Written By Todays Homeowner Local Pros
Last Updated May 2023
If you're thinking about purchasing a home warranty, our list of the best providers in Troy can help. With white winters and beautiful summers, Troy is a great place to own a home. However, homeownership doesn't always come easy, like repairing your home's systems and appliances.
When one of your systems or appliances malfunctions, a home warranty will step in to help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less stressed by homeownership. Although a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the perfect choice for your Troy home. That's why we've done the research and have made a list of the best home warranty plans 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
In Troy, Choice Home Warranty is the best overall home warranty. Choice has been in the home warranty business for over 15 years. The 2 policies that Choice offers include options for appliance and system coverage. 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.
Choice Home Warranty offers 2 plans for Troy homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Troy area.
To read more, visit our full review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 Troy. Select offers 3 plans for you to choose from. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. 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 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 with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are a reasonable $60.
For more information on this provider, read our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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
American Home Shield is the most customizable home warranty in Troy. AHS has 3 simple plans, making the selection process quick and easy. 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 American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are around the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
To get 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.
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 is the best home warranty with the quickest service. HSC has over 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Troy homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with HSC's plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our 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 in Troy. Liberty is a home warranty company with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. With a home warranty from Liberty, you can benefit from 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. Liberty has 3 simple plans, making the selection process quick and easy.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
Read more by visiting our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
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 for Troy residents. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage limits come out to about $1,500 for each covered appliance or system.
Read more by visiting our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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 Troy. 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. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage.
The plans that Cinch offers to homeowners 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 about $1,000-$2,000 for each covered system or appliance.
For more information on this provider, read our Cinch Home Services full review. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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 plan that can bring down the cost of on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Troy home comfortable and convenient. When they need repairs, it can be costly and a pain. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
When one of your systems or appliances has a problem, you file a claim with your home warranty provider. You can do so in an online portal or by telephone, and then a contractor will come and fix the problem.
Once you submit the claim, it will be assigned to a local repair technician that will come to your home and repair the issue. At this point, you pay your service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket fee you will have to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty plan will cover systems and appliances that have broken down from normal wear and tear. For example, if your A.C. suddenly needs repairs under normal use conditions, your home warranty company can help. The appliances usually covered under a home warranty include a dishwasher, microwave, garbage disposal, clothes dryer, refrigerator, clothes washer, and more. The systems included are air conditioning, plumbing, electrical systems, and ductwork.
Add-on options can vary by company but often include things such as a second refrigerator, central vacuum, plumbing stoppages, sprinkler system, and septic system.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things such as misuse, pre-existing conditions, cosmetic damages, and lack of maintenance are excluded from the home warranty policy.
Temperatures in Troy can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Troy, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
A home warranty also can also save you time and energy. Instead of spending hours researching and selecting a contractor to fix your appliance or system, home warranty providers do the hard work for you and just send a trusted professional to your door whenever you need them.
There are also some drawbacks to getting a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Additionally, 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 besides normal wear and tear — the home warranty may not cover it.
The first step in protecting your home with a home warranty is determining which provider's plan is the best for you. Figure out which appliances and systems in your home you need coverage for and compare the plans. When trying to figure out which home warranty company is the best fit for you, here are some important factors to bear in mind:
The best overall home warranty company in Troy is Choice Home Warranty, but the best company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a service contract designed to give homeowners extra coverage for their household systems and appliances. These include dishwashers, washing machines, garbage disposals, refrigerators, dryers, plumbing, sump pumps, water heaters, heating and cooling systems, and electrical systems, among others. Some policies also offer coverage for roofs, pools, ceiling fans, and garage door openers. A home warranty can help you save money if these appliances and systems break down unexpectedly.
The most common types of home warranties in Troy are plans with coverage for either appliances or systems and a comprehensive plan. A comprehensive plan will cover your home systems and appliances, like your refrigerator, washing machine, and HVAC. An appliance or systems only plan will cover the appliances or systems mentioned in the contract.
Home warranties cover the cost of repairs and replacements as long as it is within the coverage limits of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay the rest out of pocket.
A Troy home warranty can cost between $40 and $80 a month. Higher-priced plans usually have higher coverage limits, a lower service fee, and more coverage.
The systems and appliances in a home are covered under a home warranty plan in Troy. Everything from a microwave to a garage door can be covered under a home warranty depending on the plan.