5 Best Home Warranty Companies In Folsom, CA
Looking for the best home warranty provider for your home in Folsom? We've got you covered.
Folsom is a wonderful area in the state of California to own a home. Moving into a new home is only the beginning, however. You still have to maintain it, which can put a dent in your bank account. With the cost of living rising, needing to repair or replace your appliances can really eat into your budget.
Compare the Best Home Warranty Companies in Folsom
There are several policies that need to be analyzed for us to compile our guide of the top home warranty plans in Folsom. At Review Home Warranties, we considered each of these providers and ranked them based on the policy's features. The workmanship guarantee, customer service reviews, monthly costs, years in the industry, and service fees were all reviewed to find the best plans in the Folsom area. These are the rankings for the top home warranty providers in the Folsom area.
| 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 Folsom
- 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
Folsom'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 Folsom, Choice Home Warranty offers the best overall home warranty . Choice has 2 simple plans, making the selection process quick and easy. The plans that Choice offers to homeowners are Basic Plan and Total Plan.
The coverage caps for Choice's plans are around the $3,000 mark for most major systems and appliances, and service fees are $85. Additionally, Choice has 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 offers the most customizable home warranty option for Folsom homeowners. AHS offers 3 plans for you to choose from, which have a combination of appliance and system coverage. Homeowners can choose between American Home Shield's ShieldSilver, ShieldGold, and ShieldPlatinum and also add-on options.
The coverage caps from AHS are around $2,500. The service fees range from $70 to $125, which is fairly affordable. AHS has established itself as a provider with 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
Select Home Warranty is the most cost-effective home warranty in Folsom. Select has 3 plans for homeowners to decide between, which have a mix of system and appliance coverage. Homeowners can choose between Select Home Warranty's Bronze Care Plan, Gold Care Plan, and Platinum Care Plan and also add-ons.
Select's service fees are $80, and the coverage limits come out to about $2,000 per covered appliance or system. When you have a home warranty from Select, you can benefit from 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 has the best appliance home warranty in Folsom. The 2 policies that First American offers include options for appliance and system coverage. The Basic Plan and Premier Plan are the options the company has, and it also offers add-on options.
Service fees from First American are $85. The coverage caps are also generally around $1,500 for most systems and appliances. Plus, First American offers 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 the best option for homeowners who'd like the best workmanship guarantee in Folsom. The 3 home warranty plans that Cinch has include differing levels of system and appliance coverage, as well as add-on options. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options the company has, and it also has add-on coverage.
Cinch's service fees range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 for each covered appliance or system. Cinch is known as a provider with 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 Folsom?
A home warranty will assist you with systems and appliances in your home that experience damage because of normal wear. When you have an issue with a home system or appliance that has to be repaired or replaced due to normal wear and tear, the home warranty will step in and help pay for it. Each individual covered appliance or system in your policy will have its own details about the coverage.
There are many home systems that are commonly covered under a home warranty, like:
- Water heater
- Plumbing system
- Electrical system
- HVAC (heating and air conditioning)
The appliances commonly covered are ones like:
- Clothes Dryer
- Refrigerator
- Oven / Range / Stove
- Built-in Microwave
- Cooktop
- Clothes Washer
- Dishwasher
Cost of a Home Warranty in Folsom?
At Review Home Warranties, we have done comprehensive research to figure out the average costs of a home warranty plan in Folsom. The home warranty costs for Folsom residents depends on the size or type of the home, as well as the coverage you want.
The service fees that home warranty companies have range from $60-$150 and monthly premiums $30-$80, depending on the coverage you pick. Plus, if you choose any add-ons, that will affect the cost. When looking for a home warranty, keeping these figures in mind can help you pick the right plan for your budget.
Is a Home Warranty Worth It in Folsom?
A home warranty in Folsom can bring about quite a few benefits for homeowners. When an expensive repair could have cost $1500 to fix, your home warranty will often only have you paying the service fee. However, there are also some potential drawbacks you should consider when looking for a home warranty. Let's give an overview of some benefits of having this home warranty first:
- Quality contractors--There are many challenges that come hand in hand with an appliance or system failing, and one of them is finding a contractor. Your home warranty can handle this for you, which takes that off your plate.
- Workmanship guarantee--After getting a repair, if the problem comes back within the guarantee period, the home warranty will help you with it again. The guarantee period is typically between 30 and 90 days.
- Peace of mind--If you are constantly worrying about the next expense that'll come up regarding your home systems and appliances, a home warranty can help you give you some peace of mind.
- Fast response times--When you don't have a home warranty, you may have to wait several weeks for a contractor to come do the repair. But you can often get service within a 24-48 hour period with a home warranty.
Home warranty policies can help you save money, but you must also keep the following in mind when planning on getting a home warranty:
- Coverage limit--The coverage limit determines how much your home warranty will pay for a repair or replacement. If you need a replacement that goes over this amount, you will have to cover the rest yourself.
- Exclusions--Keep in mind that home warranty contracts typically have exclusions, such as pre-existing conditions or intentional damage.
- Waiting period--If you want to file a claim right after buying the home warranty policy, that generally isn't possible. Most home warranties have you wait 30 days before you can request a repair.
The average cost of an air conditioner repair is about $370, so a home warranty can save you from having to pay for it yourself when a problem comes up.
FAQ's for Home Warranties in Folsom
What's the best home warranty company?
The best home warranty company in Folsom is Choice Home Warranty. Choice Home Warranty offers good customer service and an expansive network of professional service technicians in the area.
What's the purpose of a home warranty?
A home warranty is a type of service contract that can help save you money on the repairs and replacements of your major home systems and appliances if they break down unexpectedly.
Should I buy a home warranty now?
If you have new appliances that are already covered by a manufacturer's warranty, you may want to get a home warranty after that one expires. Home warranty providers will only cover appliances and systems that aren't already covered by a warranty.
When can you use a home warranty after purchasing it?
Most home warranty policies have a 30-day waiting period before you can make service requests, but some may allow you to file sooner. Make sure you inquire about this if quicker coverage is a concern for you.
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.