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 homeownership in Peekskill, there's always that fear about whether your systems and appliances are going to need repairs over the next few years. A home warranty can give you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major systems and appliances.
The home warranty market is saturated with a variety of providers — all with different offerings — so the Today's Homeowner team has done the research to help you choose the best home warranty companies in Peekskill.
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 Peekskill, Liberty Home Guard is the most trustworthy home warranty. Liberty has around 6 years of industry experience and in that time has built a an expansive network of service professionals nationwide. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. 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 about $3,000.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our Liberty Home Guard Review 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 Peekskill, Choice Home Warranty is the best overall home warranty. Choice has around 15 years of industry experience and in that time has built a an expansive network of service professionals nationwide. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. 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 about $3,000.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our Choice Home Warranty Review 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 Peekskill, Select Home Warranty is the most cost-effective home warranty. Select has around 11 years of industry experience and in that time has built a an expansive network of service professionals nationwide. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. 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 about $2,000.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our Select Home Warranty Review 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 Peekskill, American Home Shield is the most customizable home warranty. AHS has around 26 years of industry experience and in that time has built a an expansive network of service professionals nationwide. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. 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 about $2,500.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our American Home Shield Review 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 Peekskill, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has around 44 years of industry experience and in that time has built a an expansive network of service professionals nationwide. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. 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 about $1,000-$2,000.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our Cinch Home Services Review 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 Peekskill, The Home Service Club is the best home warranty with the quickest service. HSC has around 15 years of industry experience and in that time has built a an expansive network of service professionals nationwide. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. 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, you’ll want to have this plan on your side. 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 about $2,000.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our The Home Service Club Review 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 | $7,304 |
| Heating | $4,869 |
| Electrical | $730 |
| Toilets | $609 |
| Washer/Dryer | $974 |
| Plumbing | $730 |
| Oven | $1,948 |
| Fridge | $730 |
A home warranty is a protection plan that helps Peekskill homeowners reduce the expenses of appliance and system repairs. The plans provide coverage to fix or swap out 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 company then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty policy gives homeowners peace of mind and can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties cover many home systems and appliances. Common covered appliances include dryers, microwaves, washers, dishwashers, garbage disposals, refrigerators, and more. Covered systems include air conditioning, electrical, plumbing, and heating. Various home warranty plans offer extra coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Peekskill homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
There are multiple home warranty terms to learn before signing an agreement, including:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranties have significant variation in what they include. Basic plans typically include electrical, heating, AC, plumbing, and appliances, while more comprehensive plans may also cover spas, well pumps, roof leaks, and pools. Focus on companies with an expansive array of coverage choices including upgraded plans. This flexibility enables you to 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 is paid per repair request filed. The per-request costs can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some firms also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation can provide insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Browse review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty providers maintain networks of local contractors to handle repairs in your area. Contact potential providers to learn how many repair contractors they have in Peekskill and get an idea for how fast your repairs could take place in an emergency situation. Bigger networks raise the chances of getting qualified contractors to swiftly service your home.
Certain home warranty companies offer extras such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These offer extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Since temperatures in Peekskill can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances stops working all of a sudden.
Plus, having a home warranty can save you time by getting rid of the need to research repair people — most providers will send a trusted professional right to your door to do the repair or replacement. Another good thing about having a home warranty is while selling your home, you can most likely transfer your home warranty plan to the new owners. This can make your home more attractive to potential homebuyers and help your house sell faster.
As for the drawbacks of home warranties, coverage varies by provider, so it’s important to review what each plan covers and excludes in the contract.
Another drawback is that home warranties may not include some repairs, such as those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty plan costs, on average, around $300 to $600 a year in Peekskill. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's typically 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 plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in a situation such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Peekskill.
A home warranty plan can help homebuyers, real estate agents, home sellers, homeowners, and investors. It can offer peace of mind to anyone involved in homeownership.
The different home warranties in Peekskill include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover almost all your systems and appliances, such as your washing machine, drier, and plumbing. An appliance or system plan will cover only the specific items mentioned in the plan.
Home warranty plans typically offer coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Typically, the person who owns the home pays for the home warranty. In some cases, however, the one selling the home 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. Since the average home value in Peekskill is $444,014, a home warranty can be an added asset when buying a home.
