Did you spend a number of days caught at house throughout a snowstorm final 12 months? Or possibly your electrical energy went out throughout a windstorm? It’s no secret that New York has been experiencing excessive climate currently and each home-owner has handled the way it impacts their house.
Time across the hearth or speaking by candlelight is simply romantic for one night time. Two days into an influence outage or with a blown furnace, you may want you’d purchased a house guarantee plan to have your again when issues actually get darkish. In case your dishwasher springs a leak or your air-con compressor fails, you can also make a number of calls looking for a plumber or HVAC technician or make one name to a house guarantee firm.
The very last thing you wish to do if you’re in an emergency is waste time discovering a good technician to repair the issue. Residence guarantee suppliers test references, licensure, and insurance coverage earlier than approving a technician for his or her community so that you simply don’t must spend time discovering an expert. After one name to put a declare, they draw on their community of certified technicians to repair your drawback.
Residence guarantee corporations cost both a month-to-month premium or a full 12 months upfront for his or her insurance policies. You’ll additionally pay a service price every time a service technician comes out on a name. These charges range, although they’re usually inside a aggressive vary.
I went secret purchasing to seek out the finest house guarantee firm in New York. After making use of for quotes on-line and over the telephone, studying on-line evaluations, and talking immediately with customer support representatives, I chosen my prime picks for every sort of house guarantee firm that would suit your wants.
Right this moment’s House owner makes use of particular evaluation standards when figuring out rankings. Precise elements analyzed embody plan choices and charges, availability, the claims course of, protection limits, what on-line reviewers must say, and extra. We would like you to have peace of thoughts if you choose one of the best house guarantee protection to your house.
Why Belief Us?
Right here’s how we ranked and reviewed the nation’s prime house guarantee corporations to deliver you probably the most correct data.
76
Our staff of consultants reviewed over 70 house guarantee suppliers to check plan choices, protection limits, costs, and buyer suggestions.
152
We collected over 100 pattern quotes from dozens of house guarantee corporations to offer you an correct have a look at business pricing.
6
Our score system scores suppliers based mostly on 6 key elements: protection choices, affordability, buyer expertise, fame, claims processes, and availability.
Learn our full Residence Guarantee Evaluation Methodology for extra particulars.
Prime 5 New York Residence Guarantee Corporations
Highlights
- Liberty Residence Guard is my prime choose as a result of they’ve an important record of add-ons, superior customer support, and cheap premiums. They regularly supply a reduction on their $125 service price which lowers it to round these of opponents, too.
- For those who learn something within the pattern contract, learn the exclusions. There are catches and surprises more often than not, similar to how Elite Residence Guarantee doesn’t present its full protection limits for the primary 90 days after you purchase a coverage.
- Add-ons add up quick. Masking a sump pump plus a pool with Liberty Residence Guard would enhance your month-to-month premium by $28.98 a month. Assume lengthy and exhausting about what you may afford to attend a number of days to have fastened and what could be a right away, pressing restore.
My Knowledgeable Suggestion
Right this moment’s House owner Ideas
Liberty Residence Guard has wonderful customer support, from the second you apply for a quote to when it’s essential to name with a declare.
Liberty Residence Guard has wonderful customer support, from the second you apply for a quote to when it’s essential to name with a declare. It takes only a few minutes to get a free quote, service representatives have at all times been nice to speak to, and on-line evaluations love their customer support expertise and quick claims course of. Month-to-month premiums are inside the regular business vary, although not the most affordable. Whereas their $125 service price is greater than that of opponents similar to AFC Residence Membership or Elite Residence Guarantee, the consultant supplied to decrease it to only $85 once I spoke with them on the telephone.
If you wish to cowl all of it, from the kitchen dishwasher to the basement sump pump, Liberty’s giant record of add-ons means you may shield nearly any a part of your private home. And should you do wish to add protection for one thing not on the record, Liberty will work with you so as to add it to your coverage!
Once you file a declare, Liberty ensures service inside 24–48 hours, or you may name somebody, and so they’ll reimburse you for the restore. They’re additionally one of many few house guarantee corporations with an app the place you may file claims, observe its progress, and see when your service technician will arrive.
Right this moment’s House owner Ideas
When selecting add-ons, ask your self what might break down in your own home and presumably be harmful. Whether or not it’s a damaged air-con unit when a senior dad or mum lives with you or a sump pump failure that causes sewage to again up in your basement, choose a plan that covers this stuff.
New York Residence Guarantee Corporations I Didn’t Embrace
Sadly, each business has its unhealthy actors. The house guarantee business isn’t any exception. There are two house guarantee corporations in New York I’d suggest avoiding. They’re each recognized for shady enterprise practices, notably when advertising and promoting insurance policies, and, in some instances, have run afoul of the authorities.
US Residence Guard’s advertising techniques have led to the corporate’s unhealthy fame. It’s not typically that the Higher Enterprise Bureau points a press launch warning customers about doing enterprise with an organization. On this case, they warned customers about US Residence Guard’s complicated and misleading advertising. Not solely does the corporate sends mailers that use scare techniques with topic strains similar to “Your private home guarantee is about to run out!” however they even ship them to householders who by no means had a house guarantee with them.
Whereas working beneath a distinct title, Whole Residence Safety, Service Plus Residence Guarantee paid a $400,000 settlement to the Pennsylvania Workplace of the Lawyer Basic in 2021 for misleading advertising. They modified their title to attempt to change their fame, however that doesn’t imply how they function has modified. Though I didn’t depart the field checked to obtain texts and telephone calls once I utilized for a quote, the corporate texted and referred to as a number of occasions a day for months.
I like to recommend steering away from each corporations.
Evaluate The Highest Rated Residence Warranties In New York
Quote and value knowledge gathered January 2024. Price knowledge are up to date and monitored repeatedly.
Our Critiques of the Greatest Residence Warranties in New York
Greatest for Customization
Liberty Residence Guard
4.6
Our Score
Restricted Time:
$200 Off + 2 Months free + Free Roof Leak Protection
For those who dwell in Albany, there’s a 26% likelihood extreme flooding will have an effect on your private home over the following 30 years. Owners with sump pumps of their basements will wish to make certain they maintain working; these with out one might think about having one put in. In case you have a house guarantee with Liberty Residence Guard, although, a damaged sump pump wouldn’t be an issue.
Liberty Residence Guard presents 42 completely different add-ons to customise your coverage, probably the most of any competitor on this record. Whether or not it’s a sump pump or a pool, they’ll cowl it. Further protection additionally provides to your month-to-month premiums. Nevertheless, Liberty’s pricing is cheaper than many opponents.
Inside 24–48 hours of submitting a declare, Liberty ensures you’ll obtain service. It’s one of many few house guarantee suppliers with an app that allows you to observe your declare and repair technician’s progress. If there’s some purpose they will’t get somebody out to your own home inside that window, and even when you have a service technician you like, you may arrange a service name with them by yourself. Liberty pays the technician immediately, although you’ll must confirm that they’re licensed and insured.
The corporate’s giant record of add-ons and the flexibility to decide on a service technician make it one of the best for personalization.
