Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Port Chester offers homeowners some beautiful housing options. However, unexpected repair and replacement costs on your home’s systems and appliances can get quite costly. A home warranty can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Choosing the best home warranty on the market can be quite a challenge because of the sheer number of options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide on the best home warranty companies in Port Chester.
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 Port Chester. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Port Chester area.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For more information on this provider, read our Liberty Home Guard full review.
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 Port Chester. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Port Chester area.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For more information on this provider, read our Choice Home Warranty full review.
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 Port Chester. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Port Chester area.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information on this provider, read our Select Home Warranty full review.
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 Port Chester. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Port Chester area.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information on this provider, read our American Home Shield full review.
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 Port Chester. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Port Chester area.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information on this provider, read our Cinch Home Services full review.
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 Port Chester. 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, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Port Chester area.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information on this provider, read our The Home Service Club full review.
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 | $7,624 |
| Heating | $5,083 |
| Electrical | $762 |
| Toilets | $635 |
| Washer/Dryer | $1,017 |
| Plumbing | $762 |
| Oven | $2,033 |
| Fridge | $762 |
A home warranty is a protection plan that assists Port Chester homeowners cut the costs of appliance and system repairs. The plans offer financial coverage to repair or swap out appliances and systems that malfunction 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 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 delivers security for homeowners by helping them avoid expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with aging systems. Newer builds with working appliances probably don’t need a home warranty.
Home warranties safeguard your home systems and appliances. Common covered appliances include dishwashers, refrigerators, garbage disposals, microwaves, washers, dryers, and more. Covered systems include plumbing, air conditioning, heating, and electrical. Many home warranties offer additional add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. It's important for Port Chester homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like pre-existing conditions, natural disasters, cosmetic issues, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by your policy.
There are several home warranty terms to learn before signing an agreement, including:
There are several important considerations when selecting a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans cover plumbing, electrical, heating, AC, and appliances. More inclusive options also extend protection to other items such as roof leaks, spas, well pumps, and pools. Look for a provider that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a provider with more affordable fees to maximize savings on every claim. Some providers also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation gives you insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Reach out to potential companies to ask how many repair technicians they have in Port Chester and get an idea of how fast your repairs could be handled in an emergency. Bigger networks raise the likelihood of getting qualified contractors to promptly service your home.
Some home warranty companies include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These can provide extra value beyond repair coverage. Added bonuses help you enhance your home and get the most from your warranty policy.
Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Port Chester reaching an average high of 58℃F, you may find that some appliances, such as your air conditioning unit, get a lot of use. A home warranty can considerably decrease out-of-pocket costs should your HVAC system break down.
On top of saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair issues you may experience. Plus, having a home warranty can make your house more appealing to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you’ve been benefiting from.
Home warranties also have some cons. Though it can be convenient that the home warranty sends out a contractor who handles the repair for you, some people may not like this, and they would rather choose their own contractor. If that’s the case for you, some home warranty companies let you select a contractor.
In addition, if you don’t maintain your home systems or appliances properly, or if they need repairs 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 Port Chester can cost between $30 and $60 a month. Higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in case of something such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or stove, unless the damage is due to a natural disaster, which is somewhat common in Port Chester.
A home warranty can help investors, home sellers, homeowners, homebuyers, and real estate agents. It can offer peace of mind to anyone involved with homeownership.
A home warranty plan will cover your home’s systems, appliances, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Home warranty plans typically last a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
Usually the homeowner is responsible for paying for the home warranty. In some cases, however, the home seller may purchase 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. Considering that the average home value in Port Chester is $607,450, a home warranty can save you some money when buying a home.
