Written By David Cusick
Last Updated February 2024
The cost of maintaining a home in Irvington can be costly, especially as your home ages and your systems and appliances need to be updated or repaired. A home warranty policy can help protect homeowners by reducing 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 a challenge because of the sheer number of options available. If you're overwhelmed by trying to compare them all, keep reading for our guide on the best home warranty companies in Irvington.
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 offers the most trustworthy home warranty for Irvington residents. Liberty has been in the home warranty business for over 6 years. The 3 plans from Liberty are easy to comprehend and have a mix of both system and appliance coverage. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000.
Read more by visiting our Liberty Home Guard full review. To receive a free quote from Liberty Home Guard, 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 offers the best overall home warranty for Irvington residents. Choice has been in the home warranty business for over 15 years. The 2 plans from Choice are easy to comprehend and have a mix of both system and appliance coverage. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000.
Read more by visiting our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, 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 offers the most cost-effective home warranty for Irvington residents. Select has been in the home warranty business for over 11 years. The 3 plans from Select are easy to comprehend and have a mix of both system and appliance coverage. 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.
There are 3 home warranty plans from Select Home Warranty: 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.
Read more by visiting our Select Home Warranty full review. To receive a free quote from Select Home Warranty, 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 offers the most customizable home warranty for Irvington residents. AHS has been in the home warranty business for over 26 years. The 3 plans from AHS are easy to comprehend and have a mix of both system and appliance coverage. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500.
Read more by visiting our American Home Shield full review. To receive a free quote from American Home Shield, 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 offers the home warranty with the best workmanship guarantee for Irvington residents. Cinch has been in the home warranty business for over 44 years. The 3 plans from Cinch are easy to comprehend and have a mix of both system and appliance coverage. 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.
There are 3 home warranty plans from Cinch Home Services: 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.
Read more by visiting our Cinch Home Services full review. To receive a free quote from Cinch Home Services, 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 offers the best home warranty with the quickest service for Irvington residents. HSC has been in the home warranty business for over 15 years. The 2 plans from HSC are easy to comprehend and have a mix of both system and appliance coverage. 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.
There are 2 home warranty plans from The Home Service Club: 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.
Read more by visiting our The Home Service Club full review. To receive a free quote from The Home Service Club, 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 | $6,365 |
Heating | $4,244 |
Electrical | $637 |
Toilets | $530 |
Washer/Dryer | $849 |
Plumbing | $637 |
Oven | $1,697 |
Fridge | $637 |
A home warranty is a protection plan that helps cut costs for Irvington homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty policy gives homeowners peace of mind since it can help avoid expensive 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 cover your home systems and appliances. Warranties usually cover appliances such as washers, dryers, dishwashers, garbage disposals, refrigerators, microwaves, and more. Covered systems include electrical, air conditioning, plumbing, and heating. Many home warranty providers also offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Irvington homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to know before signing, such as:
There are several key considerations when selecting a home warranty provider:
Home warranty policies vary widely in what they include. Most plans provide protection for AC, electrical, plumbing, heating, and appliances. More inclusive options also include coverage for other items such as well pumps, spas, pools, and roof leaks. Focus on providers with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a provider with lower service fees to maximize savings on every claim. Some companies also do away with deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Check review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about providers. Positive ratings and feedback suggest a company known for delivering quality service.
Home warranty companies keep networks of professionals to handle covered repairs. Bigger networks increase the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Irvington to get a sense of how quickly your repairs could be handled in an emergency.
Home warranty companies often offer perks such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These add value beyond just repair coverage. Added perks maximize the usefulness of the home warranty.
Since temperatures in Irvington can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Buying a home warranty plan can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
In addition to saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may have. Another benefit of having a home warranty is while selling your home, some providers let you transfer your home warranty policy to the new owners. It can make your house more attractive to potential homebuyers and help your house sell faster.
As for the negatives of home warranties, system and appliance coverage varies by company, so it’s important to understand what each policy covers and excludes in the contract.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Irvington can cost between $30 and $60 a month. Higher-priced plans tend to have broader coverage, a lower service fee, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some providers will also lower 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 plan covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your entire 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 dryer or oven, unless the damage is due to a natural disaster, which is somewhat common in Irvington.
A home warranty can help home sellers, investors, homebuyers, homeowners, and real estate agents. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty can cover your home’s systems, appliances, 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.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Generally, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Irvington, where the median value of a home is $339,276, having the seller pay for the home warranty can save you some money on your new home.