Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated May 2024
Buying a home is a big step in many people’s lives, but the cost of maintaining it can be expensive over time, especially if your home in Sayville is on the older side. A home warranty can bring you the peace of mind you need and guard your bank account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market is saturated with a variety of providers — all with different price points — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Sayville.
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 is the most trustworthy home warranty in Sayville. Liberty has over 6 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals nationwide. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 for each covered appliance or system.
For a more detailed breakdown, read our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can 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
Choice Home Warranty is the best overall home warranty in Sayville. Choice has over 15 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals nationwide. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered appliance or system.
For a more detailed breakdown, read our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can 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
Select Home Warranty is the most cost-effective home warranty in Sayville. Select has over 11 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals nationwide. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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.
There are 3 home warranty plans from Select Home Warranty: 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 around $2,000 for each covered appliance or system.
For a more detailed breakdown, read our review of Select Home Warranty. To get a free quote from Select Home Warranty, you can 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
American Home Shield is the most customizable home warranty in Sayville. AHS has over 26 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals nationwide. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered appliance or system.
For a more detailed breakdown, read our review of American Home Shield. To get a free quote from American Home Shield, you can 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Sayville. Cinch has over 44 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals nationwide. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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.
There are 3 home warranty plans from Cinch Home Services: 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 around $1,000-$2,000 for each covered appliance or system.
For a more detailed breakdown, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, you can 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
The Home Service Club is the best home warranty with the quickest service in Sayville. HSC has over 15 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals nationwide. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible. 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.
There are 2 home warranty plans from The Home Service Club: 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 around $2,000 for each covered appliance or system.
For a more detailed breakdown, read our review of The Home Service Club. To get a free quote from The Home Service Club, you can 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 | $7,347 |
| Heating | $4,898 |
| Electrical | $735 |
| Toilets | $612 |
| Washer/Dryer | $980 |
| Plumbing | $735 |
| Oven | $1,959 |
| Fridge | $735 |
A home warranty is a protection plan that helps Sayville homeowners cut the costs of appliance and system repairs. The plans provide financial coverage to fix or replace appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who live in older homes or ones with outdated systems. Newer homes with modern appliances probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are garbage disposals, washers, dishwashers, refrigerators, dryers, microwaves, and more. Included systems are usually electrical, air conditioning, plumbing, and heating. Many home warranty companies provide add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. Sayville homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Here are some essential home warranty terms to learn before signing a contract:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty policies differ significantly in terms of coverage. Most plans provide protection for AC, electrical, heating, plumbing, and appliances. More comprehensive options also offer protection for other items such as well pumps, pools, roof leaks, and spas. Look for companies with varied coverage options, including upgraded plans. This helps you tailor protection to your needs.
You'll pay a service fee, typically $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 providers advertising lower service fees to optimize savings on each repair claim. Certain companies may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Look at review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about companies. Good ratings and feedback suggest a company known for delivering quality service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Reach out to potential providers to ask how many repair professionals they have in Sayville and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks increase the likelihood of getting qualified contractors to quickly service your home.
Some home warranty companies include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These extras can offer extra value beyond repair coverage. Added bonuses allow you to enhance your home and get the most from your home warranty.
Home warranty plans are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Sayville reaching an average high of 55℃F, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system stop working.
Plus, having a home warranty can save you time by eliminating the need to research technicians — most providers will send a trusted professional right to your door to do the repair or replacement. Plus, having a home warranty can make your house more attractive to potential homebuyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you’ve been getting.
One drawback of buying a home warranty is that there are generally exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it’s important to read over the contracts you’re considering carefully to get a sense of what is included and what isn’t.
Another downside is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Sayville can cost between $30 and $60 a month. Higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some providers will also decrease your up-front costs when you opt for 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 covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects your home in a situation such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim if you need a new refrigerator or stove, unless the damage is a result of a natural disaster, which isn't that common in Sayville.
A home warranty plan can help real estate agents, investors, homeowners, homebuyers, and home sellers. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty plan can cover your 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 typically provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Usually the one who owns the home pays for the home warranty. In some cases, however, the home seller 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. Considering that the average home value in Sayville is $644,426, a home warranty can save you some money when buying a home.
