A home warranty can offer you the peace of mind you need about your home and guard your bank account from large expenses by covering your home's major systems and appliances.
As much as you may enjoy owning a home in Suffolk, there is always that fear about whether or not your systems and appliances are going to make it through the next few years.
Since the home warranty market is saturated with many providers — all with different coverage — our team at House Method decided to do the research for you to help you find the right home warranty in Suffolk.
When you're ready to sign up for a home warranty, the first step is figuring out what items you need coverage for. From there, you can compare your options and call different home warranty providers for a free quote. Below is a list of factors that you'll want to consider when picking a home warranty provider:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
Choice Home Warranty is the best overall home warranty in Suffolk. When you buy a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage.
Choice Home Warranty offers 2 plans for Suffolk homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Suffolk area.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our thorough review of Choice Home Warranty.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Suffolk, Select Home Warranty is the most cost-effective home warranty. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for you to decide between.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Suffolk area.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our review of Select Home Warranty.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
American Home Shield is the most customizable home warranty for Suffolk residents. AHS has around 25 years of industry experience and in that time has built a a skilled network of service technicians in the country. The 3 home warranty plans that AHS offers include options for appliance and system coverage. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Suffolk homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered system or appliance.
Read more by visiting our thorough review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service for Suffolk residents. HSC is a home warranty provider with 14 years of experience in the industry, and it has become one of the best providers in the business. The home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage. When you buy a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000.
Read our full review of The Home Service Club to learn more. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
In Suffolk, Liberty Home Guard is the most trustworthy home warranty. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and have a mix of both system and appliance coverage.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our Liberty Home Guard Review.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in Suffolk. If you're looking for very affordable and comprehensive appliance coverage, this is the home warranty for you. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 plans for you to decide between.
First American Home Warranty offers 2 plans for Suffolk homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with First American's plans are close to the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
For more information on this provider, read our First American Home Warranty Review. To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee for Suffolk residents. The 3 plans from Cinch are easy to understand and offer both system and appliance coverage. When you buy a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a mix of system and appliance coverage. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our review of Cinch Home Services.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Suffolk
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they have issues over time due to normal wear and tear. Having one in place can offer you some peace of mind and guard your bank account from exorbitant out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty plan.
For Suffolk homeowners, when a problem comes up with a covered appliance or system, it is very simple to file a claim. Most home warranty providers have an online portal system where you can file a claim. Once you file the claim, it will be assigned to a local repair person that will come to your home and repair the issue. At this point, you pay your service fee. Service fees generally range in price from about $60 to $150 and this is the only out-of-pocket fee you will need to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty will cover systems and appliances that have stopped working due to normal wear and tear. For instance, if your dishwasher suddenly needs repairs under normal use conditions, this is a perfect time to call your home warranty provider. The appliances include a stove, dishwasher, cooktop, refrigerator, clothes dryer, clothes washer, microwave, and more. The systems included are the electrical, plumbing, water heater, heating system, air conditioner, and more. The add-on coverages can include septic system, pool, roof leak, spa, and sometimes even things like locksmith or pest control.
An important thing to consider is that home warranties only protect against normal wear and tear on your home systems and appliances. Things like pre-existing conditions, lack of maintenance, cosmetic damages, and misuse are excluded from the home warranty policy.
Suffolk is known for its mild winters and hot summers, and if you live in Suffolk, you know that the weather can be unpredictable. During the summer months, your air conditioner can be overworked in its effort to combat the heat. If your air conditioner did give out, a home warranty can cover repairs and prevent you from spending out-of-pocket expenses.
In addition, though it varies by company, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your house more attractive to potential home buyers and maybe even make your home sell faster.
One of the major drawbacks of a home warranty is not everything you care about may be covered. It's important to weigh the different plans and purchase one that covers all the appliances, systems, and add-ons you need. Another downside is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were affected probably won't be covered by the home warranty.
A home warranty can help ease some of a homeowner's maintenance troubles, but in the end, it's up to you to determine whether or not investing in one is the right move for you and your family. Be sure to do your research and read over any home warranty plans that you're considering getting to get a sense of what repairs will and will not be covered under your contract.
A home warranty in Suffolk can save you thousands of dollars and offer you peace of mind when it comes to costly home repairs and replacements. The best provider in Suffolk is Choice Home Warranty. It offers great and comprehensive coverage of all the essential home appliances and systems at an affordable cost with several add-on options.
The best overall home warranty company in Suffolk is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty is a service contract that covers repairing and replacing your major home systems and appliances.
A home warranty protects against the normal wear of systems and appliances in a home. Homeowners insurance protects a home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new washing machine or oven, unless the damage is due to a natural disaster.
Usually coverage for a home warranty policy begins 30 days on the day the sale closes. However, a few companies may allow you to make a service request before this, so verify with customer service to find the exact waiting period for your situation.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement costs more than the home warranty covers, you will have to pay for the rest out of pocket.
The service fee is the price you pay each time there's a problem with a system or appliance. The service fees are typically between $60 and $150.