Not each home-owner will want extra protection. For many who don’t want many extras, the 42 choices may very well be overwhelming. And Liberty’s charges for these choices are additionally generally greater than competitor’s costs. For instance, pool and spa protection prices $18.00 a month with American Residence Defend however $19.99 a month with Liberty.
Each time you file a declare, you’ll pay a service technician to come back out to your own home. These service name charges add up, and Liberty has one of many greater charges within the enterprise. Its service name price of $125 is greater than Choose Residence Guarantee or Elite Residence Guarantee. In addition they have a low protection restrict, or the utmost an organization can pay out for a restore or alternative, of simply $2,000 per coated merchandise. For those who don’t want the customization choices, the upper charges may not be value it.
Backside Line: 9.3/10
With Liberty Residence Guard, householders will get cheap premiums and charges together with many choices for added protection. The corporate guarantees brief wait occasions, or they’ll allow you to use your personal technician. And I like that prospects have visibility into their claims by means of monitoring and updates on its app. Liberty works to satisfy the wants of all householders looking for an important house guarantee plan.
Plans and Protection: 10/10
Liberty Residence Guard sells three house guarantee plans. All of them have a 30-day ready interval earlier than protection begins. Protection limits are the identical beneath every plan, simply $2,000 per coated merchandise.
Their Programs Guard plan provides you methods protection, the Equipment Guard plan gives equipment protection, and the Whole Residence Guard plan combines methods and equipment protection for Liberty’s most complete plan. For those who purchased a guaranty or service plan on new home equipment or if you had methods put in, certainly one of these plans might cowl the remainder.
The Programs Guard Plan gives protection for house methods similar to plumbing methods, heating methods, an air conditioner, ductwork, water heaters, and electrical methods. The Equipment Guard Plan protects all main home equipment: garments washer, garments dryer, fridge, built-in microwave, dishwasher, vary/oven/cooktop, rubbish disposal, ceiling followers, storage door openers, and exhaust followers.
However when you have no current service plans or warranties on both your home equipment or methods, the Whole Residence Guard plan provides you probably the most complete protection. It combines the protection of the opposite two plans in an effort to have peace of thoughts.
Once you purchase your coverage, you may select month-to-month or annual funds. For those who pay a 12 months upfront, the corporate provides you with two free months. There are advantages to prepaying for extra years, too. For those who prepay for 3 years, you get 4 months free. Present on-line offers offer you $200 off for a full-year plan plus restricted roof leak safety. They usually cost a $125 service price, however once I referred to as and emailed, the representatives supplied to scale back it to $85 if I signed up that day.
| Plan | Month-to-month Price | Service Price | Out there Reductions |
| Equipment Guard | $49.99 | $125 | One 12 months paid upfront $499.99 (2 months free) |
| Programs Guard | $54.99 | $125 | One 12 months paid upfront $549.99 (2 months free) |
| Whole Residence Guard | $59.99 | $125 | One 12 months paid upfront $599.99 (2 months free) on-line, $575 (2 months free) over the telephone |
Editor’s Be aware: The fee knowledge talked about on this article was sourced for a single-family, two-bedroom house beneath 5,000 sq. toes in Albany, NY. The fee knowledge introduced was correct on the time of writing.
Out there Add-Ons
Owners with a sump pump, a generator, or a central vacuum can add them onto their coverage with Liberty Residence Guard. Liberty’s 42 add-ons embody:
- Pool and spa: $19.99/month
- Further spa: $9.99/month
- Garden sprinkler system: $9.99/month
- Saltwater pool: $23.99/month
- Generator: $19.99/month
- Casita visitor unit: $35.99/month
- Sump pump: $8.99/month
- Effectively pump: $12.99/month
- Septic system pumping: $12.99/month
- Ejector pump: $14.99/month
- Grinder pump: $14.99/month
- Restricted roof leak: $11.99/month
- Re-Key: $9.99/month
- Gutter cleansing: $14.99/month
- Pest management: $14.99/month
- Carpet cleansing: $19.99/month
- Window washing/cleansing: $19.99/month
- Energy washing (exterior flooring): $19.99/month
- Central vacuum: $8.99/month
- Stand-alone freezer: $5.99/month
- Water softener: $13.99/month
- Swamp cooler: $14.99/month
- Second fridge: $7.99/month
- Trash compactor: $7.49/month
- Ice maker (in-fridge): $3.99/month
- Freestanding ice maker: $14.99/month
- Wine cooler/fridge: $11,99/month
- Water dispenser water line: $4.99/month
- Prompt sizzling water dispenser: $9.99/month
- Reverse osmosis water filter system: $14.99/month
- Lighting: $7.99/month
- Plumbing fixtures: $7.99/month
- Electronics safety: $19.99/month
- TV mounting (as much as 65-inch TVs): $14.99/month
- TV mounting (as much as 85-inch TVs): $19.99/month
- Professional-Sequence Fridge: $14.99/month
- Professional-Sequence Stand Alone Freezer: $14.99/month
- Professional-Sequence Vary/Oven/Cooktop: $12.99/month
- Professional-Sequence Dishwasher: $7.99/month
- Professional-Sequence Microwave: $4.99/month
- Professional-Sequence Washing Machine: $4.99/month
- Professional-Sequence Garments Dryer: $4.99/month
In case you have a singular system or equipment that you simply don’t see on this record, don’t despair. For those who contact LHG with the make and mannequin of any merchandise that’s not on this record, they’ll attempt to offer you specialised protection.
It may be exhausting to select from an awesome record of add-ons. That can assist you make the choice, if you’re making use of for a quote, the web site reveals the preferred choices in your state. It’s useful to see what different New York householders thought they wanted with their properties.
Exclusions
An exclusion is an merchandise or restore that the house guarantee supplier gained’t cowl. All corporations have them, so that they’re not trigger for alarm. Liberty Residence Guard’s plans exclusions embody:
- Flues, vents, chimneys, and exhaust strains
- Electronics, computerized, “good,” or Web/enabled elements and components
- Filters related to any coated objects
- Distant receiving and transmitting units
- Radon and different leak detection monitoring methods
- Fireplace sprinkler methods
- Lighting
- Photo voltaic methods and functions
- Beauty defects
- Disposal of home equipment, methods, or elements
- Cranes or different specialty automobiles required to put in, take away, or entry your home equipment or house methods
- Glass components
- Noise
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions are usually not exhaustive, and extra exclusions might apply.
Affordability: 8.9/10
Choose Residence Guarantee and Elite Residence Guarantee cost barely greater than Liberty for his or her most complete plans, whereas AFC Residence Membership is cheaper. Liberty Residence Guard runs in the course of its opponents, utilizing undiscounted costs for its plans.
Its decrease rating comes from the upper pricing for added protection. For instance, Elite Residence Guarantee is available in at $4.08 a month for a central vacuum, whereas Liberty prices $8.99 a month. A sump pump can be $8.99 a month, however it’s $3.33 a month with Choose Residence Guarantee. Each Elite Residence Guarantee and Choose have decrease service charges, too. After 30 days, you’ll pay a $50 cancellation price and solely obtain a prorated refund. Not all opponents cost a cancellation price.
To get one of the best deal, discuss to Liberty on the telephone. After I’ve referred to as in, they’ve supplied me a decrease service price on a number of events.
