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6 best home warranty companies in Hempstead, New York

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

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Consider a home warranty to financially protect your home's essential items. These policies cover the repair or replacement of common household systems and appliances, such as air conditioners and refrigerators, for a monthly fee.

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 operate for just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today go kaput after about 20 years.

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

A typical homeowners insurance policy doesn't cover normal appliance wear and tear. With supplementary coverage from one of these home warranty providers, you'll have additional peace of mind in case of an unexpected failure.

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
Limited Time Offer: 50% Off
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 Hempstead

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

2-10 Home Buyers Warranty

2-10 Home Buyers Warranty

4.5/5

Average monthly costs: $22.00 - $80.00

2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.

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 the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.

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 Hempstead

The cost of a home warranty is in line with the national average, and it largely depends on how often you prefer to make payments. The national average is about $40.91 to $77.05 per month, or $563.62 to $927.43 per year. We calculated the average by requesting hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties cover various major systems and appliances, but they're not a substitute for homeowners insurance. Below, we'll summarize what coverage a warranty typically includes and excludes.

What are the typical items covered under a home warranty?

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

Kitchen appliances and household items form the first group of items that a home warranty provides coverage for. This includes the following items: The second category of protected items under a home warranty is major systems. Not every plan covers the same major systems. However, you can find coverage for any of these items:

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

What items are typically not covered under a home warranty?

As with many other service contracts, home warranties won't cover certain appliances or components. These are called exclusions. A common exclusion is breakdowns caused by damage outside normal wear and tear. For example, home warranties will likely not cover an air conditioner breakdown caused by a dirty air filter. This is because replacing the filter is part of routine maintenance.

    Additionally, home warranties won't cover the following:
  • Cosmetic damage
  • Acts of nature
  • Improper system or appliance installation
  • Preexisting conditions
  • Hazardous waste
  • Rust or corrosion damage

Questions to ask home warranty providers in Hempstead

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

What items are covered by my policy?

Determine what appliances and systems you need covered before getting home warranty quotes. This way, you can look for a provider that includes them. Some companies separate appliance and system coverage. Most home warranty companies also sell optional add-ons for things like additional refrigeration and swimming pools. Evaluate what add-ons you might need and how much they'll add to the home warranty cost.

How long is my home warranty good for?

Generally, home warranty contracts are active for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies require this 30-day waiting period to stop customers from filing claims for preexisting conditions. Purchasing a multiyear plan extends protection beyond the standard 12-month term.

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 pick 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?

Each company's claims process will differ from the others. If a covered issue strikes, you could file a claim via their website or over the phone. Most companies try to respond to claims within 24 to 48 hours, though there might be processing delays when filing outside normal working hours. After you file your claim, a staff member will examine your claim and connect you with an in-network repair contractor. 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?

If you're selling your home, you may be able to transfer your policy to the new homeowner. Some companies oversee the transfer without cost, while others levy a transfer fee. Home warranty companies might also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers might opt for these plans to enhance their home's appeal in a competitive market.

Home warranty contract fine print

Before settling on a home warranty, we strongly recommend reviewing a sample contract. Learning more about the company's terms and conditions will help you determine the best fit. It'll also help you advocate for yourself if you need to file a claim. Search for these key terms and clauses in your research:

  • Workmanship guarantee: Workmanship guarantees help protect you from additional service call fees if an in-network technician unsuccessfully tried to fix a covered issue. Most guarantees are 30 days long, though some companies offer longer periods.
  • Service call fee: Similar to copays at the doctor or pharmacy, you'll have to pay a service call fee each time you file a home warranty claim. Most companies charge from $75 to $125 per claim.
  • Exclusions: Even if a system is covered under your home warranty, it could still have applicable exclusions for certain components. A sample contract should specifically list these 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.
  • Coverage limit: Each home warranty has a coverage limit that establishes how much a company will cover per individual claim. Warranty contracts could also have annual coverage limits.

Facts about Hempstead

Average High in July
80°F
Hempstead
83°F
National Average
Average Low in January
27°F
Hempstead
17°F
National Average
Average Daily Sunlight
69%
Hempstead
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
Limited Time Offer: 50% Off
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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