6 Best Home Warranty Companies In Chico, CA

We've analyzed the top home warranty providers in Chico so you can choose the right one for your home easily.

If you're lucky enough to own a home in Chico, you are likely aware of the difficulty of homeownership. With the cost of living rising, needing to repair or replace your appliances can really take a toll on your bank account.

Compare the Best Home Warranty Companies in Chico

Chico has access to plenty of home warranty plans. At Review Home Warranties, we took a look at all of these home warranties and compared factors such as BBB ratings, monthly costs, time on the market, coverage options, and more to help you choose. Here's how the top ones in the Chico area 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 Chico

  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

Chico'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 Chico homeowners. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. The plans that Choice offers to homeowners are Basic Plan and Total Plan.

Service fees from Choice are $85. The coverage caps are also typically about $3,000. If you'd like high coverage caps and a contract that's easy to understand, Choice 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

For homeowners who want the most customizable in Chico, homeowners should consider choosing American Home Shield. AHS offers 3 plans for homeowners to decide between, which have a mix of appliance and system coverage. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options the company has, and it also has add-on coverage.

The coverage caps for AHS's plans are close to the $2,500 mark for many of the major systems and appliances, and service fees range from $70 to $125. When you have a home warranty from AHS, you can enjoy 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

Select Home Warranty is the best option for homeowners who want the most cost-effective in Chico. The 3 plans that Select offers include options for appliance and system coverage. The home warranty plans from Select Home Warranty include Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.

Service fees from Select are $80. The coverage caps are also generally around $2,000 for most systems and appliances. When you buy a plan 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

Cinch Home Services offers the best workmanship guarantee home warranty in Chico. The 3 plans that Cinch has include options for appliance and system coverage. The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan.

Cinch's service fees range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 per covered system or appliance. With a home warranty from Cinch, you can benefit from 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 is a great choice for homeowners who'd like the best quick service in Chico. The 2 plans from HSC are easily comprehensible and offer both system and appliance coverage. Homeowners can choose between The Home Service Club's Standard Coverage Plan and Comprehensive Coverage Plan and also add-ons.

Service fees from HSC are $60, $75, or $95, depending on the plan you choose. The coverage caps are also about $2,000. When you purchase a home warranty from HSC, you can look forward to 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

For homeowners who'd like the best appliance in Chico, First American Home Warranty is a great option. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. The home warranty plans from First American Home Warranty include Basic Plan and Premier Plan.

The coverage caps associated with First American's plans are close to the $1,500 mark for many major appliances and systems, and service fees are $85. With a home warranty from First American, you can enjoy 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.

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 Chico?

Now that you know which home warranty providers are the best ones in Chico, you may have questions about what their plans generally cover. The home warranty is designed to help reduce the expenses of repairing and replacing your systems and appliances such as your microwave or HVAC. If your property has a pool and spa, this is something to take into consideration as well.

There are several home systems that are usually covered under a home warranty, including:

  • Plumbing system
  • Electrical system
  • HVAC (heating and air conditioning)
  • Water heater

As for appliances, the common ones covered are

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

Cost of a Home Warranty in Chico?

How much a home warranty plan costs is something that you should keep in mind when choosing a plan. Our team has done some exhaustive research to ensure that you have a good grasp of what a home warranty in Chico will cost. The size of your home, as well as the coverage, service fee, and any add-ons you get all influence the price.

On average, home warranty premiums range from $30 to $80 a month and $60 to $150 for service fees. The exact amount varies based on which plan you get and how much coverage it has. Add-on coverage will also affect the total price. Homeowners who are looking for a deal can use these numbers to help find the best overall pricing.

Is a Home Warranty Worth It in Chico?

A home warranty in Chico can bring about quite a few benefits for homeowners. When an expensive HVAC repair could have cost a thousand or more to fix, your home warranty will usually only require you to pay the service fee. But on the other hand, there are also some potential downsides you should consider when looking for a home warranty. Let's take a look at some benefits of having this home warranty in place first:

  • Peace of mind--If you are worried about your expenses and being able to afford an expensive repair or replacement, a home warranty can help with that. Home warranties are designed to give homeowners peace of mind.
  • Workmanship guarantee--Many home warranty providers offer a workmanship guarantee. This makes sure that the home warranty company will continue to help if the issue isn't fixed the first time.
  • Fast response times--Without a home warranty, you may have to wait a long time for a technician to come assist you. But you can typically get service within a 24-48 hour window with a home warranty.

The potential disadvantages of a home warranty are also important to know about. Here are a few of them:

  • Choosing a contractor--You may not have the ability to choose your own contractor depending on which home warranty company you choose to go with.
  • Waiting period--Most home warranty companies have you wait 30 days before you can file a claim.

The average cost of a drain pipe is around $560, so a home warranty can save you from having to pay for it upfront when an issue arises.

FAQ's for Home Warranties in Chico

Which home warranty company is the best?

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

When can I purchase a home warranty?

If you have new appliances that are already covered by a manufacturer's warranty, you may want to buy a home warranty after that one expires. Home warranty providers will only cover appliances and systems that aren't already covered by a warranty.

How do you use a home warranty?

When a home system or appliance needs repairs, you can use your home warranty. First, you file a claim, which you can do via phone or online. Then, the home warranty company will send a technician to your home and you will pay a service fee once the issue has been resolved.

Is a home warranty necessary?

When a system or appliance breaks down, fixing it can leave you with a large expense you weren't expecting. With a home warranty policy, you'd only have to pay a reasonable service fee for the repair, which can save you money and give you some peace of mind.

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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