Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
As much as you may love owning a home in Cathedral City, there's always that fear about whether your systems and appliances are going to need to be replaced in the next few years. A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Finding the best home warranty on the market can be overwhelming, as there are lots of companies to decide between. That’s why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Cathedral City for you.
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 Cathedral City, Choice Home Warranty is the best overall home warranty. When you purchase a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage.
Choice Home Warranty offers 2 plans for Cathedral City homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000.
Read more by visiting our full review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 Cathedral City, Select Home Warranty is the most cost-effective home warranty. When you purchase a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
Select Home Warranty offers 3 plans for Cathedral City homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000.
Read more by visiting our full review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
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 Cathedral City, American Home Shield is the most customizable home warranty. When you purchase a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
American Home Shield offers 3 plans for Cathedral City homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500.
Read more by visiting our full review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
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 Cathedral City, First American Home Warranty is the best home warranty for appliance coverage. When you purchase a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage.
First American Home Warranty offers 2 plans for Cathedral City homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500.
Read more by visiting our full review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 Cathedral City, Cinch Home Services is the home warranty with the best workmanship guarantee. When you purchase a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
Cinch Home Services offers 3 plans for Cathedral City homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000.
Read more by visiting our full review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
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 Cathedral City, The Home Service Club is the best home warranty with the quickest service. When you purchase a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage.
The Home Service Club offers 2 plans for Cathedral City homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000.
Read more by visiting our full review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
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 | $6,441 |
| Heating | $4,294 |
| Electrical | $644 |
| Toilets | $537 |
| Washer/Dryer | $859 |
| Plumbing | $644 |
| Oven | $1,718 |
| Fridge | $644 |
A home warranty is a protection plan that helps cut costs for Cathedral City homeowners needing appliance and system repairs. These plans provide coverage to repair or replace 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 provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who own older homes or ones with outdated systems. Newer homes with functional appliances probably don’t require a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as refrigerators, washers, garbage disposals, microwaves, dryers, dishwashers, and more. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty companies also offer additional coverage for septic systems, central vacuums, roof leaks, and locksmiths. Cathedral City homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or improperly using a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
There are several important considerations when choosing a home warranty provider:
Home warranty coverage varies, although most plans provide coverage for AC, electrical, plumbing, heating, and appliances. More extensive plans may also provide protection for extra things such as spas, roof leaks, well pumps, and pools. Look for a provider that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which is paid per claim you submit. These per-claim charges can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Check review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about companies. Favorable reviews and ratings suggest a company known for providing quality service.
Home warranty providers keep networks of technicians to handle covered repairs. Bigger networks raise the probability of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Cathedral City to get a sense of how quickly your repairs could happen in an emergency.
Some home warranty providers include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can provide extra value beyond just repair coverage. Extra bonuses let you enhance your home and get the most from your warranty policy.
Home warranties are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Cathedral City hitting an average high of 79℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can remarkably lower out-of-pocket expenses should your HVAC system stop working.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of having to vet contractors on your own, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Another added benefit of having home warranty coverage is that it can increase your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
As for the negatives of home warranties, coverage varies by company, so it’s important to review what each plan covers and doesn’t include in the contract.
Another pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your claims being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Cathedral City can cost between $30 and $60 a month. The higher-priced plans tend to have a lower service fee, broader coverage, and higher coverage limits. Home warranties are often cheaper when you pay 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 plan helps protect against normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in case of a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim if you need a new dryer or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Cathedral City.
Homebuyers, home sellers, homeowners, real estate agents, and landlords are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Cathedral City include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover many of your home systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the policy.
Home warranty plans usually provide coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month options as well.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, though, the home seller may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Cathedral City is $737,325, a home warranty can save you some money when buying a home.
