Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
Owning a home can have many benefits, but it can also come with some downsides like maintenance. The older your house’s appliances and systems are, the more you may want to consider getting a home warranty. A home warranty is a way to protect your budget from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
The home warranty market is saturated with a lot of providers — all with different offerings — so the Today's Homeowner team has done the research to help you find the best home warranty companies in North Hempstead.
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 North Hempstead. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, 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’s service fees are an affordable $75, and the coverage limits come out to about $3,000 per covered appliance or system.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our Liberty Home Guard full review 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 offers the best overall home warranty in North Hempstead. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, 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’s service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered appliance or system.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our Choice Home Warranty full review 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 offers the most cost-effective home warranty in North Hempstead. Select has 3 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, 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’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 per covered appliance or system.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our Select Home Warranty full review 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 offers the most customizable home warranty in North Hempstead. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, 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’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered appliance or system.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our American Home Shield full review 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 offers the home warranty with the best workmanship guarantee in North Hempstead. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, 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’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 per covered appliance or system.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our Cinch Home Services full review 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 offers the best home warranty with the quickest service in North Hempstead. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, 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’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 per covered appliance or system.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our The Home Service Club full review 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 | $7,566 |
| Heating | $5,044 |
| Electrical | $757 |
| Toilets | $631 |
| Washer/Dryer | $1,009 |
| Plumbing | $757 |
| Oven | $2,018 |
| Fridge | $757 |
A home warranty is a protection policy that assists North Hempstead homeowners in lowering the costs of appliance and system repairs. The plans provide financial coverage to swap out or fix appliances and systems that stop working due to normal wear and tear. When something stops working, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them avoid expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with outdated systems. More modern builds with functional fixtures probably don’t require a home warranty.
Home warranties help protect both your home systems and appliances. Common covered appliances include washers, dryers, dishwashers, garbage disposals, microwaves, refrigerators, and others. Covered systems include heating, electrical, plumbing, and air conditioning. Many home warranties offer additional add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks. North Hempstead should understand that most home warranty plans have a 30-day waiting period before repairs are covered. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, 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 key home warranty terms to learn before signing a contract:
There are several key considerations when choosing a home warranty provider:
Home warranty policies vary widely in what they include. Most plans provide protection for heating, plumbing, AC, electrical, and appliances. More inclusive options also extend protection to other items such as roof leaks, pools, spas, and well pumps. Look for companies with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s 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 lower service fees to optimize savings on each repair claim. Certain companies may eliminate deductibles if homeowners don't submit any claims within a set period of time.
A home warranty company's track record gives insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Favorable reviews and ratings indicate a company known for stellar service.
Home warranty businesses keep networks of local contractors to handle repairs in your area. Reach out to potential providers to learn how many repair professionals they have in North Hempstead and get an idea for how quickly your repairs could take place in an emergency situation. Wider networks improve the chances of getting qualified contractors to promptly service your home.
Certain home warranty providers include extras such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These bonuses offer extra value beyond repair coverage. Added perks enhance your home and help maximize your home warranty.
Temperatures in North Hempstead can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in North Hempstead, one of the benefits of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
A home warranty also can also save you time and energy. Instead of spending hours finding and selecting a contractor to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. A home warranty can also yield value in other ways. For instance, some plans can be transferred to another owner when you sell your home.
One drawback of buying a home warranty is that there are often exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it’s important to read over any contracts you’re considering thoroughly to understand what is included and what isn’t.
Another stipulation is that home warranties usually only cover damage from normal wear and tear. They most likely won’t cover systems or appliances that have been damaged due to natural disasters, improper maintenance, animal infestations, etc.
A home warranty in North Hempstead can cost between $30 and $60 a month. Higher-priced plans usually have broader coverage, higher coverage limits, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also lower 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 problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger insurance that protects the entire home from natural disasters, which can be a concern in North Hempstead. It doesn't cover a normal appliance or system damage.
First-time homebuyers, real estate agents, landlords, homeowners, and home sellers are all eligible for 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 North Hempstead include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers your home 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 policy.
Home warranty plans usually provide coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In North Hempstead, where the median value of a home is $1,304,561, having the seller pay for the home warranty can be a good asset for your new home.
