Carmichael is a wonderful area in the state of California to be a homeowner. Buying a new home is just the beginning, however. You still need to maintain it, which can come with a fair amount of expenses. You've paid a lot of money for your property, so you'll want to keep it in the best condition you possibly can.
There are more than sixty home warranty providers in the Carmichael area. At Review Home Warranties, we reviewed all these plans and compared factors such as coverage options, monthly costs, time on the market, BBB ratings, and more to help you decide. This is how the top policies in Carmichael rank.
Company Name | Choice Home Warranty | American Home Shield | Select Home Warranty | |||
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Number of Plan Options | 2 | 3 | 3 | |||
Monthly Plan Cost | $45.00 - $53.33 | $29.27 - $74.27 | $57.67 - $62.08 | |||
Better Business Bureau Rating | B | B | B | |||
Reviews | Reviews | Read Choice Home Warranty Reviews | Reviews | Read American Home Shield Reviews | Reviews | Read Select Home Warranty Reviews |
Choice Home Warranty offers the best overall home warranty for Carmichael homeowners. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. Homeowners can choose between Choice Home Warranty's Basic Plan and Total Plan and also add-ons.
Choice's service fees are $85, and the coverage caps come out to around $3,000 for each covered appliance or system. If you want high coverage caps and a contract that's easy to understand, this is the provider for you.
Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
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Basic Plan | $45.00 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater. Basic Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Basic Plan Add On |
Total Plan | $53.33 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator. Total Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Total Plan Add On |
American Home Shield is the most customizable home warranty in Carmichael. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. Homeowners can choose between American Home Shield's ShieldSilver, ShieldGold, and ShieldPlatinum and also add-ons.
Service fees from AHS range from $70 to $125. The coverage caps are also about $2,500. When you purchase a home warranty from AHS, you will get a customizable plan and a low claim denial rate.
Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
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ShieldSilver | $29.27 - $44.27 | $75.00 - $125.00 | View Items Covered Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan. ShieldSilver Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldSilver Add On |
ShieldGold | $39.27 - $54.27 | $75.00 - $125.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan. ShieldGold Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldGold Add On |
ShieldPlatinum | $59.27 - $74.27 | $75.00 - $125.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan. ShieldPlatinum Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldPlatinum Add On |
In Carmichael, Select Home Warranty is the most cost-effective home warranty policy. Select has 3 simple plans, making the selection process quick and easy. Homeowners can choose between Select Home Warranty's Bronze Care Plan, Gold Care Plan, and Platinum Care Plan and also add-ons.
Service fees from Select are $80. The coverage caps are also typically about $2,000 for most systems and appliances. When you purchase a home warranty from Select, you can look forward to an affordable service fee and free roof coverage.
Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
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Bronze Care Plan | $57.67 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer. Bronze Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Bronze Care Plan Add On |
Gold Care Plan | $57.67 | $60.00 | View Items Covered Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater. Gold Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Gold Care Plan Add On |
Platinum Care Plan | $62.08 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages. Platinum Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Platinum Care Plan Add On |
First American Home Warranty offers the best appliance home warranty policy for Carmichael homeowners. The home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage. The plans that First American offers to homeowners are Basic Plan and Premier Plan.
First American's service fees are $85, and the coverage caps come out to around $1,500 per system or appliance. If you'd like comprehensive appliance coverage and a unique add-on that 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., you'll want to have this plan on your side.
Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
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Basic Plan | $38.00 | $85.00 | View Items Covered Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Trash compactor, Washer, Water dispenser. Basic Plan Included Item | View Add-on Items Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade. Basic Plan Add On |
Premier Plan | $48.50 | $85.00 | View Items Covered Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Vacuum, Water heater, Washer, Water dispenser. Premier Plan Included Item | View Add-on Items Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade. Premier Plan Add On |
For homeowners who'd like the best workmanship guarantee in Carmichael, homeowners should consider choosing Cinch Home Services. The 3 home warranty plans that Cinch has include differing levels of system and appliance coverage, as well as add-on options. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the names of the company's plans, and it also offers add-on coverage.
Cinch's service fees range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 for each covered appliance or system. Cinch is known as a company with a 180-day workmanship guarantee and a wide range of coverage options.
Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
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Appliances Plan | $34.99 - $50.99 | $75.00 - $150.00 | View Items Covered Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer. Appliances Plan Included Item | View Add-on Items Pool, Septic, Well pump. Appliances Plan Add On |
Built-in Systems Plan | $39.99 - $57.99 | $75.00 - $150.00 | View Items Covered Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan. Built-in Systems Plan Included Item | View Add-on Items Pool, Septic, Well pump. Built-in Systems Plan Add On |
Complete Home Plan | $49.99 - $67.99 | $75.00 - $150.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan. Complete Home Plan Included Item | View Add-on Items Pool, Septic, Well pump. Complete Home Plan Add On |
Now that you have a better idea of the best home warranty providers in Carmichael, it's time to consider what they can actually cover. A home warranty is in place to protect against normal wear and tear of systems and appliances. The point of a home warranty is to help you with expenses related to repairing and replacing your systems and appliances like your microwave or HVAC. If your home has a pool and spa, this is something to consider as well.
The home systems usually covered under a home warranty are
The appliances commonly covered are ones such as:
At Review Home Warranties, we have done comprehensive research to determine the average costs of a home warranty plan in Carmichael. The cost will vary depending on the coverage choices, type of home, and the service fee that you opt for.
The service fees home warranty companies offer range from $60-$150 and monthly premiums $30-$80, depending on the coverage you pick. Plus, if you need any add-on coverage, that will increase the cost. Keep these costs in mind as you browse the plan options available to you.
Most people signing up for a home warranty in Carmichael are looking for cost savings. However, there are additional benefits, as well as some potential disadvantages, of a home warranty that homeowners should be aware of. Let's go over the benefits first:
And these are some potential downsides of a home warranty:
Having a professional network of contractors is one of the benefits of buying a home warranty. This makes getting repairs smooth and easy, since you won't have to look up contractors and call around for estimates.
Our overall pick for the best home warranty company in Carmichael is Choice Home Warranty. However, the right company for you depends on the kind of coverage you need for your appliances and systems.
A home warranty is a type of service contract that covers the repairs and replacements of your major home system components and appliances if they fail unexpectedly.
For homeowners with new appliances that are already covered under a manufacturer's warranty, you may want to wait until that warranty expires before purchasing a home warranty. Home warranty providers will only cover appliances and systems that aren't already covered by a warranty.
A home warranty can help investors, home sellers, home buyers, real estate agents, and homeowners. It can offer peace of mind to anyone that is involved with homeownership.
At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our top home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what we value in our review process:
Of the 50 different companies that we've reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.