A home warranty in Troy can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
As much as you may enjoy homeownership in Troy, there is always that concern about whether or not your systems and appliances are going to make it through the next few years.
Finding the best home protection plan for your Troy home can be hard, so our team at House Method did the research for you to help you find the best home warranty in Troy. Read on for our home warranty recommendations and find out which plan works best for your home.
The first step in protecting your property with a home warranty is determining which provider's plan is the best for you. Think about the items in your home you need coverage for and compare the plans. Before making your final decision, here are a few other factors to bear in mind:
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 Troy, Choice Home Warranty offers the best overall home warranty. The 2 plans from Choice are easy to understand and offer both system and appliance coverage. 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.
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. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Troy area.
Read our Choice Home Warranty full review to learn more. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Troy. 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. 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. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000 at the maximum.
Read more by visiting our Select Home Warranty Review. To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
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 for Troy residents. AHS has been in business for about 25 years, making it a well-regarded company in the industry. 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. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
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 comprehensive review of American Home Shield.
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 offers the best home warranty with the quickest service. HSC has more than 14 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The 2 plans that HSC has include options for appliance and system coverage. 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 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000.
To read more, visit our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
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. 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 are easy to understand and have a mix of both system and appliance coverage.
There are 3 home warranty plans from Liberty Home Guard: 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 less than other providers in the Troy area.
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 Liberty Home Guard full review.
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 for Troy residents. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, 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. The 2 plans from First American are easy to understand and offer both system and appliance coverage.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Troy area.
For more information, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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 Troy, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch offers 3 plans for you to decide between. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, 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. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information, read our thorough review of Cinch Home Services.
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 covers home systems and appliances. When your washer or dryer breaks down and the repair will cost several hundred dollars, a home warranty will make sure that all you have to pay is a predetermined service fee. Home warranty coverage usually starts without an inspection and you can generally start using it about thirty days after purchasing the policy.
Filing a claim with your home warranty company is easy. There will be either an online portal system or a direct phone number to file your claim with your home warranty company. At this point, you will pay the service fee, which is usually between $60 and $150 depending on what plan you choose. After the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. As long as the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs apart from the service fee.
A home warranty will cover systems and appliances from normal wear and tear. The appliances that are typically covered under a home warranty plan include refrigerator, microwave, dishwasher, clothes dryer, garbage disposal, clothes washer, and more. The systems usually included are hot water heaters, electrical systems, ductwork, plumbing systems, and air conditioners. The add-on coverages can include septic system, pool, roof leak, spa, and sometimes even things like locksmith or pest control.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, your home warranty will not cover it. Things such as pre-existing conditions, lack of maintenance, cosmetic damages, and misuse are not included in a home warranty policy.
Troy is known for its mild winters and hot summers, and if you live in Troy, you know that the weather can be unpredictable. During the summer months, your air conditioner can be overloaded in its effort to combat the heat. If your air conditioner did stop working, a home warranty can cover the repairs and prevent you from spending out-of-pocket expenses.
Another added benefit of having home warranty coverage is that it can raise your home's property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new home buyers depending on the company you have your home warranty with.
There are also some drawbacks to purchasing a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty. 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 be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Although home warranties do have some exclusions to keep in mind, no matter the season, a home warranty can help lower the inevitable cost of home appliances and system repairs, giving you some peace of mind.
Hopefully, you now feel as though you can choose the right home warranty for your Troy home. 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 history in the industry, Choice Home Warranty has a lot to offer.
Our pick for the best overall home warranty provider in Troy is Choice Home Warranty but the best company for you will vary based on factors such as what appliances and systems you need coverage for.
A home warranty is a of service contract that gives homeowners extra coverage for their household systems and appliances. These include dishwashers, dryers, washing machines, refrigerators, garbage disposals, water heaters, electrical systems, heating and cooling systems, plumbing, and sump pumps, among others. Some plans also provide coverage for garage door openers, roofs, ceiling fans, and pools. A home warranty can help you save money if these items break down unexpectedly.
Usually coverage for a home warranty plan begins 30 days on the day the sale closes. However, a few providers may let you file a claim before this, so verify with customer service to find the exact waiting period for your situation.
The systems and appliances in a home are covered under a home warranty plan in Troy. Everything from a fridge to a washer can be covered under a home warranty.
Most home warranties will cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
Owning a home can be pricey. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty plan, you won't have any large hits to your savings account .
