Written By David Cusick
Last Updated February 2024
Buying a home is a big step for many, but the cost of maintaining it can get expensive over time, especially if your home in Grass Valley is on the older side. A home warranty in Grass Valley can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
The home warranty market is filled with a variety of providers — all with different coverage — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Grass Valley.
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
In Grass Valley, Choice Home Warranty offers the best overall home warranty. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Grass Valley homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered system or appliance.
For a more detailed breakdown, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
In Grass Valley, Select Home Warranty offers the most cost-effective home warranty. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it 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 Grass Valley homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered system or appliance.
For a more detailed breakdown, read our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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
In Grass Valley, American Home Shield offers the most customizable home warranty. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Grass Valley homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have 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 around $2,500 per covered system or appliance.
For a more detailed breakdown, read our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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
In Grass Valley, First American Home Warranty offers the best home warranty for appliance coverage. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. Plus, it 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 Grass Valley homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage limits come out to around $1,500 per covered system or appliance.
For a more detailed breakdown, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 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
In Grass Valley, Cinch Home Services offers the home warranty with the best workmanship guarantee. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Grass Valley homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have 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 around $1,000-$2,000 per covered system or appliance.
For a more detailed breakdown, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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
In Grass Valley, The Home Service Club offers the best home warranty with the quickest service. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it 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 Grass Valley homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have 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 around $2,000 per covered system or appliance.
For a more detailed breakdown, read our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,802 |
Heating | $4,535 |
Electrical | $680 |
Toilets | $567 |
Washer/Dryer | $907 |
Plumbing | $680 |
Oven | $1,814 |
Fridge | $680 |
A home warranty is a protection plan that helps cut costs for Grass Valley homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty provides security for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with aging systems. More modern homes with working appliances probably don’t require a home warranty.
Home warranties cover your household systems and appliances. Typical covered appliances include washers, refrigerators, dryers, microwaves, dishwashers, garbage disposals, and others. Protected systems include plumbing, air conditioning, electrical, and heating. Various home warranty plans offer extra coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Grass Valley homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to know before signing, such as:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans cover heating, plumbing, AC, electrical, and appliances. More extensive plans may also provide protection for other things such as well pumps, pools, spas, and roof leaks. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize your plan to meet 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, you may want to choose a provider with more affordable fees to maximize savings. Some providers also do away with deductibles when customers have a claim-free period.
A home warranty company's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Read through review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about providers. Favorable reviews and ratings suggest a company known for providing quality service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. More extensive networks improve the probability of getting qualified contractors to your home quickly. Reach out to possible providers to ask how many contractors they have in Grass Valley to understand how long repairs might take in an urgent situation.
Some home warranty companies include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can provide extra value beyond repair coverage. Extra bonuses let you enhance your home and get the most from your home warranty.
Temperatures in Grass Valley can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Grass Valley, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
Not only can a home warranty give you 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 home warranty coverage is that it can raise 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 have your home warranty with.
As for the disadvantages of home warranties, coverage varies by company, so it’s important to understand what each plan covers and excludes in the contract.
Another consideration is that home warranties usually only cover malfunctions due to normal wear and tear. They most likely won’t cover systems or appliances that need repairs or replacements due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty in Grass Valley can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have broader coverage, higher coverage limits, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also decrease your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you will not be able to file a claim if you need a new washing machine or stove, unless the damage is due to a natural disaster, which isn't that common in Grass Valley.
A home warranty plan can help real estate agents, homebuyers, investors, home sellers, and homeowners. It can provide peace of mind to anyone involved in homeownership.
The different kinds of home warranties in Grass Valley include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers your home systems and appliances, such as your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the items mentioned in the contract.
Home warranty plans typically offer coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Typically, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Grass Valley, where the median value of a home is $513,949, having the seller pay for the home warranty can save you some money on your new home.