Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Although homeownership in Philipstown has many perks — such as being surrounded by nature — there are also not so glamorous sides. One major headache many homeowners have to deal with inevitably is updating or repairing their home appliances and systems. A home warranty can help protect homebuyers and current homeowners by cutting the costs of major repairs and replacements on your home’s most important appliances and systems.
The home warranty market has many providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Philipstown.
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 Philipstown, Liberty Home Guard is the most trustworthy home warranty. 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. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 for each covered system or appliance.
For a more detailed breakdown, read our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 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
In Philipstown, Choice Home Warranty is the best overall home warranty. 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. Choice has 2 simple plans, making the selection process and policy coverage easily understandable.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered system or appliance.
For a more detailed breakdown, read our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
In Philipstown, Select Home Warranty is the most cost-effective home warranty. 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. Select has 3 simple plans, making the selection process and policy coverage easily understandable.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 for each covered system or appliance.
For a more detailed breakdown, read our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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
In Philipstown, American Home Shield is the most customizable home warranty. 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. AHS has 3 simple plans, making the selection process and policy coverage easily understandable.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 for each covered system or appliance.
For a more detailed breakdown, read our review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or give them a call at 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
In Philipstown, Cinch Home Services is the home warranty with the best workmanship guarantee. 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. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered system or appliance.
For a more detailed breakdown, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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
In Philipstown, The Home Service Club is the best home warranty with the quickest service. 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. HSC has 2 simple plans, making the selection process and policy coverage easily understandable.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 for each covered system or appliance.
For a more detailed breakdown, read our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,765 |
| Heating | $4,510 |
| Electrical | $676 |
| Toilets | $564 |
| Washer/Dryer | $902 |
| Plumbing | $676 |
| Oven | $1,804 |
| Fridge | $676 |
A home warranty is a protection plan that helps Philipstown homeowners cut the costs of appliance and system repairs. The plans provide financial coverage to repair 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 provider then finds 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 to homeowners, as it helps prevent costly emergency repairs. Home warranties are the most useful for older construction homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include garbage disposals, refrigerators, dishwashers, microwaves, washers, dryers, and more. Covered systems are typically electrical, heating, plumbing, and air conditioning. Many home warranty companies provide add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Philipstown should understand that 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, pre-existing conditions, natural disasters, or improperly using a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
There are multiple home warranty terms to understand 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 vary widely in terms of included coverage. Basic policies typically cover heating, electrical, AC, plumbing, and appliances, while more comprehensive options may also cover well pumps, spas, roof leaks, and pools. Focus on companies with broad coverage options 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 repair fee that typically ranges between $60 and $100, which gets paid per service call made. These per-claim charges can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some companies 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 claim approval rates, repair speed, contractor expertise, and customer satisfaction. Check review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about providers. Positive ratings and feedback suggest a company known for providing quality service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Reach out to potential companies to learn the number of repair professionals they have in Philipstown and get an idea of how fast your repairs could be handled in an emergency. Larger networks improve the likelihood of getting qualified contractors to swiftly service your home.
Home warranty providers may offer perks such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These can add value beyond just repair coverage. Additional perks maximize the usefulness of your home warranty.
Philipstown’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, preventing you from spending a lot of money out of pocket.
Not only does a home warranty give you some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. Another added benefit of having home warranty coverage is that it can raise your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
One of the major drawbacks of a home warranty is not everything may be covered. It’s important to research the different plans and purchase 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 most likely won’t cover home systems or appliances that need repairs or replacements due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Philipstown. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects your entire home from natural disasters, which might not be too much of a concern in Philipstown. It doesn't cover a typical appliance or system repairs.
A home warranty policy can help real estate agents, home sellers, homebuyers, homeowners, and investors. It can provide peace of mind and savings to anyone involved in homeownership.
The different home warranties in Philipstown include plans that cover either appliances or systems as well as combination plans. A combination plan covers your systems and appliances, such as your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the items listed in the plan.
Home warranty plans typically provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Usually, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Philipstown, where the median home value is $479,235, having the seller pay for the home warranty can be a good asset for your new home.
