Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
The cost of maintaining a home in Herkimer can be costly, particularly as your home ages and your systems and appliances have to be repaired or replaced. A home warranty in Herkimer can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Choosing the best home warranty on the market can be quite a challenge because of the numerous options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide on the top home warranty providers in Herkimer.
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
In Herkimer, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in the home warranty business for about 6 years. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
To read more, visit our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 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
In Herkimer, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty business for about 15 years. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
To read more, visit our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
In Herkimer, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty business for about 11 years. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with Select’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To read more, visit our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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
In Herkimer, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty business for about 26 years. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or give them a call at 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
In Herkimer, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for about 44 years. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To read more, visit our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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
In Herkimer, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty business for about 15 years. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To read more, visit our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $5,612 |
| Heating | $3,742 |
| Electrical | $561 |
| Toilets | $468 |
| Washer/Dryer | $748 |
| Plumbing | $561 |
| Oven | $1,497 |
| Fridge | $561 |
A home warranty is a protection plan that helps cut costs for Herkimer homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the repair 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 gives security for homeowners by helping them avoid expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with aging systems. Newer builds with working fixtures probably don’t need a home warranty.
Home warranties protect many home systems and appliances. Typical covered appliances are dishwashers, garbage disposals, microwaves, dryers, refrigerators, washers, and more. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranty plans offer extra coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Herkimer homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to know before signing a contract, such as:
There are several key considerations when choosing a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans cover plumbing, AC, electrical, heating, and appliances. More inclusive options also include coverage for other items such as spas, pools, well pumps, and roof leaks. Look for companies with flexible coverage choices, including upgraded plans. This helps you tailor protection to your home's 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 more affordable fees to maximize savings. Some providers also remove deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Look at review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about companies. Positive reviews and ratings suggest a company known for delivering quality service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Reach out to potential providers to learn the number of repair specialists they have in Herkimer and get an idea of how quickly your repairs could be handled in an emergency. Wider networks improve the chance of getting qualified contractors to promptly service your home.
Some home warranty companies may include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These can offer extra value beyond repair coverage. Added bonuses help you enhance your home and get the most from your warranty policy.
Home warranties are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Herkimer reaching an average high of 50℃F, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can remarkably lower out-of-pocket costs should your HVAC system stop working.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of needing to vet service technicians yourself, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. In addition, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
As for the negatives of home warranties, coverage varies by company, so it’s important to read what each policy covers and doesn’t include in the contract.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They most likely won’t cover home systems or appliances that have been damaged due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty plan costs, on average, about $300 to $600 a year in Herkimer. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover issues related to home 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 might not be too much of a concern in Herkimer. It doesn't cover a typical appliance or system repairs.
Homebuyers, real estate agents, landlords, homeowners, and home sellers are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Herkimer include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your systems and appliances, such as your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the specific items mentioned in the contract.
Generally, a home warranty lasts for a year and can be renewed annually. Some companies may offer month-to-month options.
Typically, 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 transferred to the new homeowner, who will pay the service fees when using the policy. In Herkimer, where the median value of a home is $146,920, having the seller pay for the home warranty can be a good asset for your new home.
