Written By David Cusick
Last Updated February 2024
With a variety of seasons in Chowchilla, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your air conditioning go out in the middle of summer. A home warranty can bring you the peace of mind you need and safeguard your savings account from large expenses by covering your home’s major appliances and systems.
The home warranty market is filled with many providers — all with different plans — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Chowchilla.
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 Chowchilla residents. Choice is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information on this provider, read our full 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 Chowchilla residents. Select is a home warranty provider with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For more information on this provider, read our full 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 Chowchilla residents. AHS is a home warranty provider with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For more information on this provider, read our full 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 Chowchilla residents. First American is a home warranty provider with 39 years of experience in the industry, and it has proved to be one of the best providers in the business. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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 2 policies that First American offers include differing levels of system and appliance coverage, as well as add-on options.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For more information on this provider, read our full 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 Chowchilla residents. Cinch is a home warranty provider with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For more information on this provider, read our full 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 Chowchilla residents. HSC is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The Home Service Club has 2 plans that offer a mix of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For more information on this provider, read our full 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 | $6,161 |
Heating | $4,108 |
Electrical | $616 |
Toilets | $513 |
Washer/Dryer | $822 |
Plumbing | $616 |
Oven | $1,643 |
Fridge | $616 |
A home warranty is a protection policy that assists Chowchilla homeowners in lowering the costs of appliance and system repairs. The plans provide financial coverage to replace or fix appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives security for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who live in older homes or ones with outdated systems. More modern homes with working fixtures probably don’t need a home warranty.
Home warranties help protect both your home systems and appliances. Common covered appliances include washers, dishwashers, refrigerators, microwaves, dryers, garbage disposals, and more. Covered systems include heating, electrical, plumbing, and air conditioning. Many home warranties offer additional add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. Chowchilla homeowners should 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 due to normal wear and tear. Home warranties don't cover things like natural disasters, pre-existing conditions, cosmetic issues, or damage caused by improperly using a system or appliance. You need to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by your policy.
There are several home warranty terms to learn before signing an agreement, including:
There are several important considerations when choosing a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically provide protection for plumbing, electrical, AC, heating, and appliances, while more comprehensive options may also cover pools, well pumps, spas, and roof leaks. Look for companies with varied coverage options, including upgraded plans. This allows you to customize your plan to your home's needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per repair request filed. The per-request costs can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's reputation gives insight into things such as approval rates, repair timeliness, contractor quality, and customer service. Browse review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and feedback indicate a company known for exceptional service.
Home warranty businesses maintain networks of local contractors to handle repairs in your area. Reach out to potential providers to ask how many repair technicians they have in Chowchilla and get an idea for how fast your repairs might happen in an emergency situation. Wider networks improve the probability of getting qualified contractors to quickly service your home.
Home warranty companies may offer perks such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These add value beyond just repair coverage. Added perks can maximize the usefulness of the home warranty.
Home warranty policies are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Chowchilla reaching an average high of 68℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can significantly decrease out-of-pocket costs should your HVAC system break down.
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 by yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Plus, though home warranty companies vary, some providers will let you transfer your warranty in the event that you sell your home. This can make your house more attractive to potential homebuyers and help your home sell faster.
One of the main drawbacks of home warranties is not everything may be covered. It’s important to compare the different policies and sign up for one that covers all the appliances, systems, and add-ons you need.
Another downside is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if your house floods, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty in Chowchilla can cost between $30 and $60 a month. The higher-priced plans usually have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty policies cover problems related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different insurance that protects an entire home from natural disasters, which might not be too much of a concern in Chowchilla. It doesn't cover a normal appliance or system repairs.
First-time homebuyers, homeowners, home sellers, landlords, and real estate agents can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Chowchilla include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your systems and appliances, such as your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the specific items listed in the contract.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Usually the homeowner is responsible for paying 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 need to pay the service fees when using the policy. Considering that the average home value in Chowchilla is $366,071, a home warranty can save you some money when buying a home.