Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
The cost of maintaining a home in Harrison can be expensive, particularly as your home ages and your appliances and systems have to be repaired or replaced. A home warranty in Harrison can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
The home warranty market is filled with a variety of providers — all with different price points — so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Harrison.
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 is the best overall home warranty for Harrison residents. Choice has over 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Harrison area.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our review of Choice Home Warranty.
Basic Plan
Total 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 is the most customizable home warranty for Harrison residents. AHS has over 26 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Harrison area.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Harrison residents. Cinch has over 44 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Harrison area.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, 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
The Home Service Club is the best home warranty with the quickest service for Harrison residents. HSC has over 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Harrison area.
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 a more detailed breakdown, 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 | $5,876 |
| Heating | $3,918 |
| Electrical | $588 |
| Toilets | $490 |
| Washer/Dryer | $784 |
| Plumbing | $588 |
| Oven | $1,567 |
| Fridge | $588 |
A home warranty is a protection policy that assists Harrison homeowners reduce the costs of appliance and system repairs. The plans offer coverage to repair or replace appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty delivers security for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who live in older homes or ones with aging systems. More modern builds with functional fixtures probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are washers, refrigerators, dryers, dishwashers, microwaves, garbage disposals, and more. Covered systems are normally heating, air conditioning, plumbing, and electrical. Many home warranty companies offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Harrison should understand that most home warranty plans have a 30-day waiting period before repairs are covered. Most 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 ensure your next repair or replacement is covered.
There are a number of home warranty terms to learn before signing an agreement, including:
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 provide coverage for plumbing, heating, AC, electrical, and appliances. More robust coverage options also offer coverage on other items such as spas, well pumps, roof leaks, and pools. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which is paid per service call made. The costs from multiple fees 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 insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Check review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about providers. Favorable ratings and feedback suggest a company known for providing quality service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Contact potential providers to learn the number of repair specialists they have in Harrison and get an idea of how fast your repairs could be handled in an emergency. Bigger networks improve the likelihood of getting qualified contractors to swiftly service your home.
Some home warranty providers include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These can provide extra value beyond repair coverage. Added bonuses help you enhance your home and get the most from your warranty policy.
Since temperatures in Harrison can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
Not only does a home warranty offer some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a repair person and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most. Another added benefit of having home warranty coverage is that it can increase your home’s real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
There are also some drawbacks to getting a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another downside is that home warranties may exclude some repairs, like those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty in Harrison can cost anywhere from $30 to $60 a month. The higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. 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.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which might not be too much of a concern in Harrison. It doesn't cover a typical appliance or system damage.
A home warranty policy can help homeowners, homebuyers, investors, home sellers, and real estate agents. It can offer peace of mind to anyone involved with homeownership.
The different types of home warranties in Harrison include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers your home systems and appliances, including your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the items mentioned in the contract.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Typically, the homeowner pays for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Harrison is $406,566, a home warranty can save you some money when buying a home.
