Written By David Cusick
Last Updated May 2024
As much as you may enjoy owning a home in Mastic Beach, there's always that fear about whether your systems and appliances are going to make it through the next few years. A home warranty plan can help protect homeowners by cutting the costs of major repairs and replacements on your home’s most important systems and appliances.
The home warranty market is saturated with a lot of providers — all with different plans — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Mastic Beach.
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 Mastic Beach. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our comprehensive review of Liberty Home Guard 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 in Mastic Beach. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our comprehensive review of Choice Home Warranty 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 in Mastic Beach. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our comprehensive review of Select Home Warranty 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 in Mastic Beach. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our comprehensive review of American Home Shield 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 in Mastic Beach. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our comprehensive review of Cinch Home Services 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 in Mastic Beach. The 2 plans from HSC are easily comprehensible and offer both system and appliance coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our comprehensive review of The Home Service Club 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 | $7,381 |
Heating | $4,921 |
Electrical | $738 |
Toilets | $615 |
Washer/Dryer | $984 |
Plumbing | $738 |
Oven | $1,968 |
Fridge | $738 |
A home warranty is a protection policy that helps Mastic Beach homeowners lower the expenses of appliance and system repairs. The plans provide financial coverage to repair or swap out appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent expensive emergency repairs. Home warranties are especially useful for older houses or those with aging systems. New homes with modern appliances might not need a home warranty.
Home warranties safeguard your home systems and appliances. Common covered appliances include washers, microwaves, dryers, garbage disposals, refrigerators, dishwashers, and others. Covered systems include plumbing, electrical, air conditioning, and heating. Many home warranties offer additional add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. Mastic Beach homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are a number of home warranty terms to know before signing an agreement, including:
There are several key factors to consider when selecting a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic policies typically provide protection for heating, plumbing, electrical, AC, and appliances, while more comprehensive plans may also cover spas, well pumps, roof leaks, and pools. Look for companies with varied coverage options, including upgraded plans. This helps you customize your plan to your needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per repair request filed. The per-request costs can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Check review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about providers. Favorable reviews and ratings suggest a company known for delivering quality service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential providers to learn the number of repair specialists they have in Mastic Beach and get an idea of how fast your repairs could be handled in an emergency. Wider networks improve the probability of getting qualified contractors to promptly service your home.
Some home warranty providers may include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These extras can offer extra value beyond repair coverage. Extra bonuses let you enhance your home and get the most from your home warranty.
Since temperatures in Mastic Beach 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 unexpectedly.
Not only can a home warranty provide some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most. A home warranty can also yield value in other ways. For example, some policies can be transferred between owners when you sell your home.
There are also some downsides to purchasing a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Additionally, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, around $300 to $600 a year in Mastic Beach. 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 opting for a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects the entire home in case of a situation such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim if you need a new dryer or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Mastic Beach.
A home warranty can help homebuyers, homeowners, investors, home sellers, and real estate agents. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty can cover your appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
Typically, the homeowner pays 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. Since the average home value in Mastic Beach is $395,013, a home warranty can be an added asset when buying a home.