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6 best home warranty companies in Plainview, New York

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

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A home warranty offers financial protection if an appliance or major home system suddenly breaks down. For a monthly fee, the warranty company covers repair and replacement costs for items like HVAC units and refrigerators when they break down from normal 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 operate for just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today stop working after about 20 years.

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

A standard homeowners insurance policy doesn't cover normal appliance wear and tear. With supplementary coverage from one of these home warranty companies, you'll have additional peace of mind in case of a surprise 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
$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 Plainview

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

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 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

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 is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

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 Plainview

You'll typically pay $41-$70 per month for a home warranty in Plainview, around the same as the national average. Opting for annual payments means paying anywhere between $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 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?

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

The first category of items home warranties provide coverage for is major appliances. This category includes the following: 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:

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

What items are typically not covered under a home warranty?

Each home warranty has exclusions, which are the items and circumstances it will not cover. Your contract will clearly specify each exclusion, 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 that stopped working because of a dirty air filter, since replacing the filter is a part of routine maintenance.

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

Questions to ask home warranty providers in Plainview

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

What items are covered by my policy?

First, figure out 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 wells or additional refrigeration. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

Generally, a home warranty plan has a duration of 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies include a 30-day waiting period to prevent customers from filing claims for preexisting conditions. You can get coverage beyond 12 months with a multiyear plan.

What contractors do you work with?

Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If your area has no in-network contractors nearby, the warranty company may let you choose your own. 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 your warranty company's claims process can improve 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 a slower process. 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 proceed with repairs.

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

Most home warranty companies permit 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. Home warranty companies might also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers can purchase these plans to raise their home's appeal in a competitive market.

Home warranty contract fine print

To complete your research, we recommend reading the home warranty provider’s fine print and sample contract before purchasing a plan. Knowing the company’s terms and conditions can help you determine whether it’s the right one for your needs. It'll also help you be a better advocate for yourself if you need to file a claim. Below are several terms you should search for while reviewing the contract:

  • 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, but some companies offer longer periods.
  • Exclusions: Be sure to learn more regarding component-specific exclusions in the home warranty company's sample contracts. Some parts of equipment might be excluded even if the appliance itself is generally covered under the policy.
  • Coverage limit: The coverage limit sets the maximum dollar amount for how much the home warranty company will pay per repair. There may be further stipulations, such as an annual coverage limit.
  • 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 offer a complete refund of your annual premium.
  • Service call fee: The service call fee is how much you'll pay the home warranty company or service provider for every claim. Fees typically vary between $75 and $125 per claim.

Facts about Plainview

Average High in July
80°F
Plainview
83°F
National Average
Average Low in January
27°F
Plainview
17°F
National Average
Average Daily Sunlight
69%
Plainview
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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