Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
As much as you may love homeownership in Lockport, there's always that concern about whether your systems and appliances are going to need repairs over the next few years. A home warranty in Lockport can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that break down due to normal wear and tear.
Finding the best home warranty on the market can be time-consuming, since there are dozens of companies to choose from. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Lockport for you.
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 Lockport, Liberty Home Guard offers the most trustworthy home warranty. Liberty has over 6 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. Liberty has 3 plans for homeowners to decide between.
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 around $3,000.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information on this provider, read 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 Lockport, Choice Home Warranty offers the best overall home warranty. Choice has over 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. Choice has 2 plans for homeowners to decide between.
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 around $3,000.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information on this provider, read 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 Lockport, Select Home Warranty offers the most cost-effective home warranty. Select has over 11 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. Select has 3 plans for homeowners to decide between.
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 around $2,000.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information on this provider, read 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 Lockport, American Home Shield offers the most customizable home warranty. AHS has over 26 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. AHS has 3 plans for homeowners to decide between.
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 around $2,500.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information on this provider, read 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 Lockport, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has over 44 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. Cinch has 3 plans for homeowners to decide between.
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 around $1,000-$2,000.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information on this provider, read 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 Lockport, The Home Service Club offers the best home warranty with the quickest service. HSC has over 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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. HSC has 2 plans for homeowners to decide between.
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 around $2,000.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information on this provider, read 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 | $6,362 |
| Heating | $4,241 |
| Electrical | $636 |
| Toilets | $530 |
| Washer/Dryer | $848 |
| Plumbing | $636 |
| Oven | $1,696 |
| Fridge | $636 |
A home warranty is a protection policy that assists Lockport homeowners in lowering the expenses of appliance and system repairs. The plans offer financial coverage to replace or repair appliances and systems that stop working due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty plan gives homeowners a sense of security since it 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 need a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are microwaves, refrigerators, washers, dryers, garbage disposals, dishwashers, and more. Included systems are usually heating, plumbing, air conditioning, and electrical. Many home warranty companies provide add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. It's important for Lockport homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, pre-existing conditions, natural disasters, or damage caused by improperly using a system or appliance. You need to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by your policy.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans cover AC, heating, plumbing, electrical, and appliances. More inclusive options also cover other items such as spas, well pumps, pools, and roof leaks. Look for companies with a diverse range of coverage options, including upgraded plans. This allows you to customize your plan to 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 per-claim charges can quickly add up, so you may look for companies advertising lower service 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 provider's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Read through review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about providers. Good ratings and feedback suggest a company known for delivering quality service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. Wider networks increase the likelihood of getting qualified contractors to your home promptly. Contact possible providers to learn how many technicians they have in Lockport. This helps you understand how long repairs might take in an urgent situation.
Some home warranty companies provide bonuses such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These add value beyond repair coverage. Extra bonuses help maximize the usefulness of your home warranty.
Lockport’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the necessary repairs, saving you from spending a lot of money out of pocket.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of needing to vet service technicians by yourself, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. Another good thing about having a home warranty is if you want to sell your home, you can most likely transfer your home warranty policy to the new owners. This can make your house more attractive to potential homebuyers and may help your house sell faster.
One disadvantage of 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 covered under 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 consideration is that home warranties typically only cover damage from normal wear and tear. They often won’t cover systems or appliances that need repairs or replacements due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty costs, on average, around $300 to $600 a year in Lockport. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. Homeowners insurance protects the entire home in case of a situation such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Lockport.
First-time homebuyers, landlords, homeowners, home sellers, and real estate agents are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty will cover your home’s systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
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 transferred to the new homeowner, who will pay the service fees. In Lockport, where the median value of a home is $314,119, having the seller pay for the home warranty can be a good asset for your new home.
