A home warranty can offer you the peace of mind you need about your home and shield your bank account from large expenses by covering your home's major systems and appliances.
Being a homeowner in Troy is an excellent option for those who love up and coming cities. However, as great as Troy is, homeownership always comes with its fair share of negatives, such as trying to pay for your appliance repairs yourself.
Since the home warranty market is saturated with a lot of providers — all with different price points — the House Method team did the research for you to help you find the best home warranty in Troy.
Once you're ready to purchase a home warranty plan, the first step is deciding what items you need coverage for. After that, you can compare your options and call different home warranty providers for a free quote. Below is a list of factors that you'll want to keep in mind when selecting a home warranty provider:
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 is the best overall home warranty in Troy. 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 and policy coverage easily understandable.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage caps associated with Choice's plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 Troy, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty industry for around 10 years. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, 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 are easy to comprehend and offer both system and appliance coverage.
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 close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our comprehensive review of Select Home Warranty.
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 is the most customizable home warranty in Troy. 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 3 home warranty plans that AHS has include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are around the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our full review of American Home Shield. To get 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
In Troy, The Home Service Club is the best home warranty with the quickest service. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, 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 home warranty plans that HSC offers include options for appliance and system coverage.
The Home Service Club has 2 plans that offer a mix of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally about $2,000 at the maximum.
To receive 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.
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 is the most trustworthy home warranty for Troy residents. When you buy a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process easy.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. Liberty's service fees are an affordable $75, and the coverage limits come out to around $3,000 per covered appliance or system.
Read our thorough review of Liberty Home Guard to learn more. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
Five years of industry experience
Fact service with 24/7 customer support
Discounts for paying the annual price
Free roof leak coverage
Limited availability (only offered in 44 states)
Only 1 day to submit repair claim
In Troy, ServicePlus Home Warranty offers the best home warranty for emergency service. ServicePlus has over 6 years of experience in the home warranty market and in that time has built a a skilled network of service professionals nationwide. When you buy a home warranty from ServicePlus, you will get quick repairs with 24/7 customer support. ServicePlus Home Warranty also has been expanding its coverage to more and more areas across the country. The 2 home warranty plans that ServicePlus has include differing levels of system and appliance coverage, as well as add-on options.
ServicePlus Home Warranty offers 2 plans for Troy homeowners. The Gold Plan and Platinum Plan are the options they have, which have a mix of system and appliance coverage. ServicePlus has coverage caps of around $1,500 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 an affordable $75.
To receive a free quote from ServicePlus Home Warranty, fill out this online form or call 478-210-5091. To read more, visit our review of ServicePlus Home Warranty.
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 offers the best home warranty for appliance coverage in Troy. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also 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. The 2 plans from First American are easy to understand and offer a mix of both system and appliance coverage.
First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Troy residents. The 3 plans from Cinch are easy to comprehend and have a mix of both system and appliance 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 have 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 around $1,000-$2,000.
For more information on this provider, read our Cinch Home Services Review. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
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 Troy
A home warranty is a protection plan that makes it more affordable when one of your home systems or appliances experiences a complication. A home warranty can help homeowners who need to stick to their budget and don't have the savings to pay for large repair or replacement expenses. Typically about 30 days after paying for a home warranty plan, the coverage will start on your home systems and appliances.
When one of your systems or appliances experiences a problem, you file a claim with your home warranty provider. You can do so in an online portal or by calling them, and then a contractor will come and fix the problem. Once you file the claim, it will be assigned to a local technician that will come to your home and repair the issue. At this point, you pay the service fee. Service fees generally range in price from around $60 to $150 and this is the only out-of-pocket fee you will have to pay unless the repair cost is higher than your home warranty's coverage limit.
A home warranty plan provides coverage on your home's major appliances and systems and it can help cut back on how much you spend on maintaining your home. Typical appliances covered under a home warranty plan include a dryer, washer, refrigerator, microwave, dishwasher, garbage disposal, and more. The systems that are most commonly covered will be hot water heaters, plumbing systems, air conditioners, electrical systems, and heating systems. The add-on coverage options can include spa, roof leak, pool, septic system, and sometimes even things like locksmith or pest control.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things like misuse, lack of maintenance, cosmetic damages, and pre-existing conditions are excluded from the home warranty policy.
Temperatures in Troy can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Troy, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
Another added benefit of having home warranty coverage is that it can increase your home's property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new home buyers depending on the provider you purchased your home warranty through.
One downside of purchasing a home warranty is that there are generally exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it's important to read through the contracts you're considering thoroughly to understand what is included and what isn't. Another thing to keep in mind is that some providers don't cover pre-existing damage and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about this if you need more information or if this is an issue for you.
Although home warranties do have some things to bear in mind, whether during winter, summer, or the months in between, a home warranty can help mitigate the inevitable hassle of home appliances and system repairs, giving you a little peace of mind.
A home warranty in Troy can save you a lot of money and offer you peace of mind when it comes to expensive home repairs and replacements. When it comes to home warranty companies in Troy, the best overall is Choice Home Warranty. With its comprehensive plans, affordable pricing, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
The top home warranty provider in Troy is Choice Home Warranty. Choice Home Warranty a large network of experienced service technicians and a great reputation in the Troy area.
A home warranty is a service contract that covers the repairs and replacements of your major home system components and appliances.
Home warranty policies cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different kind of plan that protects your entire home from natural disasters and fires. It doesn't cover normal appliance or system breakage.
The service fee is the price homeowner pay every time there's a problem with a home system or appliance. The service fees are commonly between $60 and $150.