Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Being a homeowner in Saratoga Springs is a great option for those who like up-and-coming areas. However, as great as Saratoga Springs is, homeownership always comes with its fair share of difficulties, such as trying to handle your appliance repairs yourself. A home warranty can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be quite a challenge because of the many options available. If you're overwhelmed by trying to compare them all, keep reading for our guide to the best home warranty providers in Saratoga Springs.
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 Saratoga Springs, Liberty Home Guard is the most trustworthy home warranty. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage.
Liberty Home Guard has 3 plans that offer a mix of appliance and system coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our review of Liberty Home Guard to learn more.
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 Saratoga Springs, 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. The 2 plans from Choice are comprehensive and offer both system and appliance coverage.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 Saratoga Springs, Select Home Warranty is the most cost-effective home warranty. 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 comprehensive and offer both system and appliance coverage.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. Select has coverage caps of around $2,000 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 $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our review of Select Home Warranty to learn more.
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 Saratoga Springs, American Home Shield is the most customizable home warranty. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and offer both system and appliance coverage.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. 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 provider. 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. Read our review of American Home Shield to learn more.
ShieldSilver
ShieldGold
ShieldPlatinum
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
In Saratoga Springs, First American Home Warranty is the best home warranty for appliance coverage. First American offers very affordable and comprehensive appliance coverage. Plus, 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 comprehensive and offer both system and appliance coverage.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. 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 our review of First American Home Warranty to learn more.
Basic Plan
Premier Plan
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 Springs, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our review of Cinch Home Services to learn more.
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 Saratoga Springs, 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 plans from HSC are comprehensive and offer both system and appliance coverage.
The Home Service Club has 2 plans that offer a mix of appliance and system coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
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.
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 | $6,614 |
| Heating | $4,409 |
| Electrical | $661 |
| Toilets | $551 |
| Washer/Dryer | $882 |
| Plumbing | $661 |
| Oven | $1,764 |
| Fridge | $661 |
A home warranty is a protection plan that helps reduce the high costs for Saratoga Springs 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 exceeds the item's coverage limit. A home warranty provides security for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with aging systems. More modern builds with modern appliances probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include garbage disposals, refrigerators, microwaves, dryers, washers, dishwashers, and more. Covered systems are normally electrical, air conditioning, plumbing, and heating. Many home warranty providers offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Saratoga Springs homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or improperly using a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Here are some essential home warranty words to understand before signing a contract:
There are several important factors to consider when selecting a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic policies typically include electrical, heating, plumbing, AC, and appliances, while more comprehensive options may also cover pools, well pumps, roof leaks, and spas. Focus on companies with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for companies advertising lower service fees to optimize savings on each repair claim. Certain companies may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Reach out to potential companies to ask how many repair professionals they have in Saratoga Springs and get an idea of how fast your repairs could be handled in an emergency. Wider networks raise the chance of getting qualified contractors to promptly service your home.
Certain home warranty providers offer extras such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These bonuses provide extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Home warranties are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Saratoga Springs reaching an average high of 56℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can remarkably decrease out-of-pocket costs should your HVAC system stop working.
Along with saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may have. A home warranty can also offer value in other ways. For example, some policies can be transferred to another owner when you sell your home.
One downside of signing up for a home warranty is that there are often exclusions. For example, 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 carefully to get a sense of what is included and what isn’t.
Another potential pain point of home warranties is that they don’t cover items that haven’t been properly maintained. This can lead to your claims being rejected, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Saratoga Springs can cost anywhere from $30 to $60 a month. The higher-priced plans tend to have higher coverage limits, a lower service fee, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also decrease your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover issues with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different insurance that protects your entire home from natural disasters, which might not be too much of a concern in Saratoga Springs. It doesn't cover a normal appliance or system breakage.
A home warranty plan can help investors, homebuyers, homeowners, home sellers, and real estate agents. It can offer peace of mind and savings to anyone involved in homeownership.
The different home warranties in Saratoga Springs include plans that cover either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, including your washing machine, drier, and plumbing. An appliance or system plan will cover only the items listed in the contract.
Home warranty plans generally offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month options as well.
Usually the homeowner pays for the home warranty. In some cases, though, the home seller may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Saratoga Springs is $566,378, a home warranty can save you some money when buying a home.
