Home Warranty

6 best home warranty companies in Mount Vernon, New York

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 6 home warranty companies that operate within 50 miles of Mount Vernon. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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

Many essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Mount Vernon home has a dishwasher, furnace or any other everyday appliance within that age range, you will likely experience an untimely breakdown. The top three home warranty companies listed below provide generous coverage at affordable rates.

Mount Vernon's frequent rainfall can put stress on your home's roof and HVAC systems. We advise getting a home warranty to limit the cost of an unforeseen home heating breakdown or roof leak. The companies below offer solid major system and appliance coverage and added perks.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

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 Mount Vernon

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

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 Home Buyers Warranty pairs its three coverage plans with flexible service call fees. It also offers coverage perks, including an appliance color-match program and an "Even If" service fee guarantee. With this guarantee, 2-10 will refund your service call fee 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

4.6/5

EXPLORE PLANS

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

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite lets you fully customize a plan for your exact coverage needs. It also provides an exceptionally long 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

4.4/5

EXPLORE PLANS

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

4.3/5

EXPLORE PLANS

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

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Select Home Warranty plans have low premiums, and each one includes coverage for roof leaks.

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 Mount Vernon

The average cost of a home warranty in Mount Vernon is in line with the national average, ranging from $40.91 to $77.05 per month. If you prefer to pay an annual premium, expect to pay between $563.62 and $927.43 per year. To calculate national averages, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state 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 outline what's generally included in home warranty coverage and what isn't.

What are the typical items covered under a home warranty?

Cooktops
Clothes dryers
Washing machines
Built-in microwaves
Dishwashers
Refrigerators

The first category of items a home warranty protects is major appliances. This covers the following: The second coverage category is major systems, which often consist of the following:

Electrical
Plumbing
Water heater
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 components or appliances. These are called exclusions. Generally, home warranties don't cover item breakdowns caused by damage outside of normal wear and tear. For example, if your air conditioner stops working due to a dirty air filter, home warranty companies likely won't cover the repairs since air filter replacement falls under routine maintenance.

Hazardous waste
Improper system or appliance installation
Cosmetic damage
Acts of nature
Rust or corrosion damage
Preexisting conditions

Questions to ask home warranty providers in Mount Vernon

Before purchasing a home warranty coverage plan, we recommend asking providers the following questions.

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, verify the company has plans meeting your needs. Some companies separate appliance and system coverage into different plans. Most home warranty companies also sell optional add-ons for things like well pumps and additional refrigeration. 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 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. You may extend the 12-month policy term by purchasing 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 will let you select your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Mount Vernon 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?

Knowledge of your warranty company's claim process makes all the difference between an approval and a denial. If you're facing a covered issue, you can usually file a claim over the phone or through the web. While most claims should have a 24 to 48-hour response time, there might be delays if you filed outside standard business hours. Once you submit your claim, the warranty company will review it and connect you to an in-network service contractor. The contractor will arrange a visit to diagnose the problem, and then get final approval from the warranty company for any necessary repairs.

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

If you need to move, most home warranty contracts feature a clause permitting you to transfer the policy to the new homeowner. Some companies handle the transfer at no charge, though others will charge a transfer fee. Home warranty companies may also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers might opt for these plans to boost their home's appeal in a competitive market.

Home warranty contract fine print

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

Cancellation: A home warranty contract should include information on how to cancel your policy and get a refund. If you cancel within the initial waiting period before coverage takes effect, many companies will fully refund your annual premium.
Exclusions: Home warranties have both general exclusions and ones specific to components. Even if a device or system is generally covered, your warranty could still exclude some specific parts if they suffer damage. Read your sample contract carefully to be aware of what is not covered.
Coverage limit: Your home warranty's coverage limit is the limit on how much the company will pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.
Workmanship guarantee: The workmanship guarantee is the period during which the home warranty company won't assess an additional service call fee 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.
Service call fee: Each time you file a claim, the home warranty or repair company will levy a service call fee. These fees typically range between $75 and $125.

Facts about Mount Vernon

Average High in July

81°F

Mount Vernon

83°F

National Average

Average Low in January

23°F

Mount Vernon

17°F

National Average

Average Daily Sunlight

63%

Mount Vernon

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

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.

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

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

6 best home warranty companies in Mount Vernon, New York

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