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6 best home warranty companies in Eastchester, 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 cover items such as AC units and refrigerators when they malfunction from regular wear and tear.

Did you know that the typical life span of an HVAC system is seven to 25 years? Other major systems, such as water heaters, only last an average of six to 12 years. Most appliances last just 20 years or fewer, according to the International Association of Certified Home Inspectors.

If your Eastchester home contains aging dishwashers, furnaces or the like, you'll likely encounter a surprise breakdown. These top home warranty firms provide robust coverage at a fair price.

Eastchester gets its fair share of wintry weather, which can put strain on both your roof and HVAC system. Breakdowns could lead to sizable bills, but with a home warranty, you'll have a strong financial shield and access to a few additional perks.

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 Eastchester

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

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 plans with a 60-day workmanship guarantee on completed repairs. Compared to other providers in this piece, it also provides the largest number of coverage add-ons – 38 in total.

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 has a fully customizable coverage plan you can design based on your coverage needs. It also includes a lengthy 90-day workmanship guarantee.

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

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional 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

Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.

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 Eastchester

You'll usually pay $41-$70 per month for a home warranty in Eastchester, on par with the national average. Opting for annual payments means spending somewhere around $563.62-$927.48 for the year. To find the average home warranty plan cost, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties protect a variety of major systems and home appliances. We'll give you a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

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

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

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

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. A common exclusion is breakdowns caused by damage outside normal wear and tear. For example, home warranties will probably not cover an air conditioner breakdown caused by a dirty air filter. This is because replacing the filter is part of routine maintenance. Home warranties also don't cover rust or corrosion damage, acts of nature, improper system or appliance installation, cosmetic damage, preexisting conditions and hazardous waste.

Questions to ask home warranty providers in Eastchester

We recommend asking each home warranty provider you're considering the following questions about their plans, terms and policies.

What items are covered by my policy?

Before asking a home warranty provider for a quote, write down the specific systems and appliances that you need covered. Then, confirm the company has plans meeting your needs. Some providers separate appliance and system coverage into different plans. Also, many home warranty companies offer optional coverage, such as for swimming pools or spas. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

Generally, a home warranty plan is valid for 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies require a 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 you're researching home warranty providers, be sure to ask about which service contractors they use. Each repair team must follow specific licensing requirements and standards to get repair approval from the warranty company. If there are no partner contractors in your area, the warranty terms might allow you to choose your own repair company. 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 online 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 examine the appliance 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 companies allow you to transfer your policy to a new homeowner if you need to move. Sometimes, transfers will be free, and other times, the company will charge a transfer fee for the service. Some home warranty companies also offer special coverage plans that are easily transferred to prospective buyers. Home sellers acquire these home warranty plans to enhance their home's appeal.

Home warranty contract fine print

Before buying a home warranty, research the company's sample contracts and policies. Understanding a provider's terms and conditions can help you decide whether they're a suitable choice for you. It'll also help you be a better advocate for yourself if you need to file a claim. Look for these key stipulations and clauses:

  • Exclusions: Home warranties have both general exclusions and ones specific to components. Even if a device or system is generally covered, your warranty might not cover some specific parts if they become damaged. Read your sample contract carefully to understand the exclusions.
  • Cancellation: Each home warranty company has a cancellation policy in its fine print. Many companies will refund your annual premium in full if you cancel within the first 30 days of enrollment.
  • Service call fee: Each time you file a claim, the home warranty or repair company will levy a service call fee. These fees usually run from $75 to $125.
  • Coverage limit: The coverage limit puts a monetary cap on how much the home warranty company will pay per repair. There may be additional stipulations, such as an annual coverage limit.
  • Workmanship guarantee: The workmanship guarantee is the time during which the home warranty company won't charge additional service call fees for a repair if an in-network technician has recently tried to fix the item. The industry standard is 30 days, though some companies offer longer workmanship guarantees.

Facts about Eastchester

Average High in July
81°F
Eastchester
83°F
National Average
Average Low in January
23°F
Eastchester
17°F
National Average
Average Daily Sunlight
63%
Eastchester
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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