Written By Todays Homeowner Local Pros
Last Updated June 2023
Considering buying a home warranty? One of our top home warranty providers can help. As much as you may love homeownership in Troy, there is always that concern about whether your systems and appliances are going to hold up during the next few years.
A home warranty in Troy can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear. Finding the best home warranties on the market can be quite a challenge because of the many options out there. If you are tired of trying to compare the different options, keep reading for our guide to the best home warranty providers in Troy.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty for Troy residents. Choice has been in the home warranty industry for over 15 years. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage caps associated with Choice's plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our review of Choice Home Warranty.
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
Select Home Warranty is the most cost-effective home warranty for Troy residents. Select has over 11 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process and policy coverage easily understandable.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $60.
To read more, visit our Select Home Warranty full review. To get 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 over 26 years. When you purchase a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for you to choose from.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.
To read more, visit our full 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.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service for Troy residents. HSC has around 15 years of industry experience and in that time has built a a skilled network of service professionals nationwide. The 2 plans from HSC are easy to comprehend and offer both system and appliance coverage. 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 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 caps come out to about $2,000 per covered appliance or system.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our thorough review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Troy residents. 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 that Liberty offers include options for appliance and system coverage.
Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. Liberty's service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered system or appliance.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our comprehensive review of Liberty Home Guard.
Total Home Guard
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 is the home warranty with the best workmanship guarantee. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
Cinch Home Services has 3 plans that provide a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000.
Read our Cinch Home Services Review to learn more. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Built-in Systems Plan
Complete Home 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|
A home warranty is a protection plan for home systems and appliances. When your washer or dryer stops working, and the repair costs several hundred dollars, a home warranty will ensure that you're only responsible for a predetermined service fee. Home warranty companies typically don't require an inspection, and coverage generally goes into place about 30 days after purchasing the policy.
Filing a claim with your home warranty company is quite simple. There will be an online portal system or a direct phone number to request service for a repair or replacement.
At this point, you'll also have to pay your service fee. Once the repair technician looks at the problem, they will handle it at no cost to you. The only time a homeowner may have to pay out-of-pocket costs is if the repair or replacement is more than the item's coverage cap.
A home warranty will cover systems and appliances that have broken down from normal wear and tear. For example, if your washing machine suddenly needs repairs under normal use conditions, you can call your home warranty provider. Appliances covered under a home warranty plan are the garbage disposal, dishwasher, dryer, microwave, refrigerator, and more. Systems that are covered include heating, electrical systems, plumbing, and air conditioning.
Add-on coverage options can vary from one plan to another but typically include things like a sprinkler system, plumbing stoppages, central vacuum, second refrigerator, and septic system.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, the home warranty will not cover it. Also, a home warranty does not cover pre-existing conditions, misuse, lack of maintenance, and cosmetic damages.
Home warranties are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Troy hitting an average high of 58℃F, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can significantly bring down out-of-pocket costs should your HVAC system break down.
Additionally, having a Troy home warranty can help make your house more attractive to potential homebuyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you've been getting.
There are also some downsides to buying a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty.
Another possible pain point of home warranties is that they don't cover systems or appliances that haven't been properly maintained. This can lead to your claims being denied, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.
The first step in protecting your real estate investment with a home warranty is determining which company's plan fits your needs. Consider the appliances and systems in your home you want coverage for and compare the plans. Below are some factors to consider when buying a home warranty in Troy:
The top home warranty provider in Troy is Choice Home Warranty. Choice Home Warranty has a large network of experienced contractors and a great reputation in the Troy area.
A home warranty plan will cover either your home appliances and systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a systems or appliance only plan can be useful too if you're concerned about one more than the other.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, which can be good in Troy for more protection against something like your heater or A.C. needing repairs when you require it the most.
Most home warranties cover replacement costs in addition to repair costs. How much the coverage cap is varies from one plan to the next. Your home warranty will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A home warranty policy can cost on average anywhere from about $300 to $800 a year in Troy. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best price is.
Typically, coverage for a home warranty policy begins 30 days after the payment receipt. However, a few companies may let you file a claim before this, so verify with customer service to find the exact waiting period for your situation.