Buyer Expertise: 7.8/10
Liberty Residence Guard has constructed a robust fame for its clear and useful service. As a substitute of auto-renewing your coverage, 60 days earlier than it’s up for renewal, the renewals division calls to test if you wish to renew. You possibly can cancel earlier than you see a shock cost hit your bank card or make adjustments to your coverage. For those who’re sad at any time throughout your annual coverage, they allow you to cancel and obtain a partial refund.
Customer support over the telephone is great — useful, pleasant, and never pushy. They’ve a well-designed, complete web site with a lot of the data you’d must know, together with a straightforward on-line quote course of. Prospects can submit a service request 24/7/365, too.
Firm Popularity: 7.7/10
Liberty Residence Guard is a more recent firm based in 2017, however its prospects depart rave evaluations on-line. On Trustpilot, Liberty has 4.7 out of 5 stars on Trustpilot and Google. Not solely do prospects love customer support representatives, however in addition they reward fast and expedited claims processes for vital repairs. In addition they stated that the service technician bought the job achieved proper the primary time.
Whereas most reviewers had constructive experiences with service technicians, Liberty ensures all workmanship for 60 days after service in case one thing goes flawed. If another person wants to come back out for a similar restore, you gained’t pay one other service price.
Some destructive evaluations clearly come from a misunderstanding about protection limits and exclusions. For those who’re frightened, learn the advantageous print in your contract.
| Score Website | Score | Variety of Critiques |
| BBB | Not Rated*4.5 / 5 stars | 2,488 |
| Trustpilot | 4.7 / 5 stars | 2,909 |
| 4.7 / 5 stars | 10,891 | |
| Yelp | 1.4 / 5 stars | 62 |
Editor’s Be aware: The scores supplied have been correct on the time of writing.
Be aware as of April 26, 2024: Lately the Higher Enterprise Bueau shifted LHG’s A+ score to “NR” (Not Rated). We reached out to a consultant from LHG for remark and so they shared this assertion: “Regardless of the BBB’s alert, our buyer satisfaction ranges stay by far the best relative to our scale. Final month, we had the bottom share of buyer cancellation requests in our total historical past. On the BBB’s personal platform, Liberty HOme Guard has achieved a star score of 4.5 out of 5 stars from almost 2,500 evaluations. For added context, the roughly 480 resolved complaints on Liberty Residence Guard’s BBB profile equate to an especially low fraction of a share relative to the dimensions and scale of our whole buyer base. As we navigate this example, which we imagine will probably be resolved in time, we wish to guarantee you that we stay dedicated to our prospects and their satisfaction; they’re the important thing stakeholders we orient all our efforts round.”
Claims Course of: 8.4/10
For those who want to handle your life digitally, you may obtain Liberty Residence Guard’s app after signing up for protection. Though you may nonetheless name in to file a declare or use the shopper portal on its web site, you may observe your declare’s progress on the app. You gained’t be left shivering within the chilly, questioning when your technician will arrive, as you may see their projected arrival time proper there.
Liberty’s service price stays the identical whether or not you need assistance throughout enterprise hours, at night time, or on the weekend. With some opponents, similar to Elite Residence Guarantee, the service price is greater for service exterior the traditional nine-to 5. After partnering with Progressive Insurance coverage, Liberty’s technician community has grown, rising the chance you gained’t wait lengthy for service.
Availability: 10/10
Liberty Residence Guard has 24/7/three hundred and sixty five days a 12 months availability by telephone, its web site, or its app. It operates in all 50 states, which implies the corporate should adjust to a number of state rules. That will increase confidence in its means to serve your wants.
Greatest Protection Limits
American Residence Defend
4.3
Our Score
Restricted Time:
40% Off Our Most In style Plan
Suppose you don’t wish to fear whether or not or not your private home guarantee firm’s protection limits will probably be sufficient to totally change an merchandise or pay for all of a restore. In that case, American Residence Defend has a number of the finest protection limits. Whereas different corporations like Liberty Residence Guard solely have protection limits as much as $2,000 to $3,000, AHS will cowl as much as $4,000 for home equipment and $5,000 for HVAC, relying on the plan you choose.
For those who invested in top-of-the-line home equipment or costly methods, the decrease protection limits of different house guarantee suppliers would solely cowl a portion of repairs or alternative. A $2,000 per coated merchandise at Liberty Residence Guard doesn’t cowl a lot of the alternative price of an expert vary. However should you purchased the ShieldPlatinum plan with AHS, you’d be coated as much as $4,000 for home equipment.
For those who select the ShieldPlatinum plan, you’ll additionally get roof leak protection of as much as $1,000 per contract time period and a free HVAC tune-up to maintain your furnace in tip-top form. In contrast to different opponents, like Elite Residence Guarantee, service charges don’t enhance on nights and weekends. They’re at all times both $100 to $125 per service name, and also you choose which price if you join.
AHS’s 30-day workmanship assure is among the shortest on this record. Each Liberty Residence Guard (60 days) and Elite Residence Guarantee (90 days) will cowl repairs longer. However AHS can pay for repairs wanted due to regular put on and tear and gained’t ask for upkeep information, in contrast to different house guarantee corporations.
Sadly, AHS has numerous unfavorable on-line evaluations. Customer support ranks decrease than each Elite Residence Guarantee and Liberty Guard, and my expertise when calling has been the identical as on-line evaluations. Representatives don’t ask questions on your private home, extra protection you might want, or why you’re purchasing. They soar straight to promoting the most costly plan.
Whereas AHS brags about its giant community of technicians, that doesn’t assure that the technician despatched to your own home has the expertise or experience wanted to finish a restore. Buyer complaints typically point out inexperienced technicians who couldn’t full the work in a single journey or who charged them further for repairs. Since $100 to $125 for service charges are greater than some opponents, you don’t wish to pay somebody to come back out for a similar restore greater than as soon as. And a 30-day workmanship assure is probably not sufficient time so that you can discover out {that a} technician didn’t do the restore correctly.
Backside Line: 9.3/10
If your private home has older home equipment, you gained’t want AHS’s greater protection limits and may not wish to pay the upper service charges. Nevertheless, when you have costly home equipment and methods, you’ll need greater protection limits. You’ll get the 30-day workmanship assure however customer support doesn’t charge extremely.
Plans and Protection: 10/10
AHS sells three plans to cowl both home equipment, methods, or each. The ShieldSilver plan is both $89.99 or $79.99 a month and it protects main methods, similar to heating, plumbing methods, air-con, and electrical methods. In case you have warranties in your home equipment, methods protection might shield the opposite main objects in your house.
However should you don’t have equipment warranties, ShieldGold provides protection for kitchen and laundry home equipment to the protection of ShieldSilver.
With the ShieldPlatinum plan, you get all the things within the ShieldGold plan, plus roof protection and a free HVAC tune-up. It additionally covers $250 of code violations, essential permits, and modifications should you want them as a part of your restore.
There’s an HVAC restrict of $5,000 per system with each plan. Nevertheless, the equipment restrict is $2,000 per equipment beneath the ShieldGold plan, however it will increase to $4,000 per equipment with ShieldPlatinum. For those who personal high-end home equipment, ShieldPlatinum is one of the best plan.
