A home warranty in Somers can help decrease your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
Many people in Somers have fulfilled their dream of homeownership. However, as great as Somers can be, there are always added responsibilities that come with owning a home, like keeping your home's systems and appliances maintained.
Finding the best home warranty plan for your Somers home can be time-consuming, so our team at House Method did the research for you to help you find the top home warranty in Somers. Read on for our home warranty recommendations and learn which plan works best for your home.
Deciding on the best home warranty in Somers for your family comes down to the type of coverage you're looking for, the home warranty provider you go with, and where you live, among other factors. Here is a list of factors that you'll want to be mindful of when choosing 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 for Somers residents. Choice has 2 plans for homeowners to decide between. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our Choice Home Warranty Review to learn more.
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 Somers residents. The 3 plans from AHS are comprehensive and offer both system and appliance coverage. When you buy a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered appliance or system.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our American Home Shield Review to learn more.
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 Somers residents. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC offers 2 plans for you to choose from.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
For a more detailed breakdown, read our The Home Service Club full review. To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
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
In Somers, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for over 43 years. Cinch has 3 plans for you to decide between. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information, read our comprehensive review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
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 Somers
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having one in place can provide some peace of mind and guard your bank account from exorbitant out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty policy.
When you have a system or appliance that experiences an issue, you file a claim with your home warranty provider. You can do so in an online portal or by calling them, and then a contractor will come and fix the problem. At this point, you will pay a service fee, which is usually between $60 and $150 depending on what plan you opt for. After the service fee is paid, a service technician will come to your home, assess the issue, and repair it. If the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs .
Home warranties help protect both home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear and tear. Typical appliances covered under a home warranty plan include a dryer, dishwasher, microwave, garbage disposal, refrigerator, washer, and more. The systems that are most commonly covered will be heating systems, electrical systems, hot water heaters, plumbing systems, and air conditioners. Add-on options can vary from one plan to another but often include things like a second refrigerator, central vacuum, sprinkler system, plumbing stoppages, and septic system.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things like pre-existing conditions, cosmetic damages, misuse, and lack of maintenance are excluded from the home warranty policy.
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Additionally, 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.
There are also some drawbacks to purchasing a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another consideration is that home warranties typically only cover repairs needed due to normal wear and tear. They most likely won't cover home systems or appliances that have stopped working due to improper maintenance, animal infestations, natural disasters, etc.
Although home warranties do have some drawbacks, whether during winter, summer, or the months in between, a home warranty can help mitigate the inevitable hassle of home appliances and system repairs, giving you some peace of mind.
Hopefully, you now feel confident that you can choose a home warranty in Somers after reading our guide. Choice Home Warranty is the best overall home warranty company in Somers. It offers comprehensive coverage at an affordable monthly or annual cost. However, other providers mentioned above are also great choices for Somers residents.
Our pick for the best overall home warranty in Somers is Choice Home Warranty but the perfect company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty is a type of contract that covers the repairs and replacements of your major home systems and appliances.
Typically coverage for a home warranty begins 30 days after payment. However, a few providers may allow you to file a claim before this, so verify with customer service to find the exact waiting period for your situation.
A home warranty covers repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and usually don't cover something that happened as a result of a pre-existing condition.
Home warranties will cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay for the rest out of pocket.
