Written By David Cusick
Last Updated April 2024
With hot summers and cool winters, working home appliances and systems, specifically HVAC, are extremely important for homeowners in Kinderhook. A home warranty can bring you the peace of mind you need and shield your bank account from large expenses by covering your home’s major systems and appliances.
Finding the best warranty for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Kinderhook. Read on 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 in Kinderhook. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 plans for homeowners to decide between.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Kinderhook area.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For more information, read our detailed review of Liberty Home Guard.
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 Kinderhook. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for homeowners to decide between.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Kinderhook area.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For more information, read our detailed review of Choice Home Warranty.
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 Kinderhook. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for homeowners to decide between.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Kinderhook area.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information, read our detailed review of Select Home Warranty.
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 Kinderhook. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for homeowners to decide between.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits 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 Kinderhook area.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information, read our detailed review of American Home Shield.
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 Kinderhook. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 plans for homeowners to decide between.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits 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 Kinderhook area.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information, read our detailed review of Cinch Home Services.
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 Kinderhook. 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, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 plans for homeowners to decide between.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits 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 Kinderhook area.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information, read our detailed review of The Home Service Club.
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 | $5,950 |
Heating | $3,967 |
Electrical | $595 |
Toilets | $496 |
Washer/Dryer | $793 |
Plumbing | $595 |
Oven | $1,587 |
Fridge | $595 |
A home warranty is a protection plan that helps Kinderhook homeowners reduce the high costs of household repairs. These plans offer financial coverage to fix or replace appliances and systems that stop working from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover many home systems and appliances. Covered appliances typically include microwaves, refrigerators, dryers, garbage disposals, washers, dishwashers, and others. Covered systems include heating, plumbing, electrical, and air conditioning. Many home warranty companies also provide add-on coverage for central vacuums, locksmiths, septic systems, and roof leaks. It's important for Kinderhook homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some essential home warranty terms to learn before signing a contract:
There are several important considerations when choosing a home warranty provider:
Home warranty coverage varies, although most plans include protection for AC, electrical, heating, plumbing, and appliances. More comprehensive options may also include extra things such as spas, pools, roof leaks, and well pumps. Look for a company that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and 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 provider with lower service fees to maximize savings. Some companies also eliminate deductibles when customers have a claim-free period.
A home warranty provider's reputation provides insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Use review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Good ratings and feedback indicate a provider known for great service.
Home warranty businesses keep networks of local contractors to handle repairs in your area. Reach out to potential providers to ask how many repair technicians they have in Kinderhook 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 quickly service your home.
Some home warranty companies may include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These extras can offer extra value beyond just repair coverage. Extra bonuses let you enhance your home and get the most from your home warranty.
Kinderhook’s cold 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 fails in the middle of July, a home warranty can cover the needed repairs, saving you from spending unexpected money out of pocket.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of vetting contractors on your own, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. A home warranty can also give value in other ways. For instance, some policies can be transferred between owners during a home sale.
One disadvantage of buying a home warranty is that there are often exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it’s important to read through the contracts you’re considering carefully to understand what is included and what isn’t.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They commonly won’t cover systems or appliances that have stopped working due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty in Kinderhook can cost between $30 and $60 a month. The higher-priced plans usually 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 decrease 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 covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your home in case of something such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim if you need a new refrigerator or oven, unless the damage is a result of a natural disaster, which isn't that common in Kinderhook.
First-time homebuyers, real estate agents, home sellers, homeowners, and landlords can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Kinderhook 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 washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover only the specific items mentioned in the contract.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some companies may offer month-to-month options.
Usually, 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 has to pay the service fees. In Kinderhook, where the median value of a home is $425,336, having the seller pay for the home warranty can be a good asset for your new home.