Written By David Cusick
Last Updated April 2024
With hot summers in Arden-Arcade, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your air conditioning go out in the middle of summer. A home warranty plan can help protect homeowners by reducing the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the right protection for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Arden-Arcade. Keep reading for our recommendations.
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 for Arden-Arcade residents. Choice has more than 15 years of industry experience and in that time has built a an network of service technicians in the country. 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. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. 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. For a more detailed breakdown, read 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 is the most cost-effective home warranty for Arden-Arcade residents. Select has more than 11 years of industry experience and in that time has built a an network of service technicians in the country. 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. Select has 3 simple plans, making the selection process quick and easy.
The plans that Select offers to homeowners 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 be sure to check with the provider. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, read 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 is the most customizable home warranty for Arden-Arcade residents. AHS has more than 26 years of industry experience and in that time has built a an network of service technicians in the country. 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. AHS has 3 simple plans, making the selection process quick and easy.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read our review of American Home Shield.
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
First American Home Warranty is the best home warranty for appliance coverage for Arden-Arcade residents. First American has more than 39 years of industry experience and in that time has built a an network of service technicians in the country. 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. 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 with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $85.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For a more detailed breakdown, read our review of First American Home Warranty.
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
Cinch Home Services is the home warranty with the best workmanship guarantee for Arden-Arcade residents. Cinch has more than 44 years of industry experience and in that time has built a an network of service technicians in the country. 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. 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. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read 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 is the best home warranty with the quickest service for Arden-Arcade residents. HSC has more than 15 years of industry experience and in that time has built a an network of service technicians in the country. 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. HSC has 2 simple plans, making the selection process quick and easy.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read 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 | $6,409 |
Heating | $4,273 |
Electrical | $641 |
Toilets | $534 |
Washer/Dryer | $855 |
Plumbing | $641 |
Oven | $1,709 |
Fridge | $641 |
A home warranty is a protection plan that helps cut costs for Arden-Arcade homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix 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 plan gives homeowners peace of mind because it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are refrigerators, garbage disposals, dishwashers, microwaves, dryers, washers, and more. Covered systems are typically air conditioning, plumbing, heating, and electrical. Many home warranty companies offer add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. Most home warranty plans require Arden-Arcade homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should understand key terms like:
There are several important considerations when selecting a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic policies typically cover heating, AC, electrical, plumbing, and appliances, while more comprehensive options may also cover well pumps, roof leaks, pools, and spas. Look for companies with flexible coverage choices, including upgraded plans. This helps you tailor protection to your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty company's track record gives you insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Complimentary reviews and ratings indicate a provider known for stellar service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Contact potential providers to learn the number of repair technicians they have in Arden-Arcade and get an idea of how quickly your repairs could be handled in an emergency. Larger networks raise the chance of getting qualified contractors to quickly service your home.
Home warranty companies might include bonuses such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These can add value beyond repair coverage. Added perks maximize the usefulness of your home warranty.
Arden-Arcade’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the repairs, preventing you from spending a lot of money out of pocket.
On top of 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 issues you may come across. Plus, having a home warranty can make your house more attractive to potential homebuyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been receiving.
Home warranties also have some drawbacks. Though it can be convenient that the home warranty sends out a service technician who handles the repair for you, some homeowners may not like this, and they would rather choose a contractor themselves. If that’s important to you, some home warranty providers allow you to choose a contractor.
Additionally, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Arden-Arcade can cost anywhere from $30 to $60 a month. Higher-priced plans usually have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also lower your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your home in case of a situation such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim if you need a new dryer or dishwasher, unless the damage is a result of a natural disaster, which is somewhat common in Arden-Arcade.
A home warranty plan can help real estate agents, home sellers, homebuyers, homeowners, and investors. It can offer peace of mind to anyone involved with homeownership.
A home warranty policy can cover your home’s appliances, systems, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Usually the one who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may buy a home warranty 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 Arden-Arcade is $498,921, a home warranty can be an added asset when buying a home.