Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a house can have lots of perks, but it can also come with some negatives like maintenance. The older your house’s systems and appliances are, the more likely it is that you'll benefit from a home warranty. A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
The home warranty market has many providers — all with different coverage — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Valley Cottage.
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 Valley Cottage, Liberty Home Guard offers the most trustworthy home warranty. The 3 plans that Liberty offers include options for appliance and system coverage. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a mix of appliance and system coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Valley Cottage area.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our 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 Valley Cottage, Choice Home Warranty offers the best overall home warranty. The 2 plans that Choice offers include options for appliance and system coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Valley Cottage area.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our 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 Valley Cottage, Select Home Warranty offers the most cost-effective home warranty. The 3 plans that Select offers include options for appliance and system coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Valley Cottage area.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our 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 Valley Cottage, American Home Shield offers the most customizable home warranty. The 3 plans that AHS offers include options for appliance and system coverage. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Valley Cottage area.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our 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 Valley Cottage, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 plans that Cinch offers include options for appliance and system coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a mix of appliance and system coverage. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Valley Cottage area.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our 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 Valley Cottage, The Home Service Club offers the best home warranty with the quickest service. The 2 plans that HSC offers include options for appliance and system coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Valley Cottage area.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our 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 | $7,016 |
| Heating | $4,677 |
| Electrical | $702 |
| Toilets | $585 |
| Washer/Dryer | $935 |
| Plumbing | $702 |
| Oven | $1,871 |
| Fridge | $702 |
A home warranty is a protection plan that assists Valley Cottage homeowners lower the high costs of household repairs. These plans offer financial coverage to fix or swap out appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty plan gives homeowners peace of mind because it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties protect your household systems and appliances. Typical covered appliances include microwaves, dryers, dishwashers, garbage disposals, washers, refrigerators, and more. Protected systems include heating, air conditioning, electrical, and plumbing. Various home warranty plans offer add-on coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Most home warranty plans require Valley Cottage 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 cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty terms to learn before signing a contract:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty plans can have major differences in covered items. Most plans provide protection for plumbing, heating, electrical, AC, and appliances. More robust plans also include coverage for other items such as spas, well pumps, roof leaks, and pools. Focus on providers with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize your plan to meet your home's needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for companies advertising more affordable 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 company's reputation gives insight into things such as contractor quality, approval rates, repair timeliness, and customer service. Use review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a company known for exceptional service.
Home warranty businesses maintain networks of local technicians to handle repairs in your area. Reach out to potential providers to learn how many repair technicians they have in Valley Cottage and get an idea for how quickly your repairs could take place in an emergency situation. Bigger networks increase the likelihood of getting qualified contractors to quickly service your home.
Home warranty providers might offer bonuses such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These extras can add value beyond repair coverage. Added perks maximize the usefulness of the home warranty.
Since temperatures in Valley Cottage can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Having a home warranty can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
As well as saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair problems you may come across. Another benefit of having a home warranty is if you want to sell your home, some providers let you transfer your home warranty plan to the new owners. This can make your house more attractive to potential homebuyers and may help your house sell faster.
One drawback of buying a home warranty is that there are usually exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it’s important to read over the contracts you’re considering thoroughly to understand what is included and what isn’t.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won’t cover home systems or appliances that have been damaged due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty in Valley Cottage can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have broader coverage, higher coverage limits, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some companies 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 kinds of damage each covers. A home warranty helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects your home in a situation such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or oven, unless the damage is a result of a natural disaster, which isn't that common in Valley Cottage.
A home warranty plan can help homebuyers, real estate agents, home sellers, investors, and homeowners. It can provide peace of mind and savings to anyone involved with homeownership.
A home warranty policy can cover your home’s appliances, systems, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
In general, the homeowner is the one who pays 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 Valley Cottage, where the median value of a home is $568,948, having the seller pay for the home warranty can be a good asset for your new home.