AHS regularly presents a 40% low cost off ShieldGold, whether or not you purchase on-line or if you name. I’ve by no means seen the opposite plans diminished. I like that prospects do have flexibility with their month-to-month premiums to regulate them to suit their price range. If it’s vital to maintain your month-to-month bills low, selecting the next service price results in a decrease month-to-month premium. For instance, choosing the upper $125 service price lowers the month-to-month premium for the ShieldGold plan from $66.00 to $66.00.
| Plan | Month-to-month Price | Service Price* | Out there Reductions |
| ShieldSilver | $89.99-$79.99 | $100-$125 | No present low cost |
| ShieldGold | $66.00- 60.00 | $100-$125 | 40% off on the web site |
| ShieldPlatinum | $139.99 – $129.99 | $100-$125 | No present low cost |
*For those who select the decrease service price of $100, you pay the upper month-to-month premium. For instance, the $139.99 with the Platinum Plan pairs with the $100 service price.
Editor’s Be aware: The fee knowledge talked about on this article was sourced for a single-family, two-bedroom house beneath 5,000 sq. toes in Albany, NY. The fee knowledge introduced was correct on the time of writing.
Out there Add-Ons
For those who’re trying for lots of extra protection, you may wish to have a look at different house guarantee suppliers. American Residence Defend solely presents six add-ons.
- Roof leak restore: $10/month
- Electronics safety plan: $14/month
- Pool & built-in-spa gear: $24/month
- Visitor unit: $26.99/month
- Septic pump: $5/month
- Effectively pump: $8/monthmonth
Exclusions
American Residence Defend has a generic exclusions record that provides the corporate numerous room to disclaim claims. Some opponents, like Liberty Residence Guard and Choose Residence Guarantee, have extra particular exclusions.
- Development or carpentry prices
- Restoration of partitions
- Flues, chimneys, venting, and exhaust strains
- Repairs or replacements on account of beauty defects
- Repairs on account of mould
- Home equipment not coated beneath the ShieldSilver plan
- Pure disasters
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions are usually not exhaustive, and extra exclusions might apply.
Affordability: 8.9/10
American Residence Defend’s charges aren’t probably the most reasonably priced. Its most full plan could be near $15 greater than its competitor’s most complete choices, relying on specials supplied by opponents. Its service price is on the excessive finish, too, although you may choose a decrease choice.
There are not any charges for emergency or after-hours calls; the service price stays the identical irrespective of if you need assistance. American Residence Defend solely sells annual contracts, and its wonderful protection limits reset yearly should you renew. However since they’re per time period, in case your HVAC wants a $5,000 restore within the first two months of protection, if it breaks once more 4 months later, you’ll must pay for the restore your self.
Buyer Expertise: 8.4/10
It’s simple to get a quote on-line and to mess around with add-ons and repair charges. However if you name for assist, representatives battle to reply questions that don’t come from a FAQ record or comply with a script. Even once I requested a query otherwise, they repeated speaking factors time and again till I grew to become pissed off.
I like to recommend getting an internet quote earlier than you name and discuss to somebody. Two representatives I spoke to didn’t supply the low cost on ShieldGold till I discussed it, and they’d have charged me the total worth.
Firm Popularity: 7.7/10
American Residence Defend has a Higher Enterprise Bureau score of B and constructive evaluations of 4.5 out of 5 stars on Google, however buyer evaluations on Trustpilot and Yelp rank it decrease. Prospects complain about related communication difficulties that I had once I referred to as. Those that bought their coverage with an actual property transaction have been sad when one thing broke after closing.
Others say that after they filed a declare, there weren’t certified service technicians of their space. Communication points carried into difficulties when a buyer wished to cancel.
Optimistic evaluations discuss AHS paying for big repairs and changing a number of main objects, similar to a brand new garments dryer or an air-con unit. Based mostly on evaluations, AHS has paid out up to now on many claims.
| Score Website | Score | Variety of Critiques |
| BBB | B,2.11 / 5 stars | 11,108 |
| Trustpilot | 2.1 / 5 stars | 5,297 |
| 4.5 / 5 stars | 33,031 | |
| Yelp | 1.1 / 5 stars | 1,300 |
Editor’s Be aware: The scores supplied have been correct on the time of writing.
Claims Course of: 8.4/10
Whereas some opponents like Liberty Residence Guard and Choose Residence Guarantee give a response window throughout which they’ll attempt to have a technician at your own home, AHS doesn’t even say it is going to attempt to have a service technician out inside a set timeframe. Its web site and representatives merely say that they’ll arrange a service appointment inside 24-48 hours after you file a declare. On condition that many shoppers talked about of their evaluations that it took weeks to get one thing fastened, I discover this regarding.
You’ve bought two methods to file a declare: on-line or over the telephone. Due to their workmanship assure, when you have an additional drawback with an merchandise 30 days after it’s been repaired, AHS doesn’t cost one other service price to ship out one other technician.
Availability: 10/10
AHS has 17,4500 contractors and 4,500 service technicians in its nationwide community to reply 24/7/three hundred and sixty five days a 12 months to claims. It additionally sells insurance policies nationwide.
Greatest Worth
Choose Residence Guarantee
4.2
Our Score
Restricted Time:
$150 Off (Code HOUSE25)
An awesome choice for New York householders on a strict price range, Choose Residence Guarantee sells moderately priced plans and has one of many lowest service charges within the enterprise. Whereas competitor’s service charges begin at $100 and go as much as $125, Choose Residence Guarantee solely prices a $85 service price with all its plans and can dispatch a service technician inside 24-48 hours.
Whereas the corporate will ship a number of texts after you apply for a quote, after a month of not buying a plan, they supplied to decrease the service price to only $60 plus give me three months free. It’s value it to get a quote after which wait to buy. The fundamental plan prices simply $44 a month with its normal $150 low cost. Undiscounted costs aren’t the most affordable, however the firm has supplied the low cost because the starting of the 12 months.
Choose Residence Guarantee ensures service technician’s workmanship for as much as 90 days, for much longer than American Residence Defend’s 30-day assure. Owners get numerous worth after they purchase a plan with Choose.
Nobody likes to make a number of calls to repair the identical drawback. Even with low-cost service charges and an important workmanship assure, on-line evaluations point out you could possibly must name Choose a number of occasions to get one thing fastened. A frequent chorus in on-line evaluations is complaints about unqualified technicians and incomplete repairs.
Prospects additionally say that the corporate didn’t honor its promise to ship somebody out inside 24-48 hours of submitting a declare and that it repeatedly denied legitimate claims. The add-ons record is kind of brief, with solely 9 add-ons. Solely American Residence Defend has a shorter record. Whereas Liberty Residence Guard prices a $50 cancellation price, Choose’s cancellation price is $25 greater after 40 days, at $75 to cancel.
Backside Line: 8.4/10
It’s simple to suit Choose Residence Guarantee’s plans into any price range, and its service charges shouldn’t harm too badly if you want a restore. After a restore, the workmanship assure lasts for 90 days, one of many longest ensures within the enterprise. You’ll get numerous worth should you join with Choose Residence Guarantee.
