5 Best Home Warranty Companies In Home Gardens, CA
Looking for the best home warranty provider in Home Gardens? We can help.
Maintaining a home in Home Gardens can come with a lot of unexpected expenses. When it's sweltering in the summer and you're running your A.C. constantly, taking care