Written By David Cusick
Last Updated April 2024
With hot summers in Concord, your home systems can go through 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 give you the peace of mind you need and shield your bank account from unexpected expenses by covering your home’s major appliances and systems.
Finding the right protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Concord. Read on for our top provider recommendations.
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 offers the best overall home warranty for Concord residents. Choice has been on the market for about 15 years, making it a well-regarded company in the industry. The 2 policies that Choice offers include options for appliance and system coverage. When you buy a policy 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.
Choice Home Warranty offers 2 plans for Concord homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered system or appliance.
To get a free quote from Choice Home Warranty, you can 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 offers the most cost-effective home warranty for Concord residents. Select has been on the market for about 11 years, making it a well-regarded company in the industry. The 3 policies that Select offers include options for appliance and system coverage. When you buy a policy 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.
Select Home Warranty offers 3 plans for Concord 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. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 per covered system or appliance.
To get a free quote from Select Home Warranty, you can 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 offers the most customizable home warranty for Concord residents. AHS has been on the market for about 26 years, making it a well-regarded company in the industry. The 3 policies that AHS offers include options for appliance and system coverage. When you buy a policy 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.
American Home Shield offers 3 plans for Concord homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered system or appliance.
To get a free quote from American Home Shield, you can 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 offers the best home warranty for appliance coverage for Concord residents. First American has been on the market for about 39 years, making it a well-regarded company in the industry. The 2 policies that First American offers include options for appliance and system coverage. When you buy a policy 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.
First American Home Warranty offers 2 plans for Concord homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage limits come out to about $1,500 per covered system or appliance.
To get a free quote from First American Home Warranty, you can 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 offers the home warranty with the best workmanship guarantee for Concord residents. Cinch has been on the market for about 44 years, making it a well-regarded company in the industry. The 3 policies that Cinch offers include options for appliance and system coverage. When you buy a policy 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.
Cinch Home Services offers 3 plans for Concord 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. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 per covered system or appliance.
To get a free quote from Cinch Home Services, you can 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 offers the best home warranty with the quickest service for Concord residents. HSC has been on the market for about 15 years, making it a well-regarded company in the industry. The 2 policies that HSC offers include options for appliance and system coverage. When you buy a policy 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 Service Club offers 2 plans for Concord homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 per covered system or appliance.
To get a free quote from The Home Service Club, you can 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 | $7,726 |
Heating | $5,150 |
Electrical | $773 |
Toilets | $644 |
Washer/Dryer | $1,030 |
Plumbing | $773 |
Oven | $2,060 |
Fridge | $773 |
A home warranty is a protection plan that helps cut costs for Concord homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that stop working due to normal wear and tear.
Homeowners file 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 delivers security for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who own older homes or ones with aging systems. More modern homes with functional appliances probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include refrigerators, dishwashers, dryers, microwaves, washers, garbage disposals, and more. Included systems are normally heating, air conditioning, plumbing, and electrical. Many home warranty providers offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Most home warranty plans require Concord homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should learn key terms like:
When selecting a home warranty provider, there are several important factors to consider:
Home warranties have significant variation in what they include. Basic policies typically cover electrical, plumbing, heating, AC, and appliances, while more comprehensive options may also cover pools, spas, roof leaks, and well pumps. Look for companies with varied coverage options, including upgraded plans. This helps you customize your plan to your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a provider with more affordable fees to maximize savings on every claim. Some companies also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation can give you insight into things such as contractor quality, repair timeliness, approval rates, and customer service. Use review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Good ratings and feedback indicate a company known for exceptional service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Reach out to potential providers to ask how many repair specialists they have in Concord and get an idea of how fast your repairs could be handled in an emergency. Bigger networks increase the probability of getting qualified contractors to swiftly service your home.
Certain home warranty providers offer perks such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These bonuses can provide extra value beyond repair coverage. Added perks help improve your home and help maximize your home warranty.
Since temperatures in Concord can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
Not only can a home warranty provide some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a repair person and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most. Another added benefit of having a home warranty policy is that it can increase your home’s real estate 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 provider you purchased your home warranty through.
One disadvantage of buying a home warranty is that there are often exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it’s important to read over any contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Another drawback is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty in Concord can cost anywhere from $30 to $60 a month. The higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some providers will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of plan that protects an entire home from natural disasters, which might not be too much of a concern in Concord. It doesn't cover a typical appliance or system breakage.
First-time homebuyers, real estate agents, landlords, home sellers, and homeowners can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Concord include plans that cover either appliances or systems as well as combination plans. A combination plan will cover many of your home systems and appliances, such as your washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover only the specific items mentioned in the plan.
Home warranty plans generally last a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, however, the person who is selling the home may buy a home warranty plan 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 Concord is $760,231, a home warranty can save you some money when buying a home.