5 Best Home Warranty Companies In Fair Oaks, CA
Looking for the right home warranty in Fair Oaks? Our guide can help.
If you're lucky enough to call Fair Oaks home, you are surely aware of the difficulty of homeownership. With the cost of living increasing, needing to repair or replace your appliances can really put a lot of stress on you.
Compare the Best Home Warranty Companies in Fair Oaks
Fair Oaks has access to so many home warranty companies to pick from. We took into consideration everything from coverage options to pricing to time on the market to decide on the top home warranty plans in Fair Oaks. Here is how the top ones in the Fair Oaks 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 Fair Oaks
- 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
Fair Oaks'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
Choice Home Warranty is a great option for homeowners who need the best overall in Fair Oaks. Choice has 2 simple plans, making the selection process quick and easy. The home warranty plans from Choice Home Warranty include Basic Plan and Total Plan.
The coverage caps associated with Choice's plans are close to the $3,000 mark for most major appliances and systems, and service fees are $85. Choice is known as a company with high coverage caps and a contract that's easy to understand.
| 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 is a great choice for homeowners who want the most customizable in Fair Oaks. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage. Its plans are ShieldSilver, ShieldGold, and ShieldPlatinum.
The coverage caps associated with AHS's plans are close to the $2,500 mark for most of the major home systems and appliances, and service fees range from $70 to $125. When you purchase a plan from AHS, you will get 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 Fair Oaks, Select Home Warranty offers the most cost-effective home warranty option. The 3 plans from Select are comprehensive and offer a mix of both system and appliance coverage. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options the company has, and it also offers add-on coverage.
The coverage caps associated with Select's plans are around the $2,000 mark for most major home systems and appliances, and service fees are $80. When you have a home warranty from Select, you can enjoy 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 is a great option for homeowners who'd like the best appliance in Fair Oaks. First American has 2 simple plans, making the selection process easy. Homeowners can choose between First American Home Warranty's Basic Plan and Premier Plan and also add-on coverage.
First American's service fees are $85, and the coverage limits come out to about $1,500 per covered appliance or system. 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 |
- Pros:
- Offers home insurance deductible of $500
- Extra long 180-day workmanship guarantee
- Offers free cancellation in the first 30 days
Cinch Home Services is a great option for homeowners who need the best workmanship guarantee in Fair Oaks. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible. The plans that Cinch offers to homeowners are 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 with some plans, the coverage caps can be higher, so it's a good idea to verify with the company. Service fees range from $75 to $150. Additionally, Cinch offers 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 Fair Oaks?
Now that you know which home warranty providers are the best in Fair Oaks, you may be wondering what their plans usually cover. With a home warranty in Fair Oaks, you can rest assured that a broken HVAC or dishwasher should only cost you a service fee. Some home warranty plans will have system and appliance coverage, and others will have one or the other. Most Fair Oaks homeowners prefer a combination of coverage to ensure all needs are met.
Some of the most common systems covered under a home warranty in Fair Oaks are:
- HVAC (heating and air conditioning)
- Electrical system
- Water heater
- Plumbing system
Common appliances covered under Fair Oaks home warranties include:
- Oven / Range / Stove
- Cooktop
- Built-in Microwave
- Clothes Washer
- Dishwasher
- Clothes Dryer
- Refrigerator
Cost of a Home Warranty in Fair Oaks?
Fair Oaks homeowners that are concerned about the costs should have a general idea as to what home warranties cost on average. The costs associated with a home warranty will vary based on the size of the home and the coverages that you pick.
Premiums can be from $30 to $80 a month and service fees can be between $60 and $150 per technician visit. How much it'll cost for sure depends on the plan's coverage. What will also determine the overall cost is the add-on coverage you choose. Those who are shopping for a deal can use these numbers to help find the best overall pricing on the market.
Is a Home Warranty Worth It in Fair Oaks?
When looking for a home warranty, there are some pros and cons to bear in mind. Making sure you read the contract carefully can help you get the most savings from a home warranty and one that fits your needs. Here are a few of the benefits that you can get from a home warranty:
- Quality contractors--Home warranty companies have connections to high-quality contractors. These contractors are required to undergo testing and screening to ensure they are a good fit for your home.
- Fast response times--When you request service, a customer service representative will usually answer you within a 24 to 48-hour period and schedule the repair soon.
- Workmanship guarantee--After getting a repair, if the issue comes back within the guarantee period, the home warranty will step in once again to help. The guarantee period is usually between 30 and 90 days.
- Peace of mind--If you are continually concerned about the next repair that'll come up regarding your home systems and appliances, a home warranty can help you give you some peace of mind.
There are also a few cons of home warranties, including:
- Waiting period--If you want to submit a claim right away, that generally isn't possible. Most home warranties have you wait 30 days before you can request a repair.
- Coverage limit--The coverage limit determines how much your home warranty policy will cover for a repair or replacement. If you have to get a repair that is more than this amount, you will have to cover the rest out of pocket.
- Exclusions--Bear in mind that home warranty contracts generally mention exclusions, such as intentional damage or pre-existing conditions.
If you're new to the area and don't know any local contractors, getting a home warranty could be beneficial since it will find and send contractors to you.
FAQ's for Home Warranties in Fair Oaks
What's the best home warranty company?
Our overall pick for the top home warranty in Fair Oaks is Choice Home Warranty. However, the best company for you depends on what coverage you need for the appliances and systems in your home.
How does a home warranty work?
After you get a home warranty plan and an appliance or system fails, you need to file a claim. The home warranty provider will send a repair technician to your home to evaluate the situation and fix the problem. Then, you will pay a service fee and the home warranty will cover the rest of the cost, as long as it is under the coverage cap.
What is commonly covered under a Fair Oaks home warranty?
A home warranty plan will cover the repair and replacement costs for your home systems and appliances. Home warranties will not cover the intentional damage or pre-existing conditions.
Is it a good idea to buy a home warranty?
Many homeowners think a home warranty is a good investment because it can help protect against unforeseen large expenses. When you need to fix an appliance or system in your home, you'd just have to pay the service fee, which can give you some financial 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.