Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Hastings-on-Hudson comes with many positives, but it also comes with worries and concerns. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty in Hastings-on-Hudson can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Finding the best warranty for your home can be challenging, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Hastings-on-Hudson. 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 is the most trustworthy home warranty for Hastings-on-Hudson residents. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Hastings-on-Hudson area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our Liberty Home Guard Review to learn more.
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 for Hastings-on-Hudson residents. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Hastings-on-Hudson area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our Choice Home Warranty Review to learn more.
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 for Hastings-on-Hudson residents. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Hastings-on-Hudson area.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our Select Home Warranty Review to learn more.
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 for Hastings-on-Hudson residents. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Hastings-on-Hudson area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our American Home Shield Review to learn more.
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 for Hastings-on-Hudson residents. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Hastings-on-Hudson area.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our Cinch Home Services Review to learn more.
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 for Hastings-on-Hudson residents. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Hastings-on-Hudson area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our The Home Service Club Review to learn more.
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 | $7,272 |
| Heating | $4,848 |
| Electrical | $727 |
| Toilets | $606 |
| Washer/Dryer | $970 |
| Plumbing | $727 |
| Oven | $1,939 |
| Fridge | $727 |
A home warranty is a protection plan that helps cut costs for Hastings-on-Hudson homeowners needing appliance and system repairs. These plans provide coverage to repair 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 cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are particularly useful for older construction homes with aging systems. New homes with up-to-date appliances may not need a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include washers, garbage disposals, dryers, refrigerators, microwaves, dishwashers, and more. Covered systems are typically plumbing, heating, electrical, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. Hastings-on-Hudson homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans provide coverage for heating, plumbing, electrical, AC, and appliances. More extensive plans may also cover other things such as well pumps, roof leaks, pools, and spas. Look for providers with flexible coverage choices, including upgraded plans. This allows you to tailor protection to your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with lower service fees to maximize savings on every claim. Some companies also remove deductibles when customers have a claim-free period.
A home warranty provider's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Look at review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about companies. Positive reviews and ratings suggest a company known for providing quality service.
Home warranty businesses have networks of local professionals to handle repairs in your area. Contact potential providers to ask how many repair professionals they have in Hastings-on-Hudson and get an idea for how quickly your repairs could take place in an emergency situation. More extensive networks improve the probability of getting qualified contractors to promptly service your home.
Some home warranty providers include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These extras can offer extra value beyond just repair coverage. Added bonuses help you enhance your home and get the most from your home warranty.
Since temperatures in Hastings-on-Hudson can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Having a home warranty can help homeowners save money if one of these systems or appliances stops working unexpectedly.
A home warranty also can also save you time and energy. Instead of spending hours researching and selecting a technician 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 while selling your home, you can most likely transfer your home warranty plan to the new owners. It can make your home more attractive to potential homebuyers and help your home sell faster.
There are also some negatives to getting a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another thing to consider is that some providers don’t cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty provider for clarification about this if you need more information or if this is an issue for you.
A home warranty plan costs, on average, about $300 to $600 a year in Hastings-on-Hudson. 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 choosing a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger plan that protects your entire home from natural disasters, which can sometimes be a concern in Hastings-on-Hudson. It doesn't cover a typical appliance or system damage.
A home warranty can help investors, homebuyers, homeowners, real estate agents, and home sellers. It can offer peace of mind to anyone involved in homeownership.
The different types of home warranties in Hastings-on-Hudson include plans that cover either appliances or systems as well as combination plans. A combination plan covers your home systems and appliances, including your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the items mentioned in the plan.
Home warranty plans generally last a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, though, the one 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 Hastings-on-Hudson is $829,886, a home warranty can be an added asset when buying a home.
