Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
Homeownership in Oyster Bay can be satisfying for many, but it also comes with its fair share of difficulties. Repairing your home’s systems and appliances can be an unforeseen financial burden for many homeowners. A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Finding the best protection for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Oyster Bay. Read on for our 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 Oyster Bay residents. Liberty is a home warranty provider with 6 years of experience in the industry, and it has become one of the best providers in the business. Liberty offers 3 plans for you to choose from. 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.
Liberty Home Guard offers 3 plans for Oyster Bay homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered appliance or system.
To read more, visit our thorough review of Liberty Home Guard. To get 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 offers the best overall home warranty for Oyster Bay residents. Choice is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. Choice offers 2 plans for you to choose from. 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.
Choice Home Warranty offers 2 plans for Oyster Bay homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered appliance or system.
To read more, visit our thorough review of Choice Home Warranty. To get 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 offers the most cost-effective home warranty for Oyster Bay residents. Select is a home warranty provider with 11 years of experience in the industry, and it has become one of the best providers in the business. Select offers 3 plans for you to choose from. 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.
Select Home Warranty offers 3 plans for Oyster Bay homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 per covered appliance or system.
To read more, visit our thorough review of Select Home Warranty. To get 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 offers the most customizable home warranty for Oyster Bay residents. AHS is a home warranty provider with 26 years of experience in the industry, and it has become one of the best providers in the business. AHS offers 3 plans for you to choose from. 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.
American Home Shield offers 3 plans for Oyster Bay homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered appliance or system.
To read more, visit our thorough review of American Home Shield. To get 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 offers the home warranty with the best workmanship guarantee for Oyster Bay residents. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. Cinch offers 3 plans for you to choose from. 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.
Cinch Home Services offers 3 plans for Oyster Bay homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 per covered appliance or system.
To read more, visit our thorough review of Cinch Home Services. To get 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 offers the best home warranty with the quickest service for Oyster Bay residents. HSC is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. HSC offers 2 plans for you to choose from. 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 Home Service Club offers 2 plans for Oyster Bay homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered appliance or system.
To read more, visit our thorough review of The Home Service Club. To get 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 | $7,594 |
| Heating | $5,063 |
| Electrical | $759 |
| Toilets | $633 |
| Washer/Dryer | $1,013 |
| Plumbing | $759 |
| Oven | $2,025 |
| Fridge | $759 |
A home warranty is a protection plan that helps Oyster Bay homeowners in reducing the costs of appliance and system repairs. The plans offer financial coverage to replace or fix 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 provider 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 gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are especially useful for older houses or those with aging systems. New homes with up-to-date appliances may not need a home warranty.
Home warranties cover your home systems and appliances. Covered appliances typically include garbage disposals, washers, dishwashers, refrigerators, microwaves, dryers, and others. Covered systems include heating, electrical, plumbing, and air conditioning. Many home warranty companies also provide additional coverage for central vacuums, locksmiths, roof leaks, and septic systems. It's important for Oyster Bay homeowners to know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like natural disasters, pre-existing conditions, cosmetic issues, or improper use of a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by the policy.
Before signing a home warranty contract, you should learn key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies, although most plans include protection for electrical, heating, plumbing, AC, and appliances. More extensive plans may also provide protection for additional items such as spas, well pumps, pools, and roof leaks. Look for companies with varied coverage options, including upgraded plans. This allows you to customize your plan to your home's needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per repair request filed. The per-request costs can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation can give you insight into things such as approval rates, repair timeliness, contractor quality, and customer service. Use review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Contact potential businesses to learn the number of repair professionals they have in Oyster Bay and get an idea of how quickly your repairs could be handled in an emergency. Larger networks raise the chance of getting qualified contractors to promptly service your home.
Certain home warranty providers include perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These bonuses offer extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Since temperatures in Oyster Bay 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 breaks suddenly.
A home warranty also can also save you time and energy. Instead of spending hours finding and selecting a repair person to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. In addition, though home warranty companies vary, some providers will let you transfer your warranty in the event that you sell your home. This can make your home more attractive to potential homebuyers and help your home sell faster.
As for the disadvantages of home warranties, coverage varies by provider, so it’s important to read what each policy covers and excludes in the contract.
Additionally, if you don’t maintain your home systems or appliances properly, or if they were damaged 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 in Oyster Bay can cost between $30 and $60 a month. The higher-priced plans tend to have broader coverage, higher coverage limits, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects your entire home from natural disasters, which can sometimes be a concern in Oyster Bay. It doesn't cover a typical appliance or system damage.
Homebuyers, home sellers, real estate agents, homeowners, and landlords are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
A home warranty policy can cover your home’s appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
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 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 Oyster Bay, where the median value of a home is $809,259, having the seller pay for the home warranty can save you some money on your new home.
