Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Buying a home is a big step for many, but the cost of maintaining it can get expensive over time, especially if your home in Troy is on the older side. A home warranty can offer you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market is saturated with many providers — all with different coverage — so the Today's Homeowner team has done the research to help you choose the best home warranty companies in Troy.
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 offers the most trustworthy home warranty in Troy. Liberty has been in business for more than 6 years, making it a well-regarded company in the industry. The 3 home warranty plans that Liberty offers include options for appliance and system coverage. With a home warranty from Liberty, you can enjoy 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.
Liberty Home Guard offers 3 plans for Troy homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our review of Liberty Home Guard.
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 offers the best overall home warranty in Troy. Choice has been in business for more than 15 years, making it a well-regarded company in the industry. The 2 home warranty plans that Choice offers include options for appliance and system coverage. With a home warranty from Choice, you can enjoy 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.
Choice Home Warranty offers 2 plans for Troy homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our review of Choice Home Warranty.
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 Troy. Select has been in business for more than 11 years, making it a well-regarded company in the industry. The 3 home warranty plans that Select offers include options for appliance and system coverage. With a home warranty from Select, you can enjoy 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.
Select Home Warranty offers 3 plans for Troy homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our review of Select Home Warranty.
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 offers the most customizable home warranty in Troy. AHS has been in business for more than 26 years, making it a well-regarded company in the industry. The 3 home warranty plans that AHS offers include options for appliance and system coverage. With a home warranty from AHS, you can enjoy 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.
American Home Shield offers 3 plans for Troy homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our review of American Home Shield.
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 offers the home warranty with the best workmanship guarantee in Troy. Cinch has been in business for more than 44 years, making it a well-regarded company in the industry. The 3 home warranty plans that Cinch offers include options for appliance and system coverage. 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.
Cinch Home Services offers 3 plans for Troy homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our review of Cinch Home Services.
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 offers the best home warranty with the quickest service in Troy. HSC has been in business for more than 15 years, making it a well-regarded company in the industry. The 2 home warranty plans that HSC offers include options for appliance and system coverage. With a home warranty from HSC, you can enjoy 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 Home Service Club offers 2 plans for Troy homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our review of The Home Service Club.
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 | $6,010 |
| Heating | $4,007 |
| Electrical | $601 |
| Toilets | $501 |
| Washer/Dryer | $801 |
| Plumbing | $601 |
| Oven | $1,603 |
| Fridge | $601 |
A home warranty is a protection policy that helps lower expenses for Troy homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that stop working due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company 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 goes over the item's coverage limit. A home warranty policy gives homeowners peace of mind because it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems 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 protect your home systems and appliances. Common appliances covered include washers, microwaves, dishwashers, garbage disposals, refrigerators, dryers, and more. Covered systems are normally plumbing, heating, air conditioning, and electrical. Many home warranty providers offer add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. Troy homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of 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. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage varies widely in the items that are included. Most plans include protection for electrical, AC, plumbing, heating, and appliances. More comprehensive plans also include protection for other items such as roof leaks, pools, spas, and well pumps. Look for companies with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out providers advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Read through review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about providers. Positive ratings and feedback suggest a company known for delivering quality service.
Home warranty providers maintain networks of technicians to handle covered repairs. More extensive networks improve the likelihood of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Troy to get a sense of how quickly your repairs could happen in an emergency.
Some home warranty companies may include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These extras can offer extra value beyond just repair coverage. Extra bonuses allow you to enhance your home and get the most from your warranty policy.
Since temperatures in Troy can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Getting a home warranty can help homeowners save money if one of these systems or appliances stops working unexpectedly.
A home warranty also can also save you time and energy. Instead of spending hours researching and choosing a contractor to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Another benefit of 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 house sell faster.
One main drawback of home warranties is not every home system and appliance may be covered. It’s important to weigh the different policies and opt for one that covers all the appliances, systems, and add-ons you need.
Another pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your claims being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, around $300 to $600 a year in Troy. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover problems related to home systems and appliances that need repairs or replacements 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 Troy. It doesn't cover a normal appliance or system breakage.
Homebuyers, homeowners, landlords, real estate agents, 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.
A home warranty plan will cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Home warranty plans usually last a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, 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 transferred to the new homeowner, who will pay the service fees. In Troy, where the median value of a home is $254,055, having the seller pay for the home warranty can save you some money on your new home.
