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6 best home warranty companies in Dix Hills, New York

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

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Home warranties give you a financial buffer to fix or replace appliances that suddenly fail. For a monthly fee, these policies insure items such as refrigerators and AC units when they stop working with regular wear and tear.

Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically last just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today fail after about 20 years.

If your Dix Hills house contains any aging dishwashers, furnaces or other appliances, you'll likely face a surprise breakdown. These top home warranty providers offer robust coverage at reasonable prices.

Homeowners insurance doesn't cover appliance failures due to normal wear and tear, so having a home warranty can give you an extra safeguard against mishaps. We've done the research to determine what home warranty providers have the best major appliance and system coverage.

Our Top Pick
Provider logo
4.5
Our Rating
  • Extends 60-day workmanship guarantee
  • Holds high customer ratings
  • Offers customization with 38 add-ons
Explore Plans
Provider logo
4.4
Our Rating
  • Covers rust and corrosion damage
  • Offers comprehensive coverage limits
  • Provides flexible service fees
$150 Off Any Plan
Explore Plans
Provider logo
3.8
Our Rating
  • Charges low premiums
  • Includes roof-leak coverage
  • Offers solid HVAC coverage
Explore Plans

Find the best home warranty for you in Dix Hills

Here's our list of the best home warranty companies in Dix Hills:

2-10 Home Buyers Warranty

2-10 Home Buyers Warranty

4.5/5

Average monthly costs: $22.00 - $80.00

2-10 has three coverage plans with flexible service call fees and perks like appliance color matching. The company also has an "Even If" guarantee that refunds your service call fees if your covered item can't be fixed or replaced.

What we like

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

What we don't like

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans
Liberty Home Guard

Liberty Home Guard

4.6/5

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

What we like

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 40+ add-on coverages
  • Provides an easy claims process

What we don't like

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions
Elite Home Warranty

Elite Home Warranty

4.4/5

Average monthly costs: $48.98 - $59.99

Elite Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

What we like

  • Allows you to choose your technician
  • Extends a 90-day workmanship guarantee
  • Offers more than 25 add-ons

What we don't like

  • Charges higher service fees for high-end appliances
  • Doesn't provide an online quote
  • Limits repair and replacement coverage caps for older items
American Home Shield

American Home Shield

4.4/5

Average monthly costs: $29.99 - $89.99

American Home Shield was one of the first home warranty companies, having been in business since 1971. It provides three base plans and six add-ons.

What we like

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay

What we don't like

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options
Cinch Home Services

Cinch Home Services

4.3/5

Average monthly costs: $38.99 - $66.99

Cinch Home Services provides coverage perks other companies don’t, such as a homeowners insurance deductible reimbursement. Like most home warranty companies, Cinch offers flexible service fees that raise or lower your plan premium.

What we like

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

What we don't like

  • Charges high service fees of $100-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska
Select Home Warranty

Select Home Warranty

3.9/5

Average monthly costs: $44.42 - $47.75

Select Home Warranty pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

What we like

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

What we don't like

  • Has a $75 cancellation fee
  • Low coverage caps

Cost of a home warranty in Dix Hills

The typical monthly cost of a home warranty in Dix Hills ranges from $41 to $70, around the same as the national average. If you're paying on an annual basis, expect to spend anywhere from $563.62–$927.48 per year. To calculate national cost data, we requested hundreds of quotes for 2,000-square-foot, single-family homes across each state that the providers service.

Home warranty coverage

Home warranties cover various home appliances and major systems, but they're not a substitute for homeowners insurance. Below, we'll discuss what's generally included in home warranty coverage and what isn't.

What are the typical items covered under a home warranty?

  • Washing machines
  • Refrigerators
  • Built-in microwaves
  • Cooktops
  • Dishwashers
  • Clothes dryers

Kitchen appliances and household items form the first group of items that a home warranty protects. This includes the following items: The second coverage category is major systems, which often include the following:

  • Electrical
  • Plumbing
  • Water heater
  • HVAC
  • Central vacuum

What items are typically not covered under a home warranty?

