Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Homeownership in Schodack comes with quite a few positives, but it also comes with worries and concerns. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty can give you the peace of mind you need and safeguard your bank account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be overwhelming, since there are lots of companies to choose from. That’s why the Today's Homeowner team did the research and made a list of the top home warranty companies in Schodack 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 Schodack, Liberty Home Guard is the most trustworthy home warranty. Liberty has been operating for about 6 years, making it a respected company in the industry. The 3 plans from Liberty are easy to understand and offer a mix of both system and appliance coverage. 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Schodack area.
For more information, read our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, 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
In Schodack, Choice Home Warranty is the best overall home warranty. Choice has been operating for about 15 years, making it a respected company in the industry. The 2 plans from Choice are easy to understand and offer a mix of both system and appliance coverage. 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Schodack area.
For more information, read our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, 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
In Schodack, Select Home Warranty is the most cost-effective home warranty. Select has been operating for about 11 years, making it a respected company in the industry. The 3 plans from Select are easy to understand and offer a mix of both system and appliance 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 limits from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Schodack area.
For more information, read our Select Home Warranty Review. To get 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 Schodack, American Home Shield is the most customizable home warranty. AHS has been operating for about 26 years, making it a respected company in the industry. The 3 plans from AHS are easy to understand and offer a mix of both system and appliance coverage. 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Schodack area.
For more information, read our American Home Shield Review. To get a free quote from American Home Shield, 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
In Schodack, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been operating for about 44 years, making it a respected company in the industry. The 3 plans from Cinch are easy to understand and offer a mix of both system and appliance coverage. 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 Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Schodack area.
For more information, read our Cinch Home Services Review. To get a free quote from Cinch Home Services, 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
In Schodack, The Home Service Club is the best home warranty with the quickest service. HSC has been operating for about 15 years, making it a respected company in the industry. The 2 plans from HSC are easy to understand and offer a mix of 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 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Schodack area.
For more information, read our The Home Service Club Review. To get a free quote from The Home Service Club, 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 | $6,122 |
| Heating | $4,081 |
| Electrical | $612 |
| Toilets | $510 |
| Washer/Dryer | $816 |
| Plumbing | $612 |
| Oven | $1,632 |
| Fridge | $612 |
A home warranty is a protection plan that helps Schodack homeowners in reducing the costs of appliance and system repairs. The plans offer financial coverage to swap out or fix appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is particularly helpful for those living in older houses or houses with systems near the end of their life span. However, people with newer homes and working appliances may not require a home warranty.
Home warranties protect many household systems and appliances. Typical covered appliances are microwaves, washers, refrigerators, dishwashers, garbage disposals, dryers, and others. Covered systems include electrical, air conditioning, plumbing, and heating. Many home warranty plans offer additional coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Most home warranty plans require Schodack homeowners to refrain from making claims for 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 make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
There are several key considerations when selecting a home warranty provider:
Home warranties differ greatly in the items covered. Basic policies typically include heating, electrical, AC, plumbing, and appliances, while more comprehensive options may also cover pools, roof leaks, well pumps, and spas. Look for providers with a diverse range of coverage options, including upgraded plans. This helps you tailor protection to 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, some homeowners prefer to choose a provider with lower service fees to maximize savings on every claim. Some companies also eliminate deductibles when customers have a claim-free period.
A home warranty provider's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Reach out to potential providers to learn the number of repair professionals they have in Schodack and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks improve the likelihood of getting qualified contractors to swiftly service your home.
Some home warranty providers include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These extras can provide extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your home warranty.
Schodack’s frigid winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the repairs, preventing you from spending unexpected money out of pocket.
Not only can a home warranty give you some savings, 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 good thing about having a home warranty is when you’re selling your home, some providers let you transfer your home warranty policy to the new owners. This can make your house more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some cons. While it can be convenient that the home warranty sends out a contractor who handles the repair for you, some people may not like this, and they may want to select a contractor themselves. If that’s the case for you, some home warranty providers let you choose a contractor.
In addition, 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 other than normal wear and tear — the home warranty may not cover it.
A home warranty in Schodack can cost anywhere from $30 to $60 a month. The higher-priced plans tend to have broader coverage, higher coverage limits, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects your entire home from natural disasters, which might not be too much of a concern in Schodack. It doesn't cover a typical appliance or system breakage.
Homebuyers, landlords, homeowners, home sellers, and real estate agents 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.
The different types of home warranties in Schodack include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, including your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the policy.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, though, the one selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Schodack is $308,763, a home warranty can save you some money when buying a home.
