Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Our editorial team is committed to creating independent and objective content focused on helping our readers make informed decisions. To help support these efforts we receive compensation from companies that advertise with us.
The compensation we receive from these companies may impact how and where products appear on this site. This compensation does not influence the recommendations or advice our editorial team provides within our content. We do not include all companies, products or offers that may be available.
Last Updated: February 25, 2025
Croton-on-Hudson gives homeowners some great living options 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 policy can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be quite a challenge because of the many options out there. If you're tired of trying to compare them all, keep reading for our guide to the top home warranty providers in Croton-on-Hudson.
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 Croton-on-Hudson. Liberty is a home warranty provider with 6 years of experience in the industry, and it has become one of the best providers in the business. The 3 home warranty plans that Liberty offers include options for appliance and system coverage. With a home warranty from Liberty, you can enjoy 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
For a more detailed breakdown, read our review of Liberty Home Guard. 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 is the best overall home warranty in Croton-on-Hudson. Choice is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 home warranty plans that Choice offers include options for appliance and system coverage. With a home warranty from Choice, you can enjoy 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.
For a more detailed breakdown, read our review of Choice Home Warranty. 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 is the most cost-effective home warranty in Croton-on-Hudson. Select is a home warranty provider with 11 years of experience in the industry, and it has become one of the best providers in the business. The 3 home warranty plans that Select offers include options for appliance and system coverage. With a home warranty from Select, you can enjoy 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.
For a more detailed breakdown, read our review of Select Home Warranty. 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 is the most customizable home warranty in Croton-on-Hudson. AHS is a home warranty provider with 26 years of experience in the industry, and it has become one of the best providers in the business. The 3 home warranty plans that AHS offers include options for appliance and system coverage. With a home warranty from AHS, you can enjoy 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500 at the maximum.
For a more detailed breakdown, read our review of American Home Shield. 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 is the home warranty with the best workmanship guarantee in Croton-on-Hudson. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. The 3 home warranty plans that Cinch offers include options for appliance and system coverage. With a home warranty from Cinch, you can enjoy 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000 at the maximum.
For a more detailed breakdown, read our review of Cinch Home Services. 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 is the best home warranty with the quickest service in Croton-on-Hudson. HSC is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 home warranty plans that HSC offers include options for appliance and system coverage. With a home warranty from HSC, you can enjoy 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.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000 at the maximum.
For a more detailed breakdown, read our review of The Home Service Club. 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 | $7,329 |
| Heating | $4,886 |
| Electrical | $733 |
| Toilets | $611 |
| Washer/Dryer | $977 |
| Plumbing | $733 |
| Oven | $1,954 |
| Fridge | $733 |
A home warranty is a protection policy that helps Croton-on-Hudson homeowners lower the costs of appliance and system repairs. The plans provide coverage to fix or swap out appliances and systems that malfunction due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid expensive emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, people with newer homes and functioning appliances may not require a home warranty.
Home warranties cover your home's systems and appliances. Typical covered appliances include refrigerators, washers, garbage disposals, dryers, microwaves, dishwashers, and more. Protected systems include air conditioning, electrical, plumbing, and heating. Various home warranty plans offer extra coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Croton-on-Hudson homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, cosmetic issues, natural disasters, or damage caused by improperly using a system or appliance. Make sure 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 know before signing, such as:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies widely in the items that are included. Most plans include protection for AC, heating, electrical, plumbing, and appliances. More comprehensive plans also offer coverage on other items 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.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with lower service fees to maximize savings on every claim. Some companies also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty company's track record gives insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Contact potential companies to learn the number of repair professionals they have in Croton-on-Hudson and get an idea of how quickly your repairs could be handled in an emergency. Larger networks raise the probability of getting qualified contractors to promptly service your home.
Some home warranty companies include bonuses such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These perks add value beyond just repair coverage. Added bonuses maximize the usefulness of the home warranty.
Since temperatures in Croton-on-Hudson can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks all of a sudden.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting a repair person to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Another benefit of having a home warranty is when you’re selling your home, some providers let you transfer your home warranty plan to the new owners. This can make your home more attractive to potential homebuyers and may help your home sell faster.
One of the major drawbacks of home warranties is not every home system and appliance may be covered. It’s important to compare the different policies and choose one that covers all the appliances, systems, and add-ons you need.
Another stipulation is that home warranties typically only cover damage from normal wear and tear. They often won’t cover home systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty costs, on average, about $300 to $600 a year in Croton-on-Hudson. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different insurance that protects an entire home from natural disasters, which can sometimes be a concern in Croton-on-Hudson. It doesn't cover a normal appliance or system repairs.
A home warranty can help homebuyers, real estate agents, home sellers, homeowners, and investors. It can offer peace of mind and savings to anyone involved in homeownership.
The different kinds of home warranties in Croton-on-Hudson include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the items mentioned in the plan.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
Generally, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees. In Croton-on-Hudson, where the median value of a home is $711,056, having the seller pay for the home warranty can save you some money on your new home.
