Written By David Cusick
Last Updated May 2024
The cost of maintaining a home in Potsdam can be costly, particularly as your home ages and your appliances and systems have to be updated. A home warranty can give you the peace of mind you need and protect your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be time-consuming, as there are lots of companies to decide between. That’s why our team at Today's Homeowner did the research and put together a list of the top home warranty companies in Potsdam for you.
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
In Potsdam, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been operating for about 6 years, making it a highly regarded company in the industry. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. 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.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our review of Liberty Home Guard to learn more.
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
In Potsdam, Choice Home Warranty offers the best overall home warranty. Choice has been operating for about 15 years, making it a highly regarded company in the industry. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our review of Choice Home Warranty to learn more.
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
In Potsdam, Select Home Warranty offers the most cost-effective home warranty. Select has been operating for about 11 years, making it a highly regarded company in the industry. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. 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. The coverage caps associated with Select’s plans are around the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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
In Potsdam, American Home Shield offers the most customizable home warranty. AHS has been operating for about 26 years, making it a highly regarded company in the industry. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. 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 plans that AHS offers to homeowners 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 give them a call at 888-365-2839. Read our review of American Home Shield to learn more.
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
In Potsdam, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been operating for about 44 years, making it a highly regarded company in the industry. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. With a home warranty from Cinch, you can benefit from 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our review of Cinch Home Services to learn more.
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
In Potsdam, The Home Service Club offers the best home warranty with the quickest service. HSC has been operating for about 15 years, making it a highly regarded company in the industry. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for many 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. Read our review of The Home Service Club to learn more.
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 | $5,876 |
Heating | $3,917 |
Electrical | $588 |
Toilets | $490 |
Washer/Dryer | $783 |
Plumbing | $588 |
Oven | $1,567 |
Fridge | $588 |
A home warranty is a protection plan that helps Potsdam homeowners cut the high costs of household repairs. These plans offer financial protection to repair or swap out appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty plan gives homeowners peace of mind because it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties safeguard both your home systems and appliances. Common appliances covered under a home warranty include dishwashers, washers, microwaves, refrigerators, garbage disposals, dryers, and more. Covered systems include plumbing, air conditioning, electrical, and heating. Many home warranties also offer add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks. Most home warranty plans require Potsdam homeowners to wait 30 days before they can use the policy to pay for repairs. Moreover, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
There are several home warranty terms to learn before signing an agreement, including:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranties have significant variation in what they include. Basic policies typically cover plumbing, heating, AC, electrical, and appliances, while more comprehensive options may also cover roof leaks, spas, pools, and well pumps. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your home's needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per claim you submit. These per-claim charges can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's reputation provides insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Use review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Reach out to potential providers to ask how many repair specialists they have in Potsdam and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks raise the probability of getting qualified contractors to promptly service your home.
Home warranty providers might include extras such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These extras can add value beyond basic repair coverage. Additional perks can maximize the usefulness of your home warranty.
Since temperatures in Potsdam can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Having a home warranty policy can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
Not only can a home warranty provide some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most. Another added benefit of having home warranty coverage 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 provider you have your home warranty with.
As for the disadvantages of home warranties, home system and appliance coverage varies by company, so it’s important to review what each policy covers and excludes in the contract.
Another downside is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty costs, on average, about $300 to $600 a year in Potsdam. Our high-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 usually cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan helps protect against normal wear and tear to home systems and appliances. A homeowners insurance plan protects your entire home in a situation such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim should you need a new dryer or stove, unless the damage is due to a natural disaster, which is somewhat common in Potsdam.
Homebuyers, real estate agents, homeowners, landlords, and home sellers are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The different home warranties in Potsdam include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the contract.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Typically, the homeowner is the one who pays 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. In Potsdam, where the median home value is $167,890, having the seller pay for the home warranty can save you some money on your new home.