Each home warranty has exclusions, or things it will not cover. Your contract will outline each exclusion upfront, so read carefully before you sign. One common exclusion is breakdowns caused by damage outside of normal wear and tear. For example, the warranty would likely not cover an air conditioner malfunctioning due to a dirty air filter, since replacing the filter is a part of routine maintenance.

    Home warranties also don't cover the following:
  • Preexisting conditions
  • Hazardous waste
  • Acts of nature
  • Improper system or appliance installation
  • Rust or corrosion damage
  • Cosmetic damage

Questions to ask home warranty providers in Dix Hills

Ask each home warranty provider these questions before you purchase a plan.

What items are covered by my policy?

First, determine what items need coverage before requesting a home warranty quote. Some providers separate appliance and system coverage, so verify that the company has plans to meet your particular needs. Also, many home warranty companies offer optional coverage, such as for septic tank pumping or wells. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

Generally, home warranty contracts last for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies have this 30-day waiting period to stop customers from filing claims for preexisting conditions. A home warranty may last longer than 12 months if you purchase a multiyear plan.

What contractors do you work with?

When researching a home warranty company, ask which service contractors it partners with in your area. Many home warranty providers allow you to select your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Dix Hills to obtain repair approval from the home warranty provider. You can verify a contractor's license by searching your local or county government database.

How does your claims approval process work?

Knowing more about the home warranty company's claims process boosts your chances of getting a claim approved. Most companies accept claims through the web or via a 24/7 phone line. Once you file, the company will try to respond within one to two days. Filing outside normal business hours may lead to processing delays. After you file your claim, a staff member will review it and connect you with a networked repair service. The contractor's team will book an appointment with you to inspect the issue and diagnose the problem. Once the company grants final approval, the contractor can begin the repair work.

Can I transfer my policy to the next owner of my home?

Most home warranty providers allow you to transfer your policy to a new person who moves into the home the policy covers. Generally, transferring a home warranty policy to a new homeowner is free of charge, although some companies charge a transfer fee to offset administrative costs. Sellers can also purchase special home warranty plans that are readily transferable to prospective buyers. This is an easy way to add appeal to your home to your home in a competitive real estate market and give the buyer added confidence.

Home warranty contract fine print

Before you choose a home warranty, carefully read its terms and conditions to ensure they're aligned with your needs. As you read through the sample contract, look for these key details and clauses:

  • Exclusions: Even if an appliance is covered under your home warranty, it could still have applicable exclusions for specific parts. A sample contract should itemize these exclusions.
  • Cancellation: A home warranty contract should include information on how to cancel your policy and get a refund. If you cancel within the first 30 days of signup, many companies will fully refund your annual premium.
  • Coverage limit: Each home warranty has a coverage limit that limits how much money the company will pay per claim. There might also be an annual coverage limit or other stipulations.
  • Service call fee: Each time you file a claim, the warranty company or repair provider will assess a service call fee ranging from $75 to $125.
  • Workmanship guarantee: Most workmanship guarantees are valid for 30 days from a warranty repair, but some companies offer longer guarantee periods. If you have more issues with an appliance that an in-network technician recently attempted to repair for you, the home warranty company won't assess an extra service call fee for a new claim.

Facts about Dix Hills

Average High in July
74°F
Dix Hills
83°F
National Average
Average Low in January
30°F
Dix Hills
17°F
National Average
Average Daily Sunlight
68%
Dix Hills
69%
National Average
Our Top Pick
Provider logo
4.5
Our Rating
  • Extends 60-day workmanship guarantee
  • Holds high customer ratings
  • Offers customization with 38 add-ons
Explore Plans
Provider logo
4.4
Our Rating
  • Covers rust and corrosion damage
  • Offers comprehensive coverage limits
  • Provides flexible service fees
$150 Off Any Plan
Explore Plans
Provider logo
3.8
Our Rating
  • Charges low premiums
  • Includes roof-leak coverage
  • Offers solid HVAC coverage
Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Contact us at feedback@homefront.usatoday.com if you have questions or feedback on this article

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

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