5 Best Home Warranty Companies In Citrus, CA
Our guide on the top home warranty policies in Citrus can help you find the right one for your home.
Owning a home in Citrus can be an exciting experience, but it also comes with its challenges. With the cost of living going up, having to repair or replace your appliances can really eat into your budget.
Compare the Best Home Warranty Companies in Citrus
There are more than sixty home warranty providers in the Citrus area. Finding a home warranty policy that is a good fit for your home can be a bit of a challenge. Luckily we have assessed things like coverage choices, pricing, service fees, customer service reviews, and more for each company to help you decide. This is how the top providers in Citrus 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 Citrus
- Choice Home Warranty: Best Overall
- American Home Shield: Most Customizable
- Select Home Warranty: Most Cost-Effective
- First American Home Warranty: Best Appliance
- Cinch Home Services: Best Workmanship Guarantee
Citrus's Top Home Warranty Companies'
- Pros:
- Over 10 years of experience
- 24/7 customer service team
- Home inspections aren’t required
- 90-day repair guarantee
In Citrus, Choice Home Warranty offers the best overall home warranty . The 2 plans from Choice are easy to comprehend and offer a mix of both system and appliance coverage. Its plans are Basic Plan and Total Plan.
Service fees from Choice are $85. The coverage caps are also typically about $3,000. If you're looking for high coverage caps and a contract that's easy to understand, this is the plan 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 |
- 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 offers the most customizable home warranty in Citrus. AHS has 3 simple plans, making the selection process quick and easy. The ShieldSilver, ShieldGold, and ShieldPlatinum are the names of the company's plans, and it also has add-ons.
AHS's service fees range from $70 to $125, and the coverage limits come out to about $2,500 per covered system or appliance. When you have a home warranty from AHS, you can benefit from 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 |
- 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 Citrus, Select Home Warranty is the most cost-effective home warranty plan. The 3 plans that Select has include options for appliance and system coverage. The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.
Select's service fees are $80, and the coverage caps come out to around $2,000 per system or appliance. When you buy a plan from Select, you will get 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 |
- 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 in Citrus. First American offers 2 plans for homeowners to decide between, which have a combination of system and appliance coverage. The plans that First American offers to homeowners are Basic Plan and Premier Plan.
First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so it's a good idea to check with the provider. Service fees are $85. If you're looking for 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 |
- 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 for Citrus residents. The 3 home warranty plans that Cinch offers include options for appliance and system coverage. Its plans include Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
Cinch has coverage caps of around $1,000-$2,000 for most systems and appliances, but some plans may have different coverage caps, so it's important to verify with the provider. Service fees range from $75 to $150. When you buy a home warranty from Cinch, you can look forward to 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 |
What does a Home Warranty Cover in Citrus?
Now that you have a better idea of which home warranty companies are the best ones in Citrus, you may have questions about what these plans usually cover. With a home warranty in Citrus, you can relax knowing that a broken septic system or dishwasher will only cost you the price of a service fee. Some home warranty policies will have system and appliance coverage, and others will have one or the other. Most Citrus homeowners prefer a combination of coverage to ensure all needs are met.
Here are the common systems covered under a home warranty:
- Electrical system
- Water heater
- Plumbing system including stoppages
- HVAC (heating and air conditioning)
- Garbage disposal
- HVAC ductwork
- Ceiling and exhaust fans
The appliances commonly covered are ones like:
- Refrigerator
- Cooktop
- Clothes Washer
- Built-in Microwave
- Clothes Dryer
- Dishwasher
- Oven / Range / Stove
Cost of a Home Warranty in Citrus?
The overall reason to have a home warranty plan is to save you money. The policy you purchase needs to stick to your budget so it can benefit you financially. The home warranty costs for Citrus residents depends on the size or type of the home, as well as the kind of coverage you want.
Premiums can cost from $30 to $80 per month and service fees can be between $60 and $150 per contractor visit. How much it'll cost for sure is based on the plan's coverage. Picking add-ons will also bring the price you have to pay up. 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 Citrus?
When searching for a home warranty, there are some pros and cons you should bear in mind. Being sure you read your contract carefully can help you get the most savings from a home warranty and one that suits your needs. Here are a few of the benefits that you can get from a home warranty:
- Peace of mind--If you are worried about your budget 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--After getting a repair, if the issue returns within the guarantee period, the home warranty will help you with it again. The guarantee period is typically between 30 and 90 days.
- Fast response times--It can be a challenge to get a repairperson you found on your own to promise you a speedy response. A home warranty provider typically assures service within a specific period of time, letting homeowners get the repair done quickly and move on.
Home warranty companies can help you save money, but you should also keep the following in mind when you have a home warranty:
- Coverage cap--If you need an expensive replacement for an appliance or system, your home warranty plan may only pay for a portion of the cost, since they usually come with coverage caps.
- Exclusions--When you purchase a home warranty, it will usually have some exclusions in the contract. For instance, if an appliance is already covered by a warranty from the manufacturer, it may not be covered by the home warranty.
- Waiting period--If you want to submit a claim right away, that usually isn't possible. Most home warranties have you wait 30 days before you can request service.
A home warranty can also have value in different ways. Namely, some home warranties can be transferred between owners when selling your property.
FAQ's for Home Warranties in Citrus
Which home warranty should I choose?
The top home warranty provider in Citrus is Choice Home Warranty. Choice Home Warranty offers good customer service and an expansive network of experienced service technicians in the area.
What's the purpose of a home warranty?
A home warranty is a type of contract that can help save you money on repairing and replacing your major home systems and appliances if they fail unexpectedly.
How is a home warranty different from homeowners insurance?
A home warranty helps protect against the normal wear and tear of systems and appliances in a home. A homeowners insurance plan protects a home in case of a situation like a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim should you need a new washing machine or stove, unless the damage is a result of a natural disaster.
Are home warranties worth it?
When a system or appliance breaks down, fixing it can leave you with a sudden large expense. With a home warranty policy, you'd just have to pay a reasonable service fee for the repair, which can save you money and provide 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.