Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Irondequoit offers homeowners some affordable housing options. However, unanticipated repair and replacement costs on your home’s systems and appliances can get quite expensive. A home warranty can help protect homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
The home warranty market is filled with many providers — all with different plans — so the Today's Homeowner team has done the research to help you find the best home warranty companies in Irondequoit.
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 in Irondequoit. Liberty has been in the home warranty business for about 6 years. When you purchase a home warranty 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 comprehensive and have a mix of both system and appliance coverage.
Liberty Home Guard has 3 plans that provide a mix of appliance and system 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.
To read more, visit our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, 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 offers the best overall home warranty in Irondequoit. Choice has been in the home warranty business for about 15 years. When you purchase a home warranty 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 comprehensive and have a mix of both system and appliance coverage.
Choice Home Warranty has 2 plans that provide a mix of appliance and system 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.
To read more, visit our Choice Home Warranty Review. To receive a free quote from Choice Home Warranty, 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 offers the most cost-effective home warranty in Irondequoit. Select has been in the home warranty business for about 11 years. When you purchase a home warranty 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 comprehensive and have a mix of both system and appliance coverage.
Select Home Warranty has 3 plans that provide a mix of appliance and system 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.
To read more, visit our Select Home Warranty Review. To receive a free quote from Select Home Warranty, 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 offers the most customizable home warranty in Irondequoit. AHS has been in the home warranty business for about 26 years. When you purchase a home warranty 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 comprehensive and have a mix of both system and appliance coverage.
American Home Shield has 3 plans that provide a mix of appliance and system 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.
To read more, visit our American Home Shield Review. To receive a free quote from American Home Shield, 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 offers the home warranty with the best workmanship guarantee in Irondequoit. Cinch has been in the home warranty business for about 44 years. When you purchase a home warranty 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 comprehensive and have a mix of both system and appliance coverage.
Cinch Home Services has 3 plans that provide a mix of appliance and system 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.
To read more, visit our Cinch Home Services Review. To receive a free quote from Cinch Home Services, 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 offers the best home warranty with the quickest service in Irondequoit. HSC has been in the home warranty business for about 15 years. When you purchase a home warranty 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 comprehensive and have a mix of both system and appliance coverage.
The Home Service Club has 2 plans that provide a mix of appliance and system 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.
To read more, visit our The Home Service Club Review. To receive a free quote from The Home Service Club, 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 | $5,960 |
| Heating | $3,974 |
| Electrical | $596 |
| Toilets | $497 |
| Washer/Dryer | $795 |
| Plumbing | $596 |
| Oven | $1,589 |
| Fridge | $596 |
A home warranty is a protection plan that assists Irondequoit homeowners lower the high costs of household repairs. These plans offer financial coverage to repair or replace appliances and systems that break down from 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 fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are especially useful for older houses or those with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties help protect your home systems and appliances. Common covered appliances include microwaves, dryers, dishwashers, garbage disposals, washers, refrigerators, and others. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranties offer additional add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. Most home warranty plans require Irondequoit homeowners to wait 30 days before the plan will cover repairs. Additionally, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans include protection for heating, AC, plumbing, electrical, and appliances. More extensive plans may also provide protection for extra things such as roof leaks, well pumps, spas, and pools. Focus on companies with broad coverage options including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per claim you submit. These per-claim charges can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation 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 TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Complimentary ratings and reviews indicate a company known for stellar service.
Home warranty businesses keep networks of local technicians to handle repairs in your area. Reach out to potential providers to ask how many repair professionals they have in Irondequoit and get an idea for how fast your repairs could take place in an emergency situation. Wider networks increase the chances of getting qualified contractors to quickly service your home.
Some home warranty companies include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can provide extra value beyond repair coverage. Added bonuses allow you to enhance your home and get the most from your warranty policy.
Temperatures in Irondequoit can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Irondequoit, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of needing to vet contractors by yourself, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. A home warranty can also yield value in other ways. For example, some plans can be transferred to another owner during a home sale.
As for the negatives of home warranties, coverage varies by provider, so it’s important to read what each policy covers and excludes in the contract.
Another thing to consider is that some companies don’t cover pre-existing issues and may require an inspection before your coverage can begin. 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 in Irondequoit can cost between $30 and $60 a month. The higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in case of a situation such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim should you need a new dryer or oven, unless the damage is a result of a natural disaster, which is somewhat common in Irondequoit.
Homebuyers, landlords, homeowners, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different types of home warranties in Irondequoit include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your home systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the plan.
Home warranty plans usually last a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Usually, the homeowner is the one who pays 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 has to pay the service fees when using the policy. In Irondequoit, where the median home value is $304,297, having the seller pay for the home warranty can save you some money on your new home.
