Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Buying a home is a big step in many people’s lives, but the cost of maintaining it can get expensive over time, especially if your home in North Patchogue is on the older side. A home warranty in North Patchogue can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
The home warranty market has a lot of providers — all with different coverage — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in North Patchogue.
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 North Patchogue. Liberty has been in the home warranty business for over 6 years. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. 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.
Liberty Home Guard has 3 plans that provide a mix of appliance and system coverage. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the North Patchogue area.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information, read our 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 North Patchogue. Choice has been in the home warranty business for over 15 years. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. 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.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the North Patchogue area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, read our 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 North Patchogue. Select has been in the home warranty business for over 11 years. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. 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.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the North Patchogue area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information, read our 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 North Patchogue. AHS has been in the home warranty business for over 26 years. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the North Patchogue area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read our 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 North Patchogue. Cinch has been in the home warranty business for over 44 years. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. 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.
Cinch Home Services has 3 plans that provide a mix of appliance and system coverage. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the North Patchogue area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read our 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 North Patchogue. HSC has been in the home warranty business for over 15 years. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. 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 Service Club has 2 plans that provide a mix of appliance and system coverage. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the North Patchogue area.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, read our 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 | $6,882 |
| Heating | $4,588 |
| Electrical | $688 |
| Toilets | $573 |
| Washer/Dryer | $918 |
| Plumbing | $688 |
| Oven | $1,835 |
| Fridge | $688 |
A home warranty is a protection plan that assists North Patchogue homeowners cut the high costs of household repairs. These plans provide financial protection to fix or swap out appliances and systems that stop working from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the repair 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 policy gives homeowners a sense of security because it can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties safeguard both your home systems and appliances. Common appliances covered under a home warranty include dryers, microwaves, washers, dishwashers, refrigerators, garbage disposals, and more. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranties also offer add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. Most home warranty plans require North Patchogue homeowners to wait 30 days before the plan will cover repairs. Moreover, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty words to know before signing a contract:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage can have major differences in what's included. Most plans include protection for heating, AC, plumbing, electrical, and appliances. More robust coverage options also offer coverage on other items such as roof leaks, pools, spas, and well pumps. Look for providers with an array of coverage options, such as upgraded plans. You'll want to 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. These per-claim charges can quickly add up, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty businesses have networks of local contractors to handle repairs in your area. Reach out to potential providers to ask how many repair contractors they have in North Patchogue and get an idea for how quickly your repairs might happen in an emergency situation. Wider networks increase the probability of getting qualified contractors to promptly service your home.
Some home warranty providers include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can provide extra value beyond repair coverage. Extra bonuses let you enhance your home and get the most from your home warranty.
North Patchogue’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the repairs, preventing you from spending a lot of money out of pocket.
Along with saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair problems you may have. A home warranty can also provide value in other ways. For example, some policies can be transferred between owners when you sell your home.
Home warranties also have some cons. Although it can save you time when the home warranty sends out a repair person who handles the repair for you, some people may not like this, and they would rather choose a contractor themselves. If that’s the case for you, some home warranty companies let you choose a contractor.
Another possible pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests being denied, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, around $300 to $600 a year in North Patchogue. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. Additionally, it's often 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 protects against normal wear and tear to home systems and appliances. Homeowners insurance protects your home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or stove, unless the damage is due to a natural disaster, which isn't that common in North Patchogue.
Homebuyers, real estate agents, home sellers, landlords, and homeowners can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in North Patchogue include plans that cover either appliances or systems as well as combination plans. A combination plan will cover almost all your systems and appliances, including your washing machine, drier, and plumbing. A plan that only covers appliances or systems 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.
Generally, the homeowner is the one who pays 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 will pay the service fees. In North Patchogue, where the median value of a home is $551,507, having the seller pay for the home warranty can save you some money on your new home.
