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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Homeowners in New York know the challenges that come with all four seasons. According to the 2021 American Housing Survey, nearly 4 million homes have primary air conditioning and heating in the state. Snowstorms and hot, humid days make it important to stay up to date with home system maintenance.

For many Empire State homeowners, a home warranty plan can reduce the cost of repairs and replacements for appliances and systems such as heating, air conditioning, refrigerators, and washing machines. That's why we've compiled a guide to the top home warranty companies in Palm Tree, New York.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

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
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

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
Best Value
Select Home Warranty logo
4.3/5

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 Palm Tree

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.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

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

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

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+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

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-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

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

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

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

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

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 Palm Tree

  • Average Max Temperature:
    57°F
  • Average Min Temperature:
    42°F
  • Average Annual Snowfall:
    44.3”
  • Homeownership Rate:
    67%
  • Median Home Size:
    1,991 sqft
  • Median Home Price:
    $618,613

Are Home Warranties Worth It for Palm Tree Residents?

Yes, home warranties are beneficial for Palm Tree residents. Summers in Palm Tree can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction due to breakdowns from regular wear and tear.

Palm Tree also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.

Palm Tree's heavy rain can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair.

Lastly, a home warranty connects you with service providers you can trust. Investing in a reputable home warranty company is worth it because companies vet their technicians. If you don't have time to do the research yourself, your home warranty company can give you peace of mind that someone reliable will handle your problem.

What To Consider Before Choosing a Home Warranty Company

Think about these important factors when choosing the best home warranty plan for you.

Cost

We received 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know what you need before purchasing a plan.

Coverage

Determine which appliances and systems you use the most. Most home warranty plans offer customizable coverage tailored to your needs. If you only want coverage for select systems, like your heating, most companies offer systems-only plans. The same is true if you only want coverage for certain appliances. The following is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Providers' coverage limits are also important. Our research indicates that companies with higher coverage limits typically charge higher premiums. These providers may still be the right choice for homes with older systems or appliances.

Exclusions

Home warranties usually only cover damage from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies will also not cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Your provider will outline its exclusions and limitations in its service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.

Provider Reputation

Also, consider provider reputation when making a decision. You can find customer reviews on sites like Best Company, Trustpilot, and Google Reviews or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to see how providers handle claims and customer service. Check with the New York Division of Consumer Protection to verify that a provider holds a license with the state.

Contractor Network

Consider a home warranty company's network of service providers. Make sure you ask your company how and where it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions service contractors you're familiar with. Rural homeowners might prefer a home warranty that lets them choose their technician. You'll want to be able to source your own provider if no in-network ones are available in your area.

Frequently Asked Questions about Home Warranty in Palm Tree

More Home Warranty Resources

Sources

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

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