Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a house can have a lot of perks, but it can also come with some negatives like maintenance. The older your house’s systems and appliances are, the more likely it is that you'll benefit from a home warranty. A home warranty is a way to protect your budget from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Choosing the best home warranty on the market can be difficult because of the many options available. If you're overwhelmed by trying to compare them all, keep reading for our guide on the top home warranty providers in Troy.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
In Troy, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in the home warranty industry for about 6 years. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 per covered appliance or system.
To read more, visit our detailed review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
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
In Troy, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty industry for about 15 years. 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 are comprehensive and offer both system and appliance coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered appliance or system.
To read more, visit our detailed review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Troy, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty industry for about 11 years. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are comprehensive and offer both system and appliance coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered appliance or system.
To read more, visit our detailed review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
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
In Troy, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for about 26 years. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and offer both system and appliance coverage.
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 limits come out to around $2,500 per covered appliance or system.
To read more, visit our detailed review of American Home Shield. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Troy, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for about 44 years. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 per covered appliance or system.
To read more, visit our detailed review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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
In Troy, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty industry for about 15 years. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are comprehensive and offer both system and appliance coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered appliance or system.
To read more, visit our detailed review of The Home Service Club. To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,478 |
| Heating | $4,319 |
| Electrical | $648 |
| Toilets | $540 |
| Washer/Dryer | $864 |
| Plumbing | $648 |
| Oven | $1,727 |
| Fridge | $648 |
A home warranty is a protection policy that helps cut costs for Troy homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty policy gives homeowners peace of mind since it can help avoid costly emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are garbage disposals, washers, dryers, dishwashers, refrigerators, microwaves, and more. Covered systems are normally air conditioning, heating, electrical, and plumbing. Many home warranty companies offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Troy homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are multiple home warranty terms to understand before signing an agreement, including:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans include protection for electrical, AC, heating, plumbing, and appliances. More robust coverage options also cover other items such as pools, roof leaks, spas, and well pumps. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for providers advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty company's track record gives you insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Positive ratings and reviews indicate a provider known for stellar service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Contact potential businesses to ask how many repair technicians they have in Troy and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks increase the probability of getting qualified contractors to swiftly service your home.
Home warranty companies sometimes include perks such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These can add value beyond just repair coverage. Additional perks maximize the usefulness of your home warranty.
Home warranties are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Troy reaching an average high of 58℃F, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can remarkably lower out-of-pocket costs should your HVAC system break down.
A home warranty also saves you time and energy. Instead of spending hours finding and choosing a contractor to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Another added benefit of having a home warranty policy is that it can raise your home’s real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you have your home warranty with.
One major drawback of a home warranty is not everything you care about may be covered. It’s important to research the different plans and choose one that covers all the appliances, systems, and add-ons you need.
Plus, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Troy can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have higher coverage limits, broader coverage, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also decrease your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects the entire home from natural disasters, which can sometimes be a concern in Troy. It doesn't cover a typical appliance or system damage.
Homebuyers, home sellers, real estate agents, landlords, and homeowners can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different home warranties in Troy include plans that cover either appliances or systems as well as combination plans. A combination plan covers your systems and appliances, including your washing machine, drier, and HVAC. An appliance or system plan will cover only the specific items mentioned in the contract.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
In general, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Troy, where the median home value is $285,185, having the seller pay for the home warranty can be a good asset for your new home.
