Best 6 Home Warranty Companies in Staten Island, NY
- Fact Checked
- Updated 2024-06-22 00:00:00
Homeowners in New York know the challenges that come with the four seasons. According to the 2021 American Housing Survey, nearly 4 million homes have primary air conditioning and heating in the state. With snowstorms and hot, humid days, it's important to stay up to date with the maintenance of your home systems.
For many Empire State homeowners, a home warranty plan can reduce the cost of repairs or replacements for systems and appliances such as air conditioning, washing machines, refrigerators, and heating. That's why we've compiled a guide to the top home warranty companies in Staten Island, New York.
Ratings are based on our detailed proprietary methodology and review standards.
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Ratings are based on our detailed proprietary methodology and review standards.
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Ratings are based on our detailed proprietary methodology and review standards.
- 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
6 Best Home Warranty Companies in Staten Island
Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.
American Home Shield
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Cons
- Doesn’t let customers choose their own technician
- Offers limited add-on options
52 Years in Business
BBB Rating:B
Liberty Home Guard
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Cons
- Lacks transparency on service call fee pricing
- Excludes coverage for known or unknown pre-existing conditions
6 Years in Business
BBB Rating:A+
Select Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- 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
Cons
- Has a $75 cancellation fee
- Low coverage caps
11 Years in Business
BBB Rating:B-
AFC Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides an unlimited workmanship guarantee
- Offers generous appliance coverage limits
- Allows you to choose your own contractor
Cons
- Limits coverage limits for older items based on depreciated value
- Requires you to file a claim immediately after discovering an issue
14 Years in Business
BBB Rating:B
Cinch Home Services
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers home insurance deductible of $500
- Extends a long 180-day workmanship guarantee
- Provides generous $10,000 aggregate coverage limit
Cons
- Charges high service fees of $75-$150
- Doesn’t allow customers to choose their own technician
- Isn’t available in Hawaii or Alaska
45 Years in Business
BBB Rating:B
2-10 Home Buyers Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers a $25,000 annual coverage cap
- Pairs plans with a plan-length workmanship guarantee
- Offers unique perks such as color matching appliance replacements
Cons
- Charges a monthly processing fee if you choose monthly premiums
- Excludes washer and dryer coverage from most plans
39 Years in Business
BBB Rating:A-
BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.
Facts about Staten Island
- Average Max Temperature:60°F
- Average Min Temperature:46°F
- Average Annual Snowfall:27.6”
- Homeownership Rate:69%
- Median Home Size:1,511 sqft
- Median Home Price:$468,713
Are Home Warranties Worth It for Staten Island Residents?
Yes, home warranties are worthwhile for Staten Island residents. Summers in Staten Island can have some very hot days, which means it's important that your air conditioner is working well. However, over time this system can malfunction due to breakdowns from regular wear and tear.
Staten Island winters can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
Staten Island's heavy rain can also affect your home's roof. Some home warranty companies offer limited roof-leak protection to ease the financial burden of repair.
Lastly, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when choosing your home warranty plan.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee of approximately $65–$125 whenever you file a claim. A basic home warranty will be more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your particular needs before choosing a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Make a list of the systems and appliances that you use often and need coverage for. If you only want coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Home warranties generally only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover appliance components or cosmetic issues, routine maintenance, theft, or defects. Providers outline exclusions and limitations with their service contracts. Make sure you read it and understand your protection plan's exact terms and conditions.
Provider Reputation
Carefully consider a provider's reputation before committing to a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Reading these reviews gives you an idea of how providers handle customer service and claims. Check with the New York Division of Consumer Protection to verify that a provider holds a valid state license.
Contractor Network
Take into account a home warranty company's service provider network. Make sure to ask where and how it sources technicians—reputable providers should always use licensed and registered contractors. Select a provider that mentions the names of familiar contractors. Rural homeowners may consider choosing a home warranty provider that lets customers choose their technicians. It's important to have the option to source your own providers if there are no in-network ones available in your area.
Frequently Asked Questions about Home Warranty in Staten Island
No, you don't need a home warranty in Staten Island. However, we recommend purchasing one, as it helps you maintain a budget to cover expensive appliance and system breakdowns. It'll also save you time that would be otherwise spent looking for a trustworthy service technician.
A preexisting condition is a breakdown or issue a home appliance or system experienced before your coverage began. Most providers don't cover preexisting conditions. You should purchase a home warranty policy while all your appliances and systems still work for complete protection.
Staten Island's best home warranty provider depends on your specific needs. Liberty Home Guard is an excellent choice if you need unique coverage. Consider American Home Shield if you're looking for comprehensive coverage limits.
Yes, home warranties cover many kinds of home items aside from common appliances and systems. For example, some warranties cover pools and spas, septic systems, stand-alone freezers, well pumps, sump pumps, and more. Providers typically cover these items as add-ons. Check with a company representative to see what add-ons are available.
Home warranty policies typically don't cover already broken items. Therefore, most home warranty providers have a waiting period of 30 days before the start of coverage to ensure system and appliance breakdowns are from normal wear and tear rather than preexisting conditions.
A home warranty plan only covers home systems and appliances that need repairing and replacing due to normal wear and tear. Homeowners insurance, on the other hand, protects your home for damage from disasters like fires, accidents, and personal losses.
More Home Warranty Resources
Sources
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