Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated May 2024
Homeownership in North Bellport can be exciting for many people, but it also comes with its fair share of challenges. Home repairs can be an unexpected financial burden for many homeowners. A home warranty policy can help protect homebuyers and current homeowners by cutting the costs of major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be overwhelming, since there are lots of companies to decide between. That’s why the Today's Homeowner team did the research and compiled a list of the best home warranty companies in North Bellport for you.
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 North Bellport residents. Liberty has been in the home warranty industry for about 6 years. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are an affordable $75.
For a more detailed breakdown, read our comprehensive review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, you can 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 is the best overall home warranty for North Bellport residents. Choice has been in the home warranty industry for about 15 years. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. 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.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are an affordable $85.
For a more detailed breakdown, read our comprehensive review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can 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 is the most cost-effective home warranty for North Bellport residents. Select has been in the home warranty industry for about 11 years. Select has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $60.
For a more detailed breakdown, read our comprehensive review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can 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 is the most customizable home warranty for North Bellport residents. AHS has been in the home warranty industry for about 26 years. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our comprehensive review of American Home Shield. To receive a free quote from American Home Shield, you can 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 is the home warranty with the best workmanship guarantee for North Bellport residents. Cinch has been in the home warranty industry for about 44 years. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our comprehensive review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can 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 is the best home warranty with the quickest service for North Bellport residents. HSC has been in the home warranty industry for about 15 years. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
For a more detailed breakdown, read our comprehensive review of The Home Service Club. To receive a free quote from The Home Service Club, you can 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 | $7,190 |
| Heating | $4,793 |
| Electrical | $719 |
| Toilets | $599 |
| Washer/Dryer | $959 |
| Plumbing | $719 |
| Oven | $1,917 |
| Fridge | $719 |
A home warranty is a protection policy that helps North Bellport homeowners cut the costs of appliance and system repairs. The plans provide coverage to fix 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 particularly useful for owners of older homes or homes with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties protect your home's systems and appliances. Common covered appliances include washers, dishwashers, garbage disposals, dryers, refrigerators, microwaves, and others. Protected systems include heating, plumbing, electrical, and air conditioning. Various home warranty plans offer additional coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Most home warranty plans require North Bellport homeowners to wait 30 days before the plan will cover repairs. Additionally, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty words to understand 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 plumbing, electrical, heating, AC, and appliances. More extensive plans may also cover extra things such as spas, roof leaks, well pumps, and pools. Look for companies with a diverse range of coverage options, including upgraded plans. This helps you customize your plan to your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation provides insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Favorable reviews and ratings indicate a provider known for stellar service.
Home warranty providers have networks of contractors to handle covered repairs. Bigger networks raise the likelihood of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in North Bellport to get a sense of how quickly your repairs could happen in an emergency.
Certain home warranty providers include perks such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These offer extra value beyond repair coverage. Extra perks help improve your home and maximize your home warranty.
Since temperatures in North Bellport can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of having to vet technicians on your own, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Another good thing about having a home warranty is if you want to sell your home, some providers let you transfer your home warranty policy to the new owners. It can make your home more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some cons. Although it can save you time when the home warranty sends out a service technician who takes care of the repair for you, some may not like this, and they would prefer to select a contractor themselves. If that’s important to you, some home warranty companies allow you to choose a contractor.
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 other than normal wear and tear — the home warranty may not cover it.
A home warranty policy costs, on average, around $300 to $600 a year in North Bellport. Our high-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 often cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan protects 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. Under homeowners insurance, you will not be able to file a claim should you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in North Bellport.
A home warranty can help homeowners, real estate agents, homebuyers, investors, and home sellers. It can provide peace of mind and savings to anyone involved in homeownership.
A home warranty plan will cover your home’s systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Home warranty plans typically last a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
In general, 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 North Bellport, where the median home value is $486,259, having the seller pay for the home warranty can save you some money on your new home.
