Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 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 Mount Vernon is on the older side. A home warranty can help protect you by cutting the costs of major repairs and replacements on your home’s most important appliances and systems.
Choosing the best home warranty on the market can be difficult because of the numerous options available. If you're frustrated with trying to compare them all, keep reading for our guide on the top home warranty providers in Mount Vernon.
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 Mount Vernon, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in the home warranty business for around 6 years. Liberty offers 3 plans for you to decide between. 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. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000.
For more information, read our review of Liberty Home Guard. To receive 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
In Mount Vernon, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty business for around 15 years. Choice offers 2 plans for you to decide between. 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. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000.
For more information, read our review of Choice Home Warranty. To receive 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
In Mount Vernon, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty business for around 11 years. Select offers 3 plans for you to decide between. 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. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000.
For more information, read our review of Select Home Warranty. To receive 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
In Mount Vernon, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty business for around 26 years. AHS offers 3 plans for you to decide between. 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. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500.
For more information, read our review of American Home Shield. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Mount Vernon, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty business for around 39 years. First American offers 2 plans for you to decide between. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500.
For more information, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
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 Mount Vernon, 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 offers 3 plans for you to decide between. 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000.
For more information, read our review of Cinch Home Services. To receive 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
In Mount Vernon, 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 offers 2 plans for you to decide between. 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. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000.
For more information, read our review of The Home Service Club. To receive 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 | $5,682 |
| Heating | $3,788 |
| Electrical | $568 |
| Toilets | $473 |
| Washer/Dryer | $758 |
| Plumbing | $568 |
| Oven | $1,515 |
| Fridge | $568 |
A home warranty is a protection policy that assists Mount Vernon homeowners in lowering the costs of appliance and system repairs. The plans provide financial coverage to swap out or fix appliances and systems that break down due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover your home's systems and appliances. Common covered appliances are dryers, microwaves, refrigerators, garbage disposals, dishwashers, washers, and more. Covered systems include heating, air conditioning, plumbing, and electrical. Various home warranty plans offer additional coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Most home warranty plans require Mount Vernon homeowners to wait 30 days before they can use the policy to pay for repairs. Moreover, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some essential home warranty words to learn before signing a contract:
There are several important factors to consider when choosing a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans include protection for heating, AC, plumbing, electrical, and appliances. More comprehensive plans also cover other items such as pools, spas, well pumps, and roof leaks. Look for companies with an array 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 per-claim charges can quickly add up, so you may seek out companies advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty company's reputation can give you insight into things such as approval rates, contractor quality, repair timeliness, and customer service. Browse review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty businesses maintain networks of local professionals to handle repairs in your area. Reach out to potential providers to ask how many repair professionals they have in Mount Vernon and get an idea for how quickly your repairs could take place in an emergency situation. Wider networks raise the likelihood of getting qualified contractors to quickly service your home.
Some home warranty providers provide bonuses such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These perks can add value beyond repair coverage. Extra bonuses can maximize the usefulness of your home warranty.
Home warranty plans are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Mount Vernon hitting an average high of 59℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can considerably lower out-of-pocket expenses should your HVAC system stop working.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of needing to vet contractors by yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. A home warranty can also provide value in other ways. For example, some plans can be transferred to another owner during a home sale.
As for the negatives of home warranties, system and appliance coverage varies by company, so it’s important to review what each plan covers and excludes in the contract.
Another downside is that home warranties may exclude some repairs, like those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty costs, on average, around $300 to $600 a year in Mount Vernon. 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 opting for a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger insurance that protects the entire home from natural disasters, which can sometimes be a concern in Mount Vernon. It doesn't cover a typical appliance or system damage.
A home warranty policy can help homeowners, homebuyers, investors, real estate agents, and home sellers. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty will cover your appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty lasts for a year and can be renewed annually. Some companies 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 will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Mount Vernon, where the median home value is $218,410, having the seller pay for the home warranty can be a good asset for your new home.