Plans and Protection: 8.3/10
Choose Residence Guarantee sells three guarantee plans with several types of protection. Like many suppliers, they cut up their protection between home equipment, methods, and each. For those who don’t want equipment protection, Choose’s Gold Care plan covers a house’s methods, similar to air-con, ductwork, heating, plumbing, and electrical methods.
What if it’s essential to cowl your home equipment as a substitute? The Bronze Care plan protects your range, cooktop, or oven, fridge, dishwasher, garments washer and dryer, rubbish disposal, and built-in microwave. For householders who need all of it, the Platinum Care plan, Choose combines all the things within the different two plans to guard each methods and home equipment. It additionally expands protection to a storage door opener, ceiling fan, and plumbing stoppages.
Choose solely gives protection for HVAC, both restore or alternative, as much as $3,000, a lot decrease than opponents American Residence Defend and Elite Residence Guarantee. The protection for home equipment, plumbing, and electrical is simply $500, which is kind of low. Any extra protection you’ve chosen as an add-on, similar to a stand-alone freezer, has a protection restrict of $400.
To get two months free and $150 off the entire annual charges, pay for a full 12 months upfront. The deal is obtainable on-line and over the telephone. However the two free months aren’t subtracted out of your whole protection, they lengthen your whole contract time period to 14 months.
| Plan | Month-to-month Price* | Service Price | Out there Reductions |
| Bronze Care | $44.92 | $75 | $150 off low cost on the telephone, and two months free should you pay the annual price up-front. |
| Gold Care | $44.92 | $75 | $150 off low cost on the telephone, and two months free should you pay the annual price up-front. |
| Platinum Care | $47.75 | $75 | $150 off low cost on the telephone, and two months free should you pay the annual price up-front. |
*Be aware: month-to-month price figures supplied embody the discounted charge supplied at time of writing. Choose Residence Guarantee has been operating this promotion because the starting of this 12 months.
Editor’s Be aware: The fee knowledge talked about on this article was sourced for a single-family, two-bedroom house beneath 5,000 sq. toes in Albany, NY. The fee knowledge introduced was correct on the time of writing.
Out there Add-Ons
Choose Residence Guarantee’s record of 9 add-ons to extend your plan’s protection has far fewer choices than Liberty Residence Guard or Elite Residence Guarantee. Nevertheless, their sump pump protection is the most affordable, and Choose is just one of two house guarantee suppliers that supply septic system protection (American Residence Defend solely covers the septic pump, not the entire system).
- Central Vacuum: $3.33/mo
- Garden Sprinkler System: $5.83/mo
- Pool: $8.33/mo
- Roof Leak: $0/mo
- Septic System: $5.83/mo
- Spa: $5.83/mo
- Stand Alone Freezer: $3.33/mo
- Sump Pump: $3.33/mo
- Effectively Pump: $3.33/mo
Exclusions
All contacts with house guarantee corporations have exclusions for objects and residential companies that aren’t coated. SHW’s contracts exclude preexisting points or something it’s best to have moderately recognized about. Different exclusions are:
- Secondary harm (i.e., your private home guarantee might cowl roof harm however gained’t cowl water harm attributable to the leak)
- Incorrect set up or malfunctions on account of development harm or improper wiring
- Points with methods or home equipment associated to hazardous or poisonous supplies (i.e., mould, asbestos, gasoline leaks, and so forth.)
- Frequent areas in condominiums or household properties
- Photo voltaic heating methods
- Harm attributable to pure disasters and rust
- Defects or damages attributable to the inspiration and construction of the house
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions are usually not exhaustive, and extra exclusions might apply.
Affordability: 9.1/10
Choose’s discounted plan pricing is inside a standard vary for the business, and if you get a reduction, it’s the most affordable choice reviewed on this article. And not using a low cost, plan pricing is greater than most opponents.
Just one competitor, Elite Residence Guarantee, beats Choose’s pricing for service name charges — solely $75 versus $100 to $125 with competitor’s plans. Its pricing for add-ons is kind of low, too.
If you wish to cancel your contract with Choose Residence Guarantee, they solely give prorated refunds after the primary 30 days of protection, and you need to pay a $75 cancellation price.
Buyer Expertise: 8.4/10
Most representatives I’ve spoken with have been well mannered however pushed exhausting to shut the sale. A few of them sounded bored and impatient once I wished extra data. They didn’t ask questions on what I wanted for my house or why I used to be fascinated about shopping for a house guarantee, nor did they attempt to discover one of the best plan. Choose outsources their customer support, which might result in communication difficulties.
It’s simple to get a quote on-line, although, and to mess around with add-ons and see pricing. And their lengthy workmanship assure is a perk when you have older, finicky home equipment liable to breaking down typically.
Firm Popularity: 8.0/10
Many customers don’t perceive that their house guarantee coverage most likely gained’t pay for 100% of any restore or alternative. Protection limits aren’t clearly disclosed on the quote pages; they’re hidden within the contract’s advantageous print. It solely takes studying by means of a number of evaluations for Choose Residence Guarantee to comprehend that the reviewers both didn’t perceive or find out about protection limits.
Neither Choose’s FAQs web page nor their quote screens discuss their protection limits. And representatives haven’t talked about or introduced them up once I’ve referred to as for a quote, I’ve needed to ask.
Even when a number of the repairs fell beneath the guarantee’s protection, prospects have been upset that it took a very long time to get service. Regardless of its promise {that a} service technician will probably be at your own home inside 24-48 hours, many complaints say that it took a number of days. In addition they say that it was exhausting and time consuming to cancel, and that the corporate dragged issues out by transferring their name a number of occasions.
Nevertheless, Choose has a B score on the Higher Enterprise Bureau and an honest rating of three.8 out of 5 stars on Trustpilot, although many constructive evaluations relate to customer support when shopping for the coverage. My recommendation earlier than shopping for is to learn the advantageous print and be sure to perceive what you’re getting.
| Score Website | Score | Variety of Critiques |
| BBB | B, 1.39 / 5 stars | 2,108 |
| Trustpilot | 3.8 / 5 stars | 4,833 |
| 3.8 / 5 stars | 20,074 | |
| Yelp | 1.0 / 5 stars | 9 |
Editor’s Be aware: The scores supplied have been correct on the time of writing.
Claims Course of: 7.6/10
There are two methods to submit a service request with Choose Residence Guarantee: by means of their on-line buyer portal or over the telephone. Whereas the corporate says it’ll contact somebody for the restore inside the subsequent 24-48 hours, this promise is deceptive. After I learn “24-48 hours,” I believe that’s the timeframe for the restore to happen, however they make no claims about if you’ll truly obtain service for normal calls. The window is for after they’ll contact a service supplier.
Different opponents have a shorter response window throughout which they promise to both ship somebody out or, within the case of Liberty Residence Guard, allow you to choose a service supplier. For those who had an pressing restore, like your furnace going out throughout the coldest week in January, I’d be extra assured with Liberty Residence Guard or Elite Residence Guarantee. Some on-line evaluations declare that it took over per week after contacting Choose for a service technician to carry out the restore.
Availability: 10/10
Choose Residence Guarantee sells insurance policies nationwide. You possibly can apply for a quote, buy a coverage, and file claims on-line or contact them over the telephone.
