5 Best Home Warranty Companies In Carmichael, CA
Are you searching for the best home warranty for your home in Carmichael? We can help.
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.
Compare the Best Home Warranty Companies in Carmichael
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 | |||
|---|---|---|---|---|---|---|
| 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 |
Home Warranty Companies In Carmichael
- Choice Home Warranty: Best Overall
- American Home Shield: Most Customizable
- Select Home Warranty: Most Cost-Effective
- First American Home Warranty: Best Appliance
- Cinch Home Services: Best Workmanship Guarantee
Carmichael's Top Home Warranty Companies'
- Pros:
- Over 10 years of experience
- 24/7 customer service team
- Home inspections aren’t required
- 90-day repair guarantee
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 |
|---|---|---|---|---|
| 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 |
- Pros:
- 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
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 |
|---|---|---|---|---|
| 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 |
- Pros:
- 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
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 |
|---|---|---|---|---|
| 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 |
- Pros:
- 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
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 |
|---|---|---|---|---|
| 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 |
- Pros:
- Offers home insurance deductible of $500
- Extra long 180-day workmanship guarantee
- Offers free cancellation in the first 30 days
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 |
|---|---|---|---|---|
| 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 |
What does a Home Warranty Cover in Carmichael?
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
- HVAC (heating and air conditioning)
- Electrical system
- Water heater
- Plumbing system
The appliances commonly covered are ones such as:
- Built-in Microwave
- Refrigerator
- Oven / Range / Stove
- Cooktop
- Clothes Dryer
- Clothes Washer
- Dishwasher
Cost of a Home Warranty in Carmichael?
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.
Is a Home Warranty Worth It in Carmichael?
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:
- Peace of mind--When something breaks down in your home, you can spend a lot of time thinking about the expense of the repair. A home warranty will give you peace of mind about how much you'll spend.
- Workmanship guarantee--If you keep experiencing issues with your appliance or system after a contractor repaired it, the workmanship guarantee makes sure that you will keep getting service if the issue occurs again within the guarantee period.
- Fast response times--When you file a claim, a customer service representative will usually answer you within a 24 to 48-hour period and get a contractor to come quickly.
And these are some potential downsides of a home warranty:
- Coverage cap--The coverage limit dictates how much your home warranty plan will pay for a repair or replacement. If you need a replacement that goes over this amount, you will have to pay for the rest out of pocket.
- Waiting period--A home warranty's coverage typically only begins 30 days after buying the policy.
- Exclusions--Be sure you read through the home warranty contract to see what the exclusions are. They can include things such as appliances covered under a manufacturer's warranty, pre-existing conditions, or intentional damage.
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.
FAQ's for Home Warranties in Carmichael
Which home warranty should I choose?
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.
What's a home warranty?
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.
Should I buy a home warranty now?
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.
Who needs a home 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.
Our Rating Methodology
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:
- Plan options: Providers that offer more flexibility in their plans are rated higher.
- Coverage specifics: The more items covered in a home warranty plan, the higher the score.
- Pricing: We take the monthly fee and service fee into consideration when rating pricing.
- Trustworthiness: We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
- State availability: Finding coverage in your state can be a challenge if home warranty companies aren't located there. The more states covered, the higher the score.
- Customer service: Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
- Additional benefits: Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.
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.