Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Ronkonkoma can be exciting for many, but it also comes with its fair share of headaches. Updating your home’s appliances and systems can be an unexpected financial burden for many homeowners. A home warranty in Ronkonkoma can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
The home warranty market is saturated with many providers — all with different plans — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Ronkonkoma.
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 Ronkonkoma, Liberty Home Guard is the most trustworthy home warranty. When you purchase a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 home warranty plans that Liberty offers include options for appliance and system coverage.
Liberty Home Guard offers 3 plans for Ronkonkoma homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $75.
Read our Liberty Home Guard full review to learn more. 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
In Ronkonkoma, Choice Home Warranty is the best overall home warranty. When you purchase a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 home warranty plans that Choice offers include options for appliance and system coverage.
Choice Home Warranty offers 2 plans for Ronkonkoma homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $85.
Read our Choice Home Warranty full review to learn more. 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
In Ronkonkoma, Select Home Warranty is the most cost-effective home warranty. When you purchase a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 home warranty plans that Select offers include options for appliance and system coverage.
Select Home Warranty offers 3 plans for Ronkonkoma homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $60.
Read our Select Home Warranty full review to learn more. 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
In Ronkonkoma, American Home Shield is the most customizable home warranty. When you purchase a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 home warranty plans that AHS offers include options for appliance and system coverage.
American Home Shield offers 3 plans for Ronkonkoma homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
Read our American Home Shield full review to learn more. 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
In Ronkonkoma, Cinch Home Services is the home warranty with the best workmanship guarantee. When you purchase a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 home warranty plans that Cinch offers include options for appliance and system coverage.
Cinch Home Services offers 3 plans for Ronkonkoma homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance 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 be sure to check with the company. Service fees are customizable and range from $75 to $150.
Read our Cinch Home Services full review to learn more. 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
In Ronkonkoma, The Home Service Club is the best home warranty with the quickest service. When you purchase a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 home warranty plans that HSC offers include options for appliance and system coverage.
The Home Service Club offers 2 plans for Ronkonkoma homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
Read our The Home Service Club full review to learn more. 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 | $7,239 |
| Heating | $4,826 |
| Electrical | $724 |
| Toilets | $603 |
| Washer/Dryer | $965 |
| Plumbing | $724 |
| Oven | $1,930 |
| Fridge | $724 |
A home warranty is a protection plan that assists Ronkonkoma homeowners cut the expenses of appliance and system repairs. The plans provide financial coverage to repair or swap out appliances and systems that break down 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 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 because it helps prevent expensive emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties cover many home systems and appliances. Covered appliances typically include microwaves, dishwashers, garbage disposals, dryers, washers, refrigerators, and others. Covered systems include heating, air conditioning, electrical, and plumbing. Many home warranty companies also offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. It's important for Ronkonkoma homeowners to know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, natural disasters, pre-existing conditions, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by the policy.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans include protection for plumbing, AC, heating, electrical, and appliances. More inclusive options also cover other items such as roof leaks, pools, well pumps, and spas. Look for providers with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain providers may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation gives insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Complimentary reviews and ratings indicate a provider known for stellar service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Reach out to potential businesses to ask how many repair professionals they have in Ronkonkoma and get an idea of how quickly your repairs could be handled in an emergency. Wider networks raise the probability of getting qualified contractors to quickly service your home.
Some home warranty plans include extras such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These perks add value beyond just repair coverage. Added bonuses maximize the usefulness of the home warranty.
Temperatures in Ronkonkoma 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 Ronkonkoma, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
Additionally, having a home warranty can save you time by eliminating the need to research service technicians — most companies will send a trusted professional right to your door to complete the repair or replacement. A home warranty can also offer value in other ways. For example, some policies can be transferred between owners when you sell your home.
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 homeowners may not like this, and they would rather choose a contractor themselves. If that’s important to you, some home warranty companies let you choose a contractor.
Another thing to keep in mind is that some providers don’t cover pre-existing problems and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about these things if you need more information or if this is an issue for you.
A home warranty costs, on average, about $300 to $600 a year in Ronkonkoma. 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 choosing a higher service fee. In addition, it's often less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan helps protect against normal wear and tear to home systems and appliances. Homeowners insurance protects your home in case of something such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim should you need a new washing machine or oven, unless the damage is a result of a natural disaster, which isn't that common in Ronkonkoma.
First-time homebuyers, homeowners, landlords, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty will cover your home’s appliances, systems, or both. Combination plans are beneficial if you'd like 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.
Home warranty plans generally offer coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Generally, 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 will pay the service fees. In Ronkonkoma, where the median home value is $534,614, having the seller pay for the home warranty can save you some money on your new home.