Greatest Buyer Rankings
Elite Residence Guarantee
4.3
Our Score
Restricted Time:
$150 Off + 1 Month Free
Elite Residence Guarantee’s nice customer support, excessive protection limits, and lengthy workmanship assure have made it one of the best house guarantee supplier for buyer satisfaction.
The corporate doesn’t spam your telephone with fixed calls and texts after you apply for a free quote, in contrast to Choose Residence Guarantee’s day by day texts for over a month. Customer support representatives are affected person and pleasant when answering questions. They ask exploratory questions that will help you choose one of the best protection and even offer you a direct quantity to name again.
All repairs by Elite’s service technicians include 90-day components, labor, and set up assure. Whereas opponents’ workmanship ensures usually cowl components and labor, it’s uncommon for them to incorporate set up. Solely AFC Residence Membership presents an extended assure (the lifetime of your relationship with the corporate). Add-on choices enhance protection limits for premium home equipment as much as $6,000, and different protection has a restrict of $10,000, which is 2 to a few occasions some competitor’s protection limits.
For those who’re attempting to mix cheap charges and complete protection, the pricing for Elite’s add-ons might offer you pause. Most of their add-ons price greater than opponents. For instance, sump pump protection is $8.33 with Elite however solely $3.33 with Choose Residence Guarantee. To cowl your pool and spa, you’ll pay an additional $16 a month, which is $1.84 a month greater than Choose Residence Guarantee. To search out out extra, click on on an merchandise on their extra protection record. However bear in mind to divide its protection by 12 to get the month-to-month worth as a result of they record charges yearly.
Rivals don’t cost the next service price for service calls at night time or on the weekend. But when your dishwasher begins leaking on a Saturday and you actually need a service technician instantly, you’ll pay a $150 service price as a substitute of Elite’s standard $70 service price. In my expertise, home equipment and methods hardly ever break when it’s handy. For those who don’t wish to pay the upcharge, you could possibly be dwelling with out a dishwasher for a number of days earlier than they will ship somebody out.
Pay shut consideration to the contract’s advantageous print, too. Most house guarantee corporations have a 30-day ready interval, after which full protection begins. Elite extends its ready interval longer for a few of its protection to start. Alternative protection is simply obtainable after 90 days, and till these 90 days are up, Elite’s whole legal responsibility for repairs and components is simply $300. For those who haven’t had your water heater or different big-ticket objects serviced recurrently, Elite might decrease its protection restrict to $500 should you file a declare. If the service technician thinks that the merchandise wants restore on account of neglect or a scarcity of upkeep, Elite gained’t pay out to its full protection restrict.
Backside Line: 8.6/10
Elite Residence Guarantee is finest in buyer satisfaction on account of wonderful service, excessive protection limits that enchantment to luxurious householders, and a complete workmanship assure. Simply take note of the diminished protection limits throughout the first 90 days of buying a contract, nonetheless.
Plans and Protection: 10/10
Elite sells three guarantee plans: a systems-only plan, an appliances-only plan, and a complete plan that mixes the protection of the opposite two.
Elite’s protection limits are greater than the business normal of $2,000 to $3,000 if you add on protection. Protection limits for home equipment have been the best I discovered in my secret purchasing — they max out at $6,000, and system payouts are as a lot as $10,000. American Residence Defend is available in subsequent with as much as $5,000 on HVAC, which is sweet, however with certainly one of Elite’s add-ons HVAC protection will increase to $7,000.
The issue is that Elite severely restricts their protection limits if you first purchase a coverage. Yow will discover their service agreements on-line and filter by state. For New York, beneath each plan they promote, alternative protection doesn’t kick in for 90 days. It’s restricted by exclusions regarding lack of upkeep and repairs, although they enhance it over time by 10%. The protection on different objects drops to $500 if a service technician thinks you uncared for it or failed to take care of it.
Whereas I used to be secret purchasing, the customer support consultant supplied $150 off plan pricing if I signed up throughout our name. You’ll get one of the best offers with Elite over the telephone.
| Plan | Month-to-month Price | Service Price | Out there Reductions |
| Elite Equipment | $34.99 | $70 | $150 sign-up, 30-day free trial |
| Elite Programs | $49.99 | $70 | $150 sign-up, 30-day free trial |
| Elite Full | $59.99 | $70 | $150 sign-up, 30-day free trial |
Editor’s Be aware: The fee knowledge talked about on this article was sourced for a single-family, two-bedroom house beneath 5,000 sq. toes in Albany, NY. The fee knowledge introduced was correct on the time of writing.
Out there Add-Ons
Elite Residence Guarantee presents the second-largest record of add-ons after their competitor Liberty Residence Guard. Further protection choices embody (annual worth):
- Annual HVAC upkeep: $299.99
- Attic exhaust fan: $69.99
- Central vacuum: $49.00
- Drainage, sewer, and water service strains: $349.99
- Effluent pump: $99.99
- Ejector pump: $99.99
- Freestanding freezer: $59.99
- Freestanding ice makers: $59.99
- Freestanding spa gear: $119.99
- Generator: $99.99
- Geothermal heating and cooling methods: $299.99
- Grinder pump: $99.99
- Visitor home: $299.99
- Jetted sizzling tub: $99.99
- Garden sprinkler system: $99.99
- Carry pump: $99.99
- Restricted patching restore: $99.99
- Pool and spa gear: $199.99
- Pool gear: $149.99
- Premium home equipment: $249.99
- Premium advantages: $199.99
- Premium methods: $299.99
- Premium methods plus: $499.99
- Septic system: $129.99
- Sump pump: $99.99
- Swamp cooler: $149.99
- Water softeners: $99.99
- Water filtration system: $99.99
- Effectively pump: $99.99
- Wine cooler: $69.99
Exclusions
Elite has a handful of exclusions that apply no matter how lengthy you’ve had a coverage with them:
- Pure disaster-related damages
- Malfunction or damages on account of acts of God
- Business-grade home equipment
- Models in a rental property
- Beauty harm
- A scarcity of upkeep
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions are usually not exhaustive, and extra exclusions might apply.
Affordability: 8.7/10
Elite has aggressive pricing for its plans. Typically, it’s cheaper than different suppliers. The Elite Full plan, their most complete choice, prices lower than American Residence Defend’s Platinum Plan. However be careful for further prices; for instance, Elite will increase their service price on nights and weekends despite the fact that opponents like AHS and Liberty.
After enterprise hours a service name prices a $150 service price as a substitute of the traditional $70. Elite may even cost a $150 service price to restore professional-grade house home equipment. To get most protection limits, that are a giant promoting level for Elite, you need to pay further. To extend your HVAC protection to $7,000 you’ll pay an additional $299.99 extra a 12 months or roughly $25 extra a month.
Buyer Expertise: 7.6/10
Elite’s web site has clear data that educates prospects about their plans. There are pattern insurance policies you may learn to dig into the coverage’s protection and exclusions. Click on on the pop-ups for every merchandise to seek out out what’s and isn’t coated inside an included house equipment or system. For instance, inside your dishwasher, the water pump, hoses, and water valves are all coated. With different corporations, you may solely discover this data of their contract’s advantageous print.
I like to recommend studying the service settlement — within the advantageous print, I discovered protection limitations throughout the first 90 days. As nicely, you’ll have to attend 90 days for the utmost protection limits for home equipment, HVAC, and extra to start.
