Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Get the most out of your home warranty with these top home warranty companies in Albany. Homeownership in Albany has quite a few perks, but it also comes with its challenges. Your home's appliances and systems will eventually need repair, and this could mean a huge expense hitting your bank account suddenly.
A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind. Finding the best home warranty on the market can be quite time-consuming because there are lots of companies to choose from. That's why our team at Today's Homeowner did the research and compiled a list of the top home warranty companies in Albany 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
Choice Home Warranty offers the best overall home warranty in Albany. Choice has over 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 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 an affordable $85.
For a more detailed breakdown, read 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 offers the most cost-effective home warranty in Albany. Select is a home warranty provider with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. Select offers 3 plans for homeowners to decide between. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select's service fees are a reasonable $60, and the coverage caps come out to about $2,000 for each covered appliance or system.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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 Albany. AHS has around 26 years of experience in the industry and in that time has built a an network of service professionals in the country. 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 options for appliance and system coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered appliance or system.
To read more, visit our comprehensive review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 offers the best home warranty with the quickest service in Albany. The 2 plans from HSC are easy to comprehend and offer both system and appliance 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 Home Service Club has 2 plans that offer a mix of appliance and system coverage. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Albany area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our The Home Service Club 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 Albany. Liberty has over 6 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Liberty has 3 plans for you to choose from. When you purchase a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000.
Read our Liberty Home Guard Review to learn more. To get 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
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 Albany, Cinch Home Services offers the home warranty with the best workmanship guarantee. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable.
Cinch Home Services offers 3 plans for Albany homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. 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.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our full review of Cinch Home Services.
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 | $6,138 |
| Heating | $4,092 |
| Electrical | $614 |
| Toilets | $512 |
| Washer/Dryer | $818 |
| Plumbing | $614 |
| Oven | $1,637 |
| Fridge | $614 |
A home warranty is a protection plan for home systems and appliances. When your washer or dryer breaks down, and the repair is several hundred dollars, a home warranty will make sure that you only have to pay a predetermined service fee. Home warranty companies often don't require an inspection, and you can generally start using it about 30 days after purchasing the policy.
For Albany homeowners, it is very easy to file a claim when a problem comes up with a covered appliance or system. Most home warranty companies have an online portal where you can file a claim.
After that, you will pay your service fee. Service fees for home warranties range from $60 to $150. Most home warranties also have a coverage cap, which is the maximum amount per year that the home warranty plan will cover for repairs and replacements.
A home warranty will cover systems and appliances that have stopped working from normal wear and tear. For example, if your refrigerator suddenly stops working under normal use conditions, your home warranty company can help. The appliances typically covered under a home warranty plan are the dishwasher, washing machine, microwave, oven, dryer, refrigerator, and more. System coverage typically includes heating, electrical systems, plumbing, air conditioning, and more.
Many plans also provide add-on coverage options for central vacuums, locksmiths, roof leaks, and even septic systems.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, your home warranty will not cover it. Also, a home warranty does not cover cosmetic damages, pre-existing conditions, misuse, and lack of maintenance.
Since temperatures in Albany can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances stops working suddenly.
Another added benefit of having a home warranty plan is that it can increase 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 company you purchased your home warranty through.
As for the drawbacks of home warranties, home system and appliance coverage varies by provider, so it's important to read what each plan covers and excludes in the contract.
Plus, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements 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 items in your home you want coverage for and compare the policies. Below is a list of some factors to consider when buying a home warranty in Albany:
Our pick for the best overall home warranty in Albany is Choice Home Warranty, but the best company for you will depend on factors like what appliances and systems you need to have covered.
Home warranty plans cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different kind of plan that protects the entire home from natural disasters, which can sometimes be a concern in Albany. It doesn't cover a normal appliance or system repairs.
The most common kinds of home warranties in Albany are plans with coverage for either appliances or systems and a combination plan. A combination plan covers almost all your home systems and appliances, such as your dishwasher, washing machine, and HVAC. A plan that only covers appliances or systems will cover the specific systems or appliances listed in the contract.
A home warranty policy can protect you from expensive repair bills, but only if you choose a good quality plan from a trustworthy company. When picking a home warranty company to purchase a plan from, you should look for things like its customer service and availability in your area. In addition, you should take into account the type of coverage the company offers and what kinds of appliances and systems are protected. Homes that have appliances and systems on the older end may need a policy with more coverage.
Most home warranty plans are going to cover replacement costs as well as repair costs. The coverage cap varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
The service fee is the price the homeowner pay every time there's a problem with a home system or appliance and you file a claim with your home warranty. Service fees are typically priced between $60 and $150.
The systems and appliances in a home are covered under a home warranty in Albany. Everything from a stove to a pool can be covered under a home warranty depending on the plan.
