Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
With hot summers in Daly City, 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 safeguard your savings account from large expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be difficult, as there are so many companies to decide between. That’s why our team at Today's Homeowner did the research and made a list of the best home warranty companies in Daly City 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 offers the best overall home warranty for Daly City residents. Choice has more than 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Choice has 2 simple plans, making the selection process easy. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000 at the maximum.
Read more by visiting our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
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 Daly City residents. Select has more than 11 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Select has 3 simple plans, making the selection process easy. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000 at the maximum.
Read more by visiting our review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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 Daly City residents. AHS has more than 26 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. AHS has 3 simple plans, making the selection process easy. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500 at the maximum.
Read more by visiting our review of American Home Shield. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 Daly City residents. First American has more than 39 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. First American has 2 simple plans, making the selection process easy. First American offers very affordable and comprehensive appliance coverage. Plus, 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally about $1,500 at the maximum.
Read more by visiting our review of First American Home Warranty. To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
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 Daly City residents. Cinch has more than 44 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Cinch has 3 simple plans, making the selection process easy. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally about $1,000-$2,000 at the maximum.
Read more by visiting our review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
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 Daly City residents. HSC has more than 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. HSC has 2 simple plans, making the selection process easy. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally about $2,000 at the maximum.
Read more by visiting our review of The Home Service Club. To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
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 | $8,008 |
| Heating | $5,339 |
| Electrical | $801 |
| Toilets | $667 |
| Washer/Dryer | $1,068 |
| Plumbing | $801 |
| Oven | $2,135 |
| Fridge | $801 |
A home warranty is a protection plan that helps lower expenses for Daly City homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that stop working due to normal wear and tear.
Homeowners submit 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 exceed the item's coverage limit. A home warranty plan gives homeowners a sense of security since it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as dishwashers, refrigerators, washers, garbage disposals, dryers, microwaves, and more. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranty providers also offer additional coverage for roof leaks, central vacuums, septic systems, and locksmiths. It's important for Daly City homeowners to know that most home warranty policies have a 30-day period you must wait 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 problems such as cosmetic issues, natural disasters, pre-existing conditions, or improper use of a system or appliance. It's important 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 know before signing an agreement, including:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty policies differ significantly in terms of coverage. Most plans provide protection for heating, AC, electrical, plumbing, and appliances. More inclusive options also extend protection to other items such as pools, well pumps, spas, and roof leaks. Focus on providers with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize your plan to meet your home's needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per claim you submit. These per-claim charges can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty provider's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies maintain networks of professionals to handle covered repairs. Wider networks improve the likelihood of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Daly City to get a sense of how soon your repairs could be handled in an emergency.
Certain home warranty companies include perks such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These bonuses offer extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Home warranties are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Daly City reaching an average high of 65℃F, you may find that some appliances, such as your air conditioning unit, 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 money on repairs and replacements, it saves you time too. Instead of needing to vet technicians by yourself, home warranty providers do the work for you and send a contractor from their network 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 main drawback 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.
Also, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty policy costs, on average, around $300 to $600 a year in Daly City. 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. Additionally, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover issues with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects the entire home from natural disasters, which might not be too much of a concern in Daly City. It doesn't cover a normal appliance or system repairs.
A home warranty plan can help homeowners, homebuyers, real estate agents, investors, and home sellers. It can provide peace of mind to anyone involved in homeownership.
The different home warranties in Daly City include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover almost all your systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items listed in the contract.
Generally, a home warranty lasts for a year and can be renewed yearly. Some providers may offer month-to-month options.
Usually the one who owns the home pays for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Daly City is $1,185,688, a home warranty can save you some money when buying a home.
