailed review of The Home Service Club. To receive 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 | $5,725 |
| Heating | $3,817 |
| Electrical | $573 |
| Toilets | $477 |
| Washer/Dryer | $763 |
| Plumbing | $573 |
| Oven | $1,527 |
| Fridge | $573 |
A home warranty is a protection policy that helps Cortlandville homeowners lower the costs of appliance and system repairs. The plans offer coverage to repair or swap out appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds 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 own older homes or ones with aging systems. More modern builds with modern fixtures probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include washers, garbage disposals, refrigerators, dishwashers, dryers, microwaves, and more. Covered systems are normally plumbing, heating, air conditioning, and electrical. Many home warranty companies offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Most home warranty plans require Cortlandville homeowners to wait 30 days before the plan will cover repairs. Moreover, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Before signing a home warranty contract, you should learn key terms like:
There are several key considerations when choosing a home warranty provider:
Home warranty coverage varies, although most plans include protection for AC, electrical, plumbing, heating, and appliances. More inclusive plans may also provide protection for extra things such as well pumps, roof leaks, spas, and pools. 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 needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per service call made. The per-request costs can add up. You may decide to look for providers with more affordable 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 company's track record gives you insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Positive reviews and ratings indicate a provider known for stellar service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Contact potential businesses to ask how many repair professionals they have in Cortlandville and get an idea of how fast your repairs could be handled in an emergency. More extensive networks increase the probability of getting qualified contractors to promptly service your home.
Some home warranty companies may include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These can provide extra value beyond repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
Cortlandville’s frigid winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the repairs, saving you from spending unexpected money out of pocket.
Not only can a home warranty offer some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of the research by sending trusted professionals to your door when you need them most. Plus, having a home warranty can help make your house more appealing 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 benefiting from.
As for the drawbacks of home warranties, coverage varies by company, so it’s important to read what each plan covers and excludes in the contract.
Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They often won’t cover systems or appliances that have stopped working due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty in Cortlandville can cost between $30 and $60 a month. Higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects an entire home from natural disasters, which might not be too much of a concern in Cortlandville. It doesn't cover a normal appliance or system damage.
A home warranty can help homeowners, homebuyers, real estate agents, investors, and home sellers. It can offer peace of mind to anyone involved in homeownership.
The different home warranties in Cortlandville include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your home systems and appliances, such as your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the items listed in the policy.
Generally, a home warranty lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
In general, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who will pay the service fees. In Cortlandville, where the median home value is $182,713, having the seller pay for the home warranty can be a good asset for your new home.
