Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home can have many perks, but it can also come with some downsides like maintenance. The older your house’s systems and appliances are, the more you may want to consider getting a home warranty. A home warranty can offer you the peace of mind you need and protect your bank account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market is filled with a lot of providers — all with different price points — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in 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 offers the most trustworthy home warranty in Patchogue. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard 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.
Read our detailed review of Liberty Home Guard to learn more. 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 in Patchogue. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000.
Read our detailed review of Choice Home Warranty to learn more. 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 in Patchogue. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty 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.
Read our detailed review of Select Home Warranty to learn more. 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 in Patchogue. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield 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.
Read our detailed review of American Home Shield to learn more. 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 in Patchogue. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services 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.
Read our detailed review of Cinch Home Services to learn more. 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 in Patchogue. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club 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.
Read our detailed review of The Home Service Club to learn more. 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 | $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 helps Patchogue homeowners in reducing the costs of appliance and system repairs. The plans provide financial coverage to swap out or repair appliances and systems that break down due to normal wear and tear.
When something stops working, you file 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 go over the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are particularly useful for older construction homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties help protect both your home systems and appliances. Common covered appliances include refrigerators, dishwashers, garbage disposals, microwaves, washers, dryers, and more. Covered systems include electrical, plumbing, heating, and air conditioning. Many home warranty plans also offer add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. It's important for Patchogue homeowners to understand most home warranty plans have a waiting period of 30 days 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.
Home warranty contracts use several terms that you'll want to know before signing, such as:
There are several key factors to consider when selecting a home warranty provider:
Home warranties differ greatly in the items covered. Basic plans typically cover plumbing, AC, heating, electrical, and appliances, while more comprehensive options may also cover roof leaks, spas, well pumps, and pools. Look for providers with varied coverage options, including upgraded plans. This helps you customize your plan to your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for 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 track record gives you insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive ratings and reviews indicate a company known for stellar service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. More extensive networks increase the likelihood of getting skilled contractors to your home swiftly. Contact possible providers to ask how many repair professionals they have in Patchogue to understand how long repairs might take in an urgent situation.
Certain home warranty companies offer perks such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These provide extra value beyond repair coverage. Extra perks help improve your home and maximize your home warranty.
Since temperatures in Patchogue can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty can help homeowners save money if one of these systems or appliances stops working suddenly.
Not to mention, having a home warranty can save you time by eliminating the need to research technicians — most providers will send a trusted professional right to your door to do the repair or replacement. Additionally, having a home warranty can help make your house more attractive to potential homebuyers should 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 benefiting from.
One of the main drawbacks of a home warranty is not everything you care about may be covered. It’s important to weigh the different policies and get one that covers all the appliances, systems, and add-ons you need.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They commonly won’t cover systems or appliances that have been damaged due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty costs, on average, around $300 to $600 a year in Patchogue. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's usually 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 helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of a situation such as a fire or natural disaster. With homeowners insurance, you will not be able to file a claim if you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which isn't that common in Patchogue.
First-time homebuyers, real estate agents, homeowners, landlords, and home sellers can all get 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 Patchogue include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your systems and appliances, such as your dishwasher, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the contract.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Typically, the person who owns the home pays for the home warranty. In some cases, however, the home seller may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Patchogue is $507,388, a home warranty can save you some money when buying a home.