You can not apply for a quote or purchase on-line, you need to discuss to somebody on the telephone. The client consultant jumped straight to promoting me the most costly plan, however he fortunately answered questions on different plans. He defined why completely different plans might work for my house; general, it was a pleasing expertise. Lastly, Elite ensures that service technicians will arrive inside 24 to 48 hours after you name or place a declare on-line.
Firm Popularity: 8.3/10
Elite ranks finest for buyer satisfaction due, partly, to rave on-line evaluations. Prospects love their service, skilled technicians, and the corporate’s protection. Reviewers who discuss destructive experiences with different corporations say that it was significantly better with Elite. A number of prospects who’ve been with the corporate for a number of years report they constantly obtained nice service, together with after they needed to file a declare.
When a misunderstanding in a protection exclusion — usually, house guarantee corporations gained’t pay to revive a wall if the service technician has to chop into it for a restore — upset a buyer, the corporate coated it, anyway.
Elite has a score of 4.7 out of 5 stars on Trustpilot, an A+ Higher Enterprise Bureau score, and 4.8 out of 5 stars on Google.
| Score Website | Score | Variety of Critiques |
| BBB | A+ / 4.97/ 5 stars | 379 |
| Trustpilot | 4.7/5 stars | 72 |
| 4.8/5 stars | 153 | |
| Yelp | 4.8/5 stars | 4 |
Editor’s Be aware: The scores supplied have been correct on the time of writing.
Claims Course of: 6.8/10
Regardless of excessive buyer satisfaction scores, Elite’s scores dip if you get to their claims course of. That’s as a result of their $70 service price jumps to $150 (nearly double) should you want service at night time or on the weekend. You possibly can file claims 24/7/365, both over the telephone or on-line. Nevertheless, should you come house from work to a flooded kitchen as a result of your dishwasher sprung a leak, you’ll be ready for assist till the following day or paying further for service.
After you file a declare, Elite guarantees a response time of 24 to 48 hours throughout enterprise hours, significantly better than Choose Residence Guarantee’s looser promise of assist.
Availability: 10/10
Elite Residence Guarantee is obtainable to file claims 24/7/365, both on-line or by telephone. Elite sells plans in each state besides California, Texas, Wisconsin, and Washington, leaving 46 states and Washington, D.C. coated.
Greatest for Further Advantages
AFC Residence Guarantee
4.3
Our Score
Restricted Time:
$200 off + free roof leak protection
AFC Residence Membership outlines all the things about their 4 plans on the Plans and Pricing web page of their web site. Owners can simply decide what every of AFC’s 4 plans consists of. Once you click on on an merchandise, you’ll get extra particulars about excluded components and elements. For instance, click on on “garments washer” to see that their coverage doesn’t cowl the door or handles.
I admire that AFC makes this data simple to seek out as a result of, typically, you may solely see this data in a contact’s advantageous print. You must learn Elite Residence Guarantee’s settlement to seek out out that it excludes components for sealed elements of fridges. AFC Residence Membership makes the exclusions for components and elements simple to seek out as a substitute of hiding them within the advantageous print.
Probably the greatest extra advantages of AFC Residence Membership is selecting your personal technician. The corporate doesn’t supply after-hours or weekend service. As a substitute, you may go along with a plumber with whom you might need already had a great expertise. If you wish to go along with your personal technician, name AFC’s claims division to confirm that they’re licensed and insured. AFC will both pay the technician immediately, or you may pay the service supplier and request reimbursement from AFC. The selection is as much as the technician.
AFC solely sells 14 add-ons to extend its plan’s protection. Compared, Liberty Residence Guard has 42 choices, and Elite Residence Guarantee has 30 add-ons. In addition they cost extra for added protection choices than opponents. Sump pump protection prices $35 a month, which is sort of 4 occasions the $8.99 a month Liberty Residence Guard prices. Their choices to extend your private home guarantee protection aren’t very budget-friendly.
I additionally don’t just like the variety of buyer complaints that point out poor declare experiences. Prospects typically misunderstand alternative insurance policies and protection limits. AFC has pattern service contracts obtainable on-line, so I recommend studying by means of them earlier than shopping for a coverage.
Backside Line: 8.6/10
Because of buyer complaints, I’d advise householders to learn by means of AFC Residence Membership’s pattern contracts. Whereas their community has no after-hours or weekend service, some householders may want to choose their very own technician for an emergency restore. For a lot of householders, selecting an organization they know and belief is a good profit.
Plans and Protection: 9/10
AFC Residence Membership sells 4 protection plans. Its prime plan has extra protection that’s not supplied by some other firm. With AFC Residence Membership, prospects have the pliability to boost or decrease their month-to-month premiums by choosing the next or decrease service price. For those who want to pay much less month-to-month, choose the $125 service price, which knocks over eight {dollars} off your month-to-month premium. It really works equally to how selecting a excessive deductible with a householders insurance coverage coverage can decrease your premium.
AFC’s Silver Plan covers your oven/vary, fridge, range, cooktop, dishwasher, rubbish disposal, garments washer and dryer, and storage door opener. Protection caps are as much as $3,000 per membership time period per merchandise with all plans.
The Gold Plan provides air-con, heating methods, electrical methods, plumbing, water heater, and ductwork to the Silver Plan. The Platinum Plan additional provides on exhaust, attic, and ceiling followers, taps, plumbing stoppages, an ice maker, and a built-in microwave.
AFC Residence Membership is the one house guarantee firm with a fourth protection tier. The Diamond Plan prices roughly $35 extra a month than the Platinum Plan, however it presents one of the best extra advantages. Few house warranties cowl each electronics and exterior water and sewer strains.
For those who invested in a high-end audiovisual system, the electronics protection may very well be a lifesaver. And should you’ve ever come house from trip to a collapsed exterior sewer line, you realize that repairs can price 1000’s. The extra advantages of the Diamond Plan may turn out to be useful relying on how previous your private home is and the way a lot you spend in your electronics.
Present reductions on-line and over the telephone embody $250 off the entire price and roof leak protection included.
| Plan | Month-to-month Price | Service Price* | Out there Reductions |
| Silver Plan | $51.83 or$43.50 | $75 or $125 | $250 off, roof leak protection included |
| Gold Plan | $69.67 or$61.33 | $75 or 125 | $250 off, roof leak protection included |
| Platinum Plan | $75.67 or$67.33 | $75 or 125 | $250 off, roof leak protection included |
| Diamond Plan | $110.25 or$101.92 | $75 or 125 | $250 off, roof leak protection included |
‘* For those who select the decrease service price of $75, you pay the upper month-to-month premium. For instance, the $65.33 with the Platinum Plan pairs with the $75 service price.
Editor’s Be aware: The fee knowledge talked about on this article was sourced for a single-family, two-bedroom house beneath 5,000 sq. toes in Albany, NY. The fee knowledge introduced was correct on the time of writing.
Out there Add-Ons
The month-to-month charges for some extra protection with AFC Residence Membership could be six to 10 occasions greater than these of corporations similar to American Residence Defend.
