Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Rye can be gratifying for many, but it also comes with its fair share of difficulties. Updating your home’s appliances and systems can be an unforeseen financial burden for many homeowners. A home warranty can give you the peace of mind you need and shield your bank account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be quite a challenge because of the numerous options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide on the top home warranty providers in Rye.
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 Rye, Liberty Home Guard is the most trustworthy home warranty. Liberty is a home warranty provider with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. 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. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read more by visiting our detailed review of Liberty Home Guard.
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 Rye, Choice Home Warranty is the best overall home warranty. Choice is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. 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. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting our detailed review of Choice Home Warranty.
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 Rye, Select Home Warranty is the most cost-effective home warranty. Select is a home warranty provider with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options. 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. The coverage caps associated with Select’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting our detailed review of Select Home Warranty.
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 Rye, American Home Shield is the most customizable home warranty. AHS is a home warranty provider with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our detailed review of American Home Shield.
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 Rye, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch is a home warranty provider with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. 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. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our detailed review of Cinch Home Services.
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 Rye, The Home Service Club is the best home warranty with the quickest service. HSC is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. 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. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our detailed review of The Home Service Club.
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 | $7,811 |
| Heating | $5,207 |
| Electrical | $781 |
| Toilets | $651 |
| Washer/Dryer | $1,041 |
| Plumbing | $781 |
| Oven | $2,083 |
| Fridge | $781 |
A home warranty is a protection plan that helps lower expenses for Rye homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that stop working due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives security for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who own older homes or ones with outdated systems. More modern builds with working fixtures probably don’t require a home warranty.
Home warranties protect your household systems and appliances. Typical covered appliances are microwaves, washers, dryers, refrigerators, dishwashers, garbage disposals, and others. Covered systems include electrical, heating, air conditioning, and plumbing. Various home warranty plans offer add-on coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Most home warranty plans require Rye homeowners to refrain from making claims for 30 days before the plan will cover repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty words to understand before signing a contract:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans include protection for heating, electrical, plumbing, AC, and appliances. More comprehensive options may also include additional items such as roof leaks, well pumps, spas, and pools. Look for providers with flexible coverage choices, including upgraded plans. This helps you customize your plan to your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for companies advertising more affordable 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 provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Read through review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about companies. Positive reviews and ratings suggest a company known for delivering quality service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. Wider networks raise the probability of getting qualified contractors to your home quickly. Reach out to possible providers to learn how many technicians they have in Rye. This helps you understand how long repairs might take in an urgent situation.
Some home warranty providers may include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These can offer extra value beyond just repair coverage. Added bonuses help you enhance your home and get the most from your home warranty.
Since temperatures in Rye can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
A home warranty also can also save you time and energy. Instead of spending hours finding and selecting a technician to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. In addition, though it varies by company, some providers will allow you to transfer your warranty if you sell your home. This can make your house more attractive to potential homebuyers and maybe even help your home sell faster.
One downside of getting a home warranty is that there are often exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it’s important to read over the contracts you’re considering carefully to understand what is included and what isn’t.
Plus, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Rye can cost anywhere from $30 to $60 a month. Higher-priced plans usually have a lower service fee, higher coverage limits, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some companies will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty policies cover problems with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects an entire home from natural disasters, which can sometimes be a concern in Rye. It doesn't cover a normal appliance or system breakage.
A home warranty can help homebuyers, investors, homeowners, home sellers, and real estate agents. It can provide peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Rye include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your home systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items listed in the plan.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Usually, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Rye, where the median home value is $974,988, having the seller pay for the home warranty can save you some money on your new home.
