Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
There are a lot of advantages of owning a home, but as your Ceres home gets older, you may need to update your systems and appliances. A home warranty plan can help protect homeowners by lowering the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be overwhelming, since there are dozens of companies to choose from. That’s why our team at Today's Homeowner did the research and compiled a list of the top home warranty companies in Ceres 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
Choice Home Warranty is the best overall home warranty for Ceres residents. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit 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 Ceres residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit 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 Ceres residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit 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 Ceres residents. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, it 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for many of the major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit 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 Ceres residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit 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 Ceres residents. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit 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 | $6,530 |
| Heating | $4,353 |
| Electrical | $653 |
| Toilets | $544 |
| Washer/Dryer | $871 |
| Plumbing | $653 |
| Oven | $1,741 |
| Fridge | $653 |
A home warranty is a protection policy that helps Ceres homeowners reduce the expenses of appliance and system repairs. The plans provide coverage to repair or swap out appliances and systems that stop working due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners peace of mind since it can help avoid costly emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are microwaves, garbage disposals, dishwashers, washers, refrigerators, dryers, and more. Covered systems are usually air conditioning, plumbing, electrical, and heating. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. It's important for Ceres homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as natural disasters, cosmetic issues, pre-existing conditions, or damage caused by improperly using a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Here are some key home warranty terms to understand before signing a contract:
There are several important considerations when selecting a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic policies typically include heating, plumbing, electrical, AC, and appliances, while more comprehensive plans may also cover spas, well pumps, pools, and roof leaks. Look for companies with flexible coverage choices, including upgraded plans. This allows you to tailor protection to your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a company with more affordable fees to maximize savings. Some providers also do away with deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Check review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about providers. Good ratings and feedback suggest a company known for delivering quality service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. Larger networks increase the chance of getting qualified contractors to your home promptly. Contact possible providers to find out how many repair professionals they have in Ceres to understand how long repairs might take in an urgent situation.
Home warranty providers often offer bonuses such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These can add value beyond basic repair coverage. Additional perks maximize the usefulness of your home warranty.
Since temperatures in Ceres can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Having a home warranty plan can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of having to vet technicians on your own, home warranty providers do the work for you and send a contractor from their network 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 house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
One main drawback of a home warranty is not every home system and appliance may be covered. It’s important to compare the different plans and select one that covers all the appliances, systems, and add-ons you need.
Another pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your claims being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty policy costs, on average, about $300 to $600 a year in Ceres. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan protects against normal wear and tear to home systems and appliances. Homeowners insurance protects the entire home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new dryer or stove, unless the damage is due to a natural disaster, which is somewhat common in Ceres.
A home warranty policy can help homeowners, home sellers, investors, real estate agents, and homebuyers. It can provide peace of mind and savings to anyone involved in homeownership.
A home warranty plan will cover your 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 a good idea if you want to save some money.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some providers may offer month-to-month options.
Typically, the person who owns the home pays for the home warranty. In some cases, however, the home seller may buy a home warranty plan 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 Ceres is $434,232, a home warranty can be an added asset when buying a home.
