Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in White Plains can be costly, particularly as your home ages and your appliances and systems need to be repaired or replaced. A home warranty in White Plains can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
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 to the best home warranty companies in White Plains.
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 White Plains, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in the home warranty business for around 6 years. Liberty has 3 simple plans, making the selection process easy. 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 combination of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
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, 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
In White Plains, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty business for around 15 years. Choice has 2 simple plans, making the selection process easy. 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 combination of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.
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, 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
In White Plains, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty business for around 11 years. Select has 3 simple plans, making the selection process easy. 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 combination of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.
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, 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
In White Plains, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty business for around 26 years. AHS has 3 simple plans, making the selection process easy. 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 combination of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500 at the maximum.
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, 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
In White Plains, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for around 44 years. Cinch has 3 simple plans, making the selection process easy. 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 combination of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000 at the maximum.
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, 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
In White Plains, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty business for around 15 years. HSC has 2 simple plans, making the selection process easy. 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 combination of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000 at the maximum.
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, 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 | $7,769 |
| Heating | $5,179 |
| Electrical | $777 |
| Toilets | $647 |
| Washer/Dryer | $1,036 |
| Plumbing | $777 |
| Oven | $2,072 |
| Fridge | $777 |
A home warranty is a protection plan that assists White Plains homeowners reduce 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 file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix 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 policy gives homeowners peace of mind and can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances 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 cover many household systems and appliances. Warranties usually cover appliances such as refrigerators, dishwashers, garbage disposals, dryers, washers, microwaves, and more. Covered systems include heating, plumbing, electrical, and air conditioning. Many home warranty companies also offer additional coverage for roof leaks, septic systems, locksmiths, and central vacuums. It's important for White Plains homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or improperly using a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
There are a number of home warranty terms to understand before signing an agreement, including:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage can have major differences in what's included. Most plans cover electrical, plumbing, AC, heating, and appliances. More robust coverage options also cover other items such as spas, pools, well pumps, and roof leaks. Look for providers with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per service call made. These per-claim charges can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some firms also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation provides insight into things such as repair timeliness, contractor quality, approval rates, and customer service. Use review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. More extensive networks raise the chance of getting skilled contractors to your home swiftly. Reach out to possible providers to ask how many technicians they have in White Plains to understand how long repairs might take in an urgent situation.
Certain home warranty companies provide extras such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These bonuses can offer extra value beyond repair coverage. Extra perks help improve your home and help maximize your home warranty.
Temperatures in White Plains can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in White Plains, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Along with 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 contractor to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may come across. Plus, though it varies by company, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your home more attractive to potential homebuyers and maybe even help your home sell faster.
One main drawback of a home warranty is not every home system and appliance may be covered. It’s important to compare the different plans and sign up for one that covers all the appliances, systems, and add-ons you need.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They commonly won’t cover home systems or appliances that need repairs or replacements due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty in White Plains can cost anywhere from $30 to $60 a month. The 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 decrease 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 covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of a situation such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim if you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in White Plains.
Homebuyers, homeowners, home sellers, landlords, and real estate agents are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in White Plains include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your systems and appliances, such as your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the contract.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Typically, the one who owns the home pays for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in White Plains is $694,605, a home warranty can save you some money when buying a home.