- In-ground pool: $100/month
- In-ground pool and spa: $150/month
- Sump pump: $35/month
- Ice maker: $25/month
- Effectively pump: $50/month
- Electronics protection (worth will depend on your particular electronics)
- Double oven: $25/month
- Scorching water dispenser: $25/month
- Constructed-in microwave: $50/month
- Standalone freezer: $25/month
- Central vacuum: $25/month
- Septic system: $50/month
- Roof leak (free, value $25/month)
Exclusions
All of AFC Residence Membership’s plans exclude the next:
- Crane leases wanted to maneuver home equipment or methods
- Geothermal heating methods
- Haul-away companies
- Lighting fixtures
- Code violations
- Home equipment and methods not correctly maintained
Editor’s Be aware: Whereas this text highlights sure exclusions, it’s crucial for readers to evaluation their contracts because the talked about exclusions are usually not exhaustive, and extra exclusions might apply.
The exclusion for code violations is unlikely to be a difficulty should you dwell in a more recent house. However should you dwell in a home in certainly one of Albany’s older neighborhoods, with older electrical or plumbing grandfathered in for house consumers, protection for repairs may not embody the fee to deliver them as much as code.
Additionally, generally, AFC will request that you simply provide them with upkeep information earlier than they approve repairs. For instance, they ask for an annual upkeep file from a licensed technician earlier than approving HVAC repairs. If AFC sends out a technician who recommends a restore, and also you select to not have it achieved, you forfeit any future protection on the merchandise. In case you have no upkeep information, AFC Residence Membership isn’t your best option for a house guarantee supplier.
Affordability: 8.7/10
AFC Residence Membership’s plans fall inside the vary of everybody else on this record. The Diamond Plan is among the costlier, however you’d solely want it when you have luxurious electronics or need safety to your water and sewer strains.
Their greater service price of $125 is greater than all opponents — however you may decrease it by selecting the next month-to-month premium. AFC additionally often presents on particular weekends. They’ve supplied reductions once I referred to as on President’s Day or a vacation weekend.
Buyer Expertise: 8.4/10
AFC’s web site has a transparent structure that makes it simple to buy and discover data. You possibly can examine every plan’s protection and excluded objects by clicking on them, and FAQs reply many frequent questions. After I referred to as for a quote, the customer support consultant chatted politely slightly than pushing to shut the sale.
Firm Popularity: 7.7/10
AFC Residence Membership has variable on-line evaluations relying on the evaluation website. They’ve a decent B score on the Higher Enterprise Bureau, although prospects charge them simply 2.43 out of 5 stars. On Trustpilot, prospects have rated them 3 out of 5 stars, and Google evaluations are 3.7 out of 5 stars. Elite Residence Guarantee and Liberty Residence Guard each charge greater.
Reviewers who’ve had insurance policies with AFC for years are proud of what they name constantly nice service. Some dealt with their declare fully on-line, whereas others appreciated the pleasant service representatives who helped them by means of the claims course of.
Owners who thought the corporate had denied legitimate claims have left indignant evaluations. Others had an unqualified service technician come out for the restore so it required a number of visits for the merchandise to get fastened.
| Score Website | Score | Variety of Critiques |
| BBB | B/2.38 / 5 stars | 155 |
| Trustpilot | 3 / 5 stars | 24 |
| 3.7 / 5 stars | 1,610 | |
| Yelp | 1.9 / 5 stars | 339 |
Editor’s Be aware: The scores supplied have been correct on the time of writing.
Claims Course of: 8.4/10
AFC Residence Membership accepts service requests on-line or by telephone. On-line reviewers had good issues to say in regards to the claims course of. After they filed a declare, AFC Residence Membership recurrently up to date them on technicians’ anticipated arrival occasions. You’re not left shivering within the chilly, questioning when assistance will present up.
Inside 24-48 hours of submitting a declare, a technician will attain out on to you to make an appointment. I like you can discuss to the service technician to make the appointment slightly than undergo the house guarantee firm and be on the mercy of their scheduling.
Availability: 10/10
AFC Residence Membership isn’t bought in each state in America; it solely operates in 48 states. It doesn’t promote insurance policies in California and Hawaii. The corporate is obtainable to reply questions and assist with claims on-line and by telephone.
Calculate the Price of a New York Residence Guarantee
For those who’re interested in what a house guarantee in New York may cost a little you, reply a number of questions in our Residence Guarantee Price Calculator to get an estimate.
| Equipment | Common Restore Price | Common Alternative Price |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Followers | $16–$300 | $250–$950 |
| Electrical Vary | $100–$500 | $230–$3,000 |
| Gasoline Vary | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Fridge | $40–$350 | $200–$5,000 |
New York Residence Guarantee Laws
Residence guarantee corporations function beneath authorities supervision, although they’re much less regulated than householders insurance coverage. They fall beneath “property and casualty” insurance coverage at each the state and federal ranges.
Owners who find yourself having a difficulty with their house guarantee firm can file a shopper grievance with the Division of State or the New York State Lawyer Basic.
In-depth analysis will aid you discover one of the best choose if you’re purchasing for a supplier in New York. Take the time to comb by means of real buyer evaluations on-line, make a execs and cons record that features your priorities for protection, or ask mates for his or her experiences. Keep away from corporations who lack a longtime observe file in your space — if it appears too good to be true, it may be. You’ll have larger confidence in selecting a house guarantee should you’ve evaluated your choices.
Editor’s Be aware: Whereas this text highlights sure rules, it’s vital for readers to do their very own analysis, because the talked about rules are usually not exhaustive.
New York Residence Guarantee Information
Completely examine any house guarantee firm with whom you resolve to do enterprise. A person in Buffalo purchased a coverage from First Premier Residence Guarantee however had many difficulties getting protection for a damaged furnace. When a neighborhood information station investigated, they discovered that the quantity and tackle for the corporate went to a storefront in New York Metropolis, not in upstate New York as the corporate’s consultant claimed.
Do your analysis, have a look at on-line evaluations, and confirm that any firm you’re working with is authentic.
Often Requested Questions
Do You Want a Residence Guarantee in New York?
A house guarantee plan can forestall unwelcome surprises within the type of excessive restore prices to your house methods and home equipment. As a substitute of racking up a bank card invoice for a furnace restore, you pay an reasonably priced month-to-month premium you can put in your price range whereas setting apart some cash month-to-month for service charges.
How A lot Does a Residence Guarantee Price in New York?
The common price of a complete house guarantee plan in New York is $69.01 a month. Your whole price for a house guarantee varies relying on the extra protection you add to your core plan and, with some suppliers, the service price you choose.
How To Save Cash When Looking for Residence Warranties In New York?
For those who’re attempting to lower your expenses on your private home guarantee, rigorously choose the add-ons you really want. Further protection provides up quick, and a premium that begins at $50 a month can shortly get to over $100 a month. Additionally, ask your self how a lot protection you actually need; possibly a less expensive methods plan could be sufficient protection.
Is a Residence Guarantee Value It for New York Owners?
A house guarantee is value it for New York householders if you want peace of thoughts throughout a winter snowstorm or when you have aged dad and mom at house and also you’re frightened about their well being throughout a warmth wave. In case your furnace or air-con goes out, you don’t must comparability store and attempt to discover a supplier; you name your private home guarantee firm.