Written By Todays Homeowner Local Pros
Last Updated June 2023
Find the best home warranty for your home. Buying a home is a big step for many, but maintaining it can get expensive over time as your Colonie home ages.
When one of your systems or appliances malfunctions, a home warranty will help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less overwhelmed by homeownership. Even though a home warranty can help with your homeowner expenses, one pain point is narrowing down the right choice for your Colonie home. That's why we've done the research and have put together a list of the best home warranty plans in Colonie.
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 Colonie, Choice Home Warranty offers the best overall home warranty. When you buy a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easy to understand and have a mix of both system and appliance coverage.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. Choice's service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered appliance or system.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For a more detailed breakdown, read our full 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
In Colonie, Select Home Warranty offers the most cost-effective home warranty. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. 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. The coverage caps associated with Select's plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
For a more detailed breakdown, read our full review of Select Home Warranty. To receive a free quote from Select Home Warranty, 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 Colonie, American Home Shield is the most customizable home warranty. When you purchase a plan 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. The 3 policies that AHS offers include options for appliance and system coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
Read our comprehensive review of American Home Shield to learn more. To get 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 is the best home warranty with the quickest service for Colonie residents. HSC has more than 15 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 HSC, you can benefit from 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 2 plans from HSC are easily comprehensible and offer a mix of both system and appliance coverage.
The Home Service Club offers 2 plans for Colonie homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC 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 company. Service fees are customizable and range from $65 to $90.
For a more detailed breakdown, read our The Home Service Club Review. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 Colonie. The 3 plans from Liberty are easy to comprehend and have a mix of both system and appliance coverage. 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.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Colonie area.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For more information, read our thorough 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 Colonie, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has more than 44 years of industry experience and in that time has built a an expansive network of service professionals nationwide. With a home warranty from Cinch, you can enjoy 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 3 home warranty plans that Cinch offers include options for appliance and system coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Colonie area.
Read more by visiting our review of Cinch Home Services. To get 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 plan that can decrease the cost of on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Colonie home comfortable and convenient. When they need updating, it can be expensive and a nuisance. Fortunately, with a home warranty plan, an affordable repair is just a phone call away.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty service provider. Most companies have an online portal to help you do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
At this point, you'll pay the service fee, which is generally between $60 and $150, depending on what plan you opt for. 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 under the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs .
A home warranty plan offers coverage on your home's major appliances and systems and it can help bring down your home maintenance expenses. The appliances commonly covered under a home warranty plan are the microwave, refrigerator, washing machine, dishwasher, oven, dryer, and more. System coverage typically includes air conditioning, electrical systems, plumbing, heating, and more.
Add-on options can vary from one plan to another but often include things such as a septic system, plumbing stoppages, second refrigerator, sprinkler system, and central vacuum.
An important thing to consider is that home warranties only protect against normal wear and tear on your home systems and appliances. Things like misuse, lack of maintenance, pre-existing conditions, and cosmetic damages are not included in the home warranty policy.
Home warranty policies are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Colonie hitting an average high of 54℃F, you may find that certain appliances, such as your air conditioning unit, get a lot of use. A home warranty can significantly decrease out-of-pocket expenses should your HVAC system stop working.
Another added benefit of having home warranty coverage is that it can raise your home's real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you have your home warranty with.
As for the disadvantages of home warranties, coverage varies by provider, so it's important to read what each plan covers and excludes in the contract.
Another stipulation is that home warranties usually only cover damage from normal wear and tear. They often won't cover home systems or appliances that need repairs or replacements due to animal infestations, improper maintenance, natural disasters, etc.
When you're ready to sign up for a home warranty plan, the first step is considering what appliances and systems you need coverage for. From there, you can compare your options and contact different home warranty companies to get a free quote. When deciding which home warranty provider is the right one for you, here are some important factors to keep in mind:
The top home warranty provider in Colonie is Choice Home Warranty. Choice Home Warranty has an expansive network of professional service technicians and a great reputation in the Colonie area.
A home warranty plan covers the normal wear of systems and appliances in a home. Homeowners insurance protects your home in a situation such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new washing machine or oven, unless the damage is due to a natural disaster, which are somewhat common in Colonie.
Homebuyers, homeowners, real estate agents, landlords, and home sellers can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
Home warranty plans usually last a year. Many companies let you renew your plan yearly, which can be useful in Colonie for added protection against something like your heater needing repairs when you require it the most.
Generally, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Colonie, where the median value of a home is $204,869, having the seller pay for the home warranty can be a good asset for your new home.
The service fee is the price the homeowner pay every time there is 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.
When living in a city like Colonie, you may be wondering if events like natural disasters will be covered under a home warranty policy. Home warranties generally don't cover damage from intentional breakage, natural disasters, or lack of proper maintenance.