A Saratoga home warranty plan can help protect you by reducing the costs of major repairs and replacements on your home's appliances and systems.
Owning a home in Saratoga has tons of great advantages, but there are, of course, some downsides too. The hot, humid weather can cause problems in a home and destroy some systems and appliances.
Finding the best home warranty on the market can be quite time-consuming because there are dozens of companies to choose from. That's why our team at House Method did the research and put together a list of the best home warranty companies in Saratoga for you.
After looking into the basics of home warranties in Saratoga, the next step is to figure out which company you'd like to receive a free quote from. Plans can vary, so consider the following factors when picking a home warranty policy:
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 Saratoga, Choice Home Warranty is the best overall home warranty. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process quick and easy.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000.
Read more by visiting our full review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
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 Saratoga. Select has 3 plans for you to choose from. 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. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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 Saratoga, American Home Shield is the most customizable home warranty. 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 AHS are easily comprehensible and offer both system and appliance coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
Read our review of American Home Shield to learn more. To receive a free quote from American Home Shield, 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 offers the best home warranty with the quickest service in Saratoga. The 2 policies that HSC has include differing levels of system and appliance coverage, as well as add-on 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 Home Service Club offers 2 plans for Saratoga homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered appliance or system.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our comprehensive review of The Home Service Club.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in Saratoga. If you're looking for very affordable and comprehensive appliance coverage, this is the plan for you. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 simple plans, making the selection process quick and easy.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting our review of First American Home Warranty.
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 Saratoga, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch is a home warranty company with 43 years of experience in the industry, and it has become one of the best providers in the business. 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. Cinch has 3 simple plans, making the selection process quick and easy.
The plans that Cinch offers to homeowners 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 less than other providers in the Saratoga area.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our Cinch Home Services Review.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Saratoga
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer breaks down and the repair is several hundred dollars, a home warranty will make sure that all you have to pay is a predetermined service fee. Home warranty coverage often starts without an inspection and generally goes into place about thirty days after purchasing the policy.
When you have a system or appliance that experiences an issue, you file a claim with your service provider. You can do so online or by calling them, and then a technician will come and fix the problem. At this point, you will pay a service fee, which is generally between $60 and $150 depending on what plan you opt for. After the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. If the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs apart from the service fee.
A home warranty offers coverage on your home's major appliances and systems and it can help cut back on the cost of maintenance on your home. The appliances typically covered under a home warranty plan are the oven, washing machine, dryer, microwave, dishwasher, refrigerator, and more. System coverage typically includes plumbing, heating systems, air conditioning, electrical systems, water heaters, and more. Add-on coverage options can vary by provider but typically include things like a septic system, central vacuum, sprinkler system, plumbing stoppages, and second refrigerator.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things like cosmetic damages, lack of maintenance, misuse, and pre-existing conditions are not included in the home warranty policy.
Saratoga's hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty is designed to 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 needed repairs, saving you from spending unexpected money out of pocket.
A home warranty also saves you time and energy. Instead of spending hours finding and choosing a repair person to fix your appliance or system, home warranty providers do the hard work for you and just send a trusted professional to your door whenever you need them.
There are also some downsides to purchasing a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty. Another drawback is that home warranties may not include some repairs, like those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were impacted probably won't be covered by the home warranty.
Although home warranties do have some exclusions to keep in mind, no matter the season, a home warranty can help mitigate the inevitable cost of home appliances and system repairs, giving you some peace of mind.
Hopefully, you now feel positive that you can choose a home warranty in Saratoga after going through our reviews. The best provider in Saratoga is Choice Home Warranty. It offers great and comprehensive coverage of all the essential home systems and appliances at an affordable cost with several add-on options.
Our pick for the best overall home warranty in Saratoga is Choice Home Warranty but the perfect company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty is a of service contract that provides homeowners extra coverage for their household systems and appliances. These include dryers, garbage disposals, dishwashers, washing machines, refrigerators, heating and cooling systems, sump pumps, water heaters, plumbing, and electrical systems, among others. Some plans also offer coverage for garage door openers, pools, ceiling fans, and roofs. A home warranty can help you save money if these appliances and systems fail unexpectedly.
A home warranty protects against the normal wear and tear of home systems and appliances. A homeowners insurance plan protects your entire home in case of something like a natural disaster or fire. With homeowners insurance, you won't be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster.
The systems and appliances in a home are covered under a home warranty policy in Saratoga. Everything from a stove to a swimming pool can be covered under a home warranty.
Home warranties cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay for the rest out of pocket.
A home warranty can cost on average about $300 to $800 a year in Saratoga. 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 typically cheaper to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. The key is to compare plans to determine what you're really getting for the price.
