Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Oyster Bay can be satisfying for many people, but it also comes with its fair share of headaches. Updating your home’s systems and appliances can be an unforeseen financial burden for many homeowners. A home warranty in Oyster Bay can help bring down your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that stop working due to normal wear and tear.
Finding the best home warranty on the market can be challenging, as there are lots of companies to decide between. That’s why the Today's Homeowner team did the research and made a list of the top home warranty companies in Oyster Bay 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
Liberty Home Guard offers the most trustworthy home warranty for Oyster Bay residents. Liberty has been in business for about 6 years, making it a well-regarded company in the industry. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that offer a mix of appliance and system coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $75.
Read more by visiting our review of Liberty Home Guard. 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 Oyster Bay residents. Choice has been in business for about 15 years, making it a well-regarded company in the industry. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it 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 offer a mix of appliance and system coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $85.
Read more by visiting our review of Choice Home Warranty. 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 Oyster Bay residents. Select has been in business for about 11 years, making it a well-regarded company in the industry. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it 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 offer a mix of appliance and system coverage. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $60.
Read more by visiting our review of Select Home Warranty. 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 Oyster Bay residents. AHS has been in business for about 26 years, making it a well-regarded company in the industry. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.
Read more by visiting our review of American Home Shield. 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 Oyster Bay residents. Cinch has been in business for about 44 years, making it a well-regarded company in the industry. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
Read more by visiting our review of Cinch Home Services. 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 Oyster Bay residents. HSC has been in business for about 15 years, making it a well-regarded company in the industry. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it 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 offer a mix of appliance and system coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
Read more by visiting our review of The Home Service Club. 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 | $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 policy that assists Oyster Bay homeowners lower the costs of appliance and system repairs. The plans offer financial coverage to fix or replace appliances and systems that stop working 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 fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are particularly useful for older construction homes with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties protect many home systems and appliances. Typical covered appliances are garbage disposals, microwaves, dryers, refrigerators, washers, dishwashers, and more. Protected systems include plumbing, electrical, air conditioning, and heating. Various home warranty plans offer add-on coverage for central vacuums, septic systems, roof leaks, and even locksmiths. It's important for Oyster Bay homeowners to understand 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, natural disasters, pre-existing conditions, or misusing a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Here are some key home warranty words to know before signing a contract:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans include protection for heating, electrical, plumbing, AC, and appliances. More extensive plans may also include other things such as spas, well pumps, roof leaks, and pools. Focus on companies with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize your plan to meet your home's needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per service call made. The costs from multiple fees can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty provider's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Read through review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about companies. Good reviews and ratings suggest a company known for quality service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Reach out to potential providers to ask how many repair technicians they have in Oyster Bay and get an idea of how quickly 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 companies may include perks such as smart home device coverage, energy efficiency upgrades, and reduced maintenance fees. These extras can offer extra value beyond repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
Temperatures in Oyster Bay can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a good bit of use. As a homeowner in Oyster Bay, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
Not to mention, having a home warranty can save you some time by eliminating the need to research repair people — most companies will send a trusted professional right to your door to complete the necessary repair or replacement. Another good thing about having a home warranty is while selling your home, you can most likely transfer your home warranty policy to the new owners. This can make your house more attractive to potential homebuyers and may help your home sell faster.
There are also some negatives to purchasing a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another drawback is that home warranties may not include some repairs, such as those needed because of natural disasters. For example, if your house floods, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Oyster Bay can cost anywhere from $30 to $60 a month. Higher-priced plans usually have broader coverage, higher coverage limits, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some providers will also decrease 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 related to 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 an entire home from natural disasters, which can sometimes be a concern in Oyster Bay. It doesn't cover a normal appliance or system repairs.
First-time homebuyers, home sellers, real estate agents, landlords, and homeowners can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
A home warranty policy will cover your home’s systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some providers may offer month-to-month options.
In general, the homeowner is responsible for paying 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. In Oyster Bay, where the median home value is $809,259, having the seller pay for the home warranty can be a good asset for your new home.
