6 Best Home Warranty Companies In Carmichael, CA

Looking for the best home warranty company in Carmichael? You're in the right spot.

Owning a home in Carmichael can be an exciting experience, but it also has its difficulties. With the cost of living going up, having to repair or replace your appliances can really put a lot of stress on you.

Compare the Best Home Warranty Companies in Carmichael

There are several home warranties that need to be sorted through for us to be able to put together our list of the top home warranty plans in Carmichael. Finding a home warranty policy that is the perfect fit for your needs can be a bit challenging. Fortunately we have assessed things like coverage choices, pricing, service fees, customer service reviews, and more for each provider to help you decide on one. Here is how the best companies 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

  1. Choice Home Warranty: Best Overall
  2. American Home Shield: Most Customizable
  3. Select Home Warranty: Most Cost-Effective
  4. Cinch Home Services: Best Workmanship Guarantee
  5. The Home Service Club: Best Quick Service
  6. First American Home Warranty: Best Appliance

Carmichael's Top Home Warranty Companies'

#1 Choice Home Warranty

Editorial Rating 98.5

    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

#2 American Home Shield

Editorial Rating 97.6

    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

#3 Select Home Warranty

Editorial Rating 97.2

    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

#4 Cinch Home Services

Editorial Rating 96.5

    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

#5 The Home Service Club

Editorial Rating 95.3

    Pros:
  • 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

The Home Service Club offers the best quick service home warranty in Carmichael. The 2 home warranty plans that HSC has include options for appliance and system coverage. The home warranty plans from The Home Service Club include Standard Coverage Plan and Comprehensive Coverage Plan.

HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so it's important to check with the company. Service fees are $60, $75, or $95, depending on the plan you choose. HSC is known as a company with quick coverage just 10 days after purchasing the policy and a 30-day labor guarantee and a 90-day parts guarantee.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Standard Coverage Plan $50.40 $60.00 - $95.00

View Items Covered

Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater.

Standard Coverage Plan Included Item

View Add-on Items

Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer.

Standard Coverage Plan Add On

Comprehensive Coverage Plan $62.90 $60.00 - $95.00

View Items Covered

Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan.

Comprehensive Coverage Plan Included Item

View Add-on Items

Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer.

Comprehensive Coverage Plan Add On

#6 First American Home Warranty

Editorial Rating 94.7

    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

What does a Home Warranty Cover in Carmichael?

A home warranty will assist you with systems and appliances that experience damage because of normal wear. A home warranty helps protect you against repair expenses. Home warranties will also help cover replacement costs in some cases when an appliance or system cannot be repaired.

These are the systems that are usually covered under a home warranty:

  • Electrical system
  • Ceiling and exhaust fans
  • Garbage disposal
  • Water heater
  • HVAC ductwork
  • HVAC (heating and air conditioning)
  • Plumbing system including stoppages

Common appliances include:

  • Refrigerator
  • Dishwasher
  • Built-in Microwave
  • Clothes Washer
  • Oven / Range / Stove
  • Clothes Dryer

Cost of a Home Warranty in Carmichael?

How much a home warranty plan costs is something that you must consider when purchasing a plan. We have done some thorough research to make sure you have an excellent understanding of what a home warranty in Carmichael will cost. The cost will vary depending on your coverage choices, the size of your home, and the service fee that you pick.

On average, home warranty premiums range from $30 to $80 per month and $60 to $150 for service fees. The exact amount depends on which plan you get and how much coverage it has. Selecting add-on coverage will also bring the price up. Homeowners who are looking for a deal can use this information to help find the best overall pricing.

Is a Home Warranty Worth It in Carmichael?

When shopping for a home warranty, there are some pros and cons to keep in mind. Being sure you read your contract thoroughly can help you get the best deal on a home warranty and one that suits your needs. Here are a few of the benefits that you can get from a home warranty:

  • Fast response times--When you file a claim, a customer service representative will usually respond within a short period of time and get a contractor to come quickly.
  • Workmanship guarantee--This ensures that in case the issue with your appliance or system isn't resolved the first time, the home warranty will keep assisting you with it.
  • Peace of mind--When something needs fixing in your home, you can spend a lot of time thinking about the cost of the repair. A home warranty will give you peace of mind about how much it'll cost.

And here are some of the potential cons of a home warranty:

  • Waiting period--You often will have to wait around 30 days before you can file a claim with your home warranty.
  • Coverage limit--Be sure to note the coverage limits in the home warranty contract. This will dictate the highest amount the home warranty will pay for a repair or replacement.
  • Exclusions--When you buy a home warranty policy, it will often have some exclusions written in the contract. For example, if an appliance is already covered under a manufacturer's warranty, it may not be included in the home warranty.

A home warranty policy can make your home more attractive to prospective buyers and help your home sell quicker. This is because you can transfer the plan to the new owners.

FAQ's for Home Warranties in Carmichael

What's the best home warranty company?

Our overall pick for the top home warranty provider in Carmichael is Choice Home Warranty. However, the right company for you depends on what coverage you need for the appliances and systems in your home.

Should I buy a home warranty now?

If you have new appliances that are already covered by a manufacturer's warranty, you may want to wait until that warranty expires before buying a home warranty. Home warranty companies don't cover appliances and systems that are already covered by a warranty.

What is usually covered under a home warranty?

A home warranty will cover the repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and often don't cover pre-existing conditions.

When can you use a home warranty after purchasing it?

Typically coverage for a home warranty starts 30 days after the payment receipt. 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.

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.

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