Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home in North Castle has many great benefits, but there are some downsides. The weather throughout the four seasons can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty in North Castle can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
Finding the right 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 North Castle. Keep reading 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 offers the most trustworthy home warranty for North Castle residents. When you purchase a plan 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 home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered appliance or system.
To read more, visit our Liberty Home Guard full 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 for North Castle residents. When you purchase a plan 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 home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 per covered appliance or system.
To read more, visit our Choice Home Warranty full 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 for North Castle residents. When you purchase a plan 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 home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered appliance or system.
To read more, visit our Select Home Warranty full 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 for North Castle residents. When you purchase a plan 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 home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered appliance or system.
To read more, visit our American Home Shield full 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 for North Castle residents. When you purchase a plan 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 home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered appliance or system.
To read more, visit our Cinch Home Services full 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 for North Castle residents. When you purchase a plan 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 home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered appliance or system.
To read more, visit our The Home Service Club full 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 | $8,199 |
| Heating | $5,466 |
| Electrical | $820 |
| Toilets | $683 |
| Washer/Dryer | $1,093 |
| Plumbing | $820 |
| Oven | $2,186 |
| Fridge | $820 |
A home warranty is a protection policy that assists North Castle homeowners cut the high costs of household repairs. These plans provide 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 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 expensive emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties protect your household systems and appliances. Common covered appliances include washers, dishwashers, dryers, microwaves, garbage disposals, refrigerators, and others. Covered systems include heating, air conditioning, electrical, and plumbing. Many home warranty plans offer add-on coverage for central vacuums, roof leaks, septic systems, and even locksmiths. North Castle homeowners should know that most home warranty plans begin with 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 cosmetic issues, natural disasters, pre-existing conditions, or improperly using a system or appliance. You must 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:
When choosing a home warranty provider, there are several important factors to consider:
Home warranties vary widely in terms of included coverage. Basic policies typically cover heating, AC, plumbing, electrical, and appliances, while more comprehensive options may also cover roof leaks, well pumps, spas, and pools. Look for a company that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a company 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 gives insight into things such as approval rates, contractor quality, repair timeliness, and customer satisfaction. Browse review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential businesses to learn the number of repair professionals they have in North Castle and get an idea of how fast your repairs could be handled in an emergency. More extensive networks raise the probability of getting qualified contractors to promptly service your home.
Some home warranty providers include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These extras can offer extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your home warranty.
Since temperatures in North Castle 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 stops working unexpectedly.
Not to mention, having a home warranty can save you time by eliminating the need to research technicians — most providers will send a trusted professional right to your door to complete the repair or replacement. Plus, having a home warranty can help make your house more appealing to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you’ve been benefiting from.
One disadvantage of a home warranty is that there are usually exclusions. For instance, 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 thoroughly to get a sense of what is included and what isn’t.
Another thing to consider is that some providers don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty company for clarification about it if you need more information or if this is an issue for you.
A home warranty in North Castle can cost between $30 and $60 a month. The higher-priced plans usually have a lower service fee, higher coverage limits, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects the entire home from natural disasters, which can sometimes be a concern in North Castle. It doesn't cover a normal appliance or system repairs.
Homebuyers, real estate agents, landlords, home sellers, and homeowners 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 North Castle include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers your systems and appliances, including your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the policy.
Home warranty plans usually offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, however, the one selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in North Castle is $992,213, a home warranty can save you some money when buying a home.
