Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Considering purchasing a home warranty? One of our top home warranty providers can help. Rochester is a city that has so much delicious food, things to do, and some great homes. Homeownership in Rochester has many good things associated with it, but some downsides come hand in hand with it too. For one, ensuring that your home's systems and appliances stay up to date can make Rochester homeownership quite difficult.
A home warranty policy can help protect you by covering major repairs and replacements on your home's appliances and systems. Finding the best home warranty on the market can be quite challenging as there are dozens of companies to decide between. That's why the Today's Homeowner team did the research and made a list of the best home warranty companies in Rochester for you.
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 Rochester, Choice Home Warranty offers the best overall home warranty. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
Choice Home Warranty offers 2 plans for Rochester homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are an affordable $85.
Read more by visiting our Choice Home Warranty full review. To get 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
Select Home Warranty is the most cost-effective home warranty in Rochester. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage. 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.
Select Home Warranty offers 3 plans for Rochester homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select's service fees are a reasonable $60, and the coverage caps come out to around $2,000 for each covered appliance or system.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For a more detailed breakdown, read our Select Home Warranty Review.
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
American Home Shield offers the most customizable home warranty in Rochester. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Rochester area.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our full review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
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 is the best home warranty with the quickest service in Rochester. HSC has about 15 years of industry experience and in that time has built a an expansive network of service professionals in the country. The 2 plans that HSC offers include options for appliance and system coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our The Home Service Club full review.
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 offers the most trustworthy home warranty in Rochester. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it 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 about $3,000 per covered appliance or system.
To get 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 full review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage in Rochester. First American has around 39 years of experience in the home warranty industry and in that time has built a an network of service professionals in the country. The 2 policies that First American offers include options for appliance and system coverage. If you're looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American's plans are close to the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
For more information, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Rochester. Cinch has been operating for about 44 years, making it a respected company in the industry. Cinch has 3 simple plans, making the selection process quick and easy. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. 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 get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read our Cinch Home Services full review.
Appliances Plan
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 |
|---|---|
| Air Conditioner | $6,408 |
| Heating | $4,272 |
| Electrical | $641 |
| Toilets | $534 |
| Washer/Dryer | $854 |
| Plumbing | $641 |
| Oven | $1,709 |
| Fridge | $641 |
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they have issues over time due to normal wear and tear. Having one in place can give you some peace of mind and prevent you from paying exorbitant out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty plan.
When you have an issue with one of your appliances or systems, you can submit a claim with your home warranty provider. Then, a customer service representative will contact you about a contractor coming over to look at the problem.
At this point, you'll pay your service fee, which is generally between $60 and $150, depending on what plan you choose. Once the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. As long as the repair is covered by the warranty and the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs apart from the service fee.
A home warranty in Rochester covers the main systems and appliances in a house. Appliances covered under a home warranty plan are the microwave, refrigerator, dishwasher, garbage disposal, dryer, and more. Systems that are covered include electrical systems, plumbing, heating, and air conditioning.
The add-on coverage options can include pool, septic system, roof leak, spa, and sometimes even things like locksmith or pest control.
An important thing to consider is that home warranties only cover normal wear and tear on your home systems and appliances. Things like misuse, lack of maintenance, cosmetic damages, and pre-existing conditions are excluded from the home warranty policy.
Rochester's cold winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty is designed to cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the repairs, preventing you from spending unexpected money out of pocket.
Not only can a Rochester home warranty save you money on repairs and replacements, it saves you time too. Instead of needing to vet technicians yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them.
One downside of signing up for a home warranty is that there are usually exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it's important to read over the contracts you're considering carefully to understand what is included and what isn't.
Another potential 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 rejected, 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 home with a home warranty is determining which company's plan fits your needs. Think about the items in your home you need coverage for and compare the policies. Below are some tips on purchasing a home warranty in Rochester:
The best home warranty provider in Rochester is Choice Home Warranty. Choice Home Warranty has an expansive network of professional contractors and a respected reputation in the Rochester area.
A home warranty is a kind of contract that covers the repairs and replacements of your major home systems and appliances.
The type of home warranty you need depends on what your priorities are. A cheaper plan may have higher deductibles and lower coverage caps, while a higher-priced plan may provide more coverage and have lower service fees. If you have a home that has new appliances or systems, you may be able to get a cheaper plan. The company's reputation and available plans are the main things to research when choosing a home warranty company.
Generally a home warranty lasts for a year and you can renew it every year. In Rochester where many rely on heating and A.C., renewing your policy could help prevent large expenses if your HVAC system needs repairs.
Most home warranty plans cover replacement costs as well as repair costs. The coverage cap varies from one plan to the next. Your home warranty will give you some money towards a replacement but the entire replacement may not be paid for.
A service fee is a cost that a homeowner must pay before a service technician or contractor comes to your home to fix your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners have with a home warranty in place apart from the monthly premium/annual cost unless the cost of the repair is greater than the coverage cap.
Home warranties typically will not cover issues that occur because of natural disasters, intentional breaking of an appliance, lack of proper maintenance, or pre-existing conditions. They only cover damage from normal wear and tear. Even though it doesn't cover everything, a home warranty can still be beneficial for helping you save some money in a town like Rochester.
