Written By David Cusick
Last Updated February 2024
Cohoes offers homeowners some great living options. However, unexpected repair and replacement costs on your home’s systems and appliances can get quite costly. A home warranty is a way to protect your savings 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 numerous options available. If you're overwhelmed by trying to compare them all, keep reading for our guide on the top home warranty providers in Cohoes.
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
Liberty Home Guard is the most trustworthy home warranty in Cohoes. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty offers 3 plans for you to decide between.
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 typically around $3,000 at the maximum.
Read our review of Liberty Home Guard to learn more. 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
Choice Home Warranty is the best overall home warranty in Cohoes. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice offers 2 plans for you to decide between.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000 at the maximum.
Read our review of Choice Home Warranty to learn more. 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
Select Home Warranty is the most cost-effective home warranty in Cohoes. 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. Select offers 3 plans for you to decide between.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000 at the maximum.
Read our review of Select Home Warranty to learn more. 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
American Home Shield is the most customizable home warranty in Cohoes. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS offers 3 plans for you to decide between.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500 at the maximum.
Read our review of American Home Shield to learn more. 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Cohoes. 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 offers 3 plans for you to decide between.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000 at the maximum.
Read our review of Cinch Home Services to learn more. 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
The Home Service Club is the best home warranty with the quickest service in Cohoes. 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. HSC offers 2 plans for you to decide between.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000 at the maximum.
Read our review of The Home Service Club to learn more. 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 | $6,064 |
Heating | $4,042 |
Electrical | $606 |
Toilets | $505 |
Washer/Dryer | $808 |
Plumbing | $606 |
Oven | $1,617 |
Fridge | $606 |
A home warranty is a protection policy that assists Cohoes homeowners in reducing the expenses of appliance and system repairs. The plans provide coverage to replace or fix appliances and systems that malfunction due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is especially helpful for those living in older houses or houses with systems near the end of their life span. However, homeowners with newer homes and functioning appliances might not need a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as dryers, refrigerators, microwaves, dishwashers, garbage disposals, washers, and more. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranty providers also offer add-on coverage for locksmiths, central vacuums, septic systems, and roof leaks. Cohoes should understand that most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Here are some essential home warranty terms to learn before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies widely in the items that are included. Most plans include protection for electrical, heating, AC, plumbing, and appliances. More inclusive options also include protection for other items such as roof leaks, spas, pools, and well pumps. Focus on companies with broad coverage options including upgraded plans. This flexibility enables you to customize protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a company with lower service fees to maximize savings on every claim. Some providers also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Contact potential companies to ask how many repair specialists they have in Cohoes and get an idea of how fast your repairs could be handled in an emergency. Wider networks raise the likelihood of getting qualified contractors to quickly service your home.
Some home warranty companies provide extras such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These add value beyond repair coverage. Added bonuses can maximize the usefulness of the home warranty.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Cohoes hitting an average high of 54℃F, you may find that certain appliances, such as your air conditioning system, get a lot of use. A home warranty can considerably lower out-of-pocket expenses should your HVAC system stop working.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of having to vet technicians on your own, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Plus, having a home warranty can make your house more attractive to potential homebuyers should you ever decide to sell in the future. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been receiving.
There are also some negatives to buying a home warranty plan, 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 thing to keep in mind is that some providers don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty company for clarification about it if you aren’t sure or if this is a problem for you.
A home warranty costs, on average, around $300 to $600 a year in Cohoes. Our top-rated home warranty providers' 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. In addition, it's typically cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your entire home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Cohoes.
A home warranty can help real estate agents, home sellers, homebuyers, investors, and homeowners. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty policy can cover your home’s systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans usually offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, 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 given to the new homeowner, who will pay the service fees when using the policy. In Cohoes, where the median home value is $287,628, having the seller pay for the home warranty can save you some money on your new home.