Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
As much as you may enjoy owning a home in Ossining, there's always that worry about whether your appliances and systems are going to make it through the next few years. A home warranty is a way to protect your bank account from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Finding the best home warranty on the market can be time-consuming, as there are lots of companies to choose from. That’s why the Today's Homeowner team did the research and put together a list of the best home warranty companies in Ossining 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
In Ossining, Liberty Home Guard is the most trustworthy home warranty. Liberty offers 3 plans for homeowners to decide between. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the plan for you. 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. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000 at the maximum.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our 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
In Ossining, Choice Home Warranty is the best overall home warranty. Choice offers 2 plans for homeowners to decide between. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. 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. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000 at the maximum.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our 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
In Ossining, Select Home Warranty is the most cost-effective home warranty. Select offers 3 plans for homeowners to decide between. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the plan for you. 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. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000 at the maximum.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our 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
In Ossining, American Home Shield is the most customizable home warranty. AHS offers 3 plans for homeowners to decide between. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. 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. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500 at the maximum.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our 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
In Ossining, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch offers 3 plans for homeowners to decide between. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally about $1,000-$2,000 at the maximum.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our 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
In Ossining, The Home Service Club is the best home warranty with the quickest service. HSC offers 2 plans for homeowners to decide between. 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, this is the plan for you. 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. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally about $2,000 at the maximum.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our 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 | $7,633 |
| Heating | $5,089 |
| Electrical | $763 |
| Toilets | $636 |
| Washer/Dryer | $1,018 |
| Plumbing | $763 |
| Oven | $2,036 |
| Fridge | $763 |
A home warranty is a protection plan that helps Ossining homeowners lower the expenses of appliance and system repairs. The plans provide coverage to repair or swap out appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who live in older homes or ones with outdated systems. Newer homes with working appliances probably don’t require a home warranty.
Home warranties protect your household systems and appliances. Common covered appliances include refrigerators, washers, garbage disposals, microwaves, dishwashers, dryers, and more. Protected systems include electrical, heating, air conditioning, and plumbing. Many home warranty plans offer additional coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Most home warranty plans require Ossining homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Additionally, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, 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 key considerations when choosing a home warranty provider:
Home warranty coverage varies, although most plans include protection for heating, AC, plumbing, electrical, and appliances. More comprehensive options may also cover extra things such as well pumps, pools, roof leaks, and spas. Look for companies with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies with lower service fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Read through review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about companies. Positive reviews and ratings suggest a company known for quality service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Contact potential companies to ask how many repair technicians they have in Ossining and get an idea of how fast your repairs could be handled in an emergency. Larger networks increase the probability of getting qualified contractors to promptly service your home.
Certain home warranty companies offer perks such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These can offer extra value beyond repair coverage. Extra perks can enhance your home and help maximize your home warranty.
Temperatures in Ossining 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 Ossining, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of vetting technicians by yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Plus, having a home warranty can make your house more appealing to potential homebuyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been getting.
Home warranties also have some cons. While it can save you time when the home warranty sends out a repair technician who takes care of the repair for you, some people may not like this, and they may want to choose a contractor themselves. If that’s important to you, some home warranty providers let you choose a contractor.
Another thing to keep in mind is that some providers don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty provider for clarification about it if you aren’t sure or if this is a problem for you.
A home warranty in Ossining can cost anywhere from $30 to $60 a month. Higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some providers will also lower your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover issues with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different plan that protects the entire home from natural disasters, which can sometimes be a concern in Ossining. It doesn't cover a typical appliance or system breakage.
First-time homebuyers, home sellers, landlords, real estate agents, 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.
A home warranty plan can cover your 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 useful if you want to save some money.
Home warranty plans typically last a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, though, the home seller may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Ossining is $798,684, a home warranty can be an added asset when buying a home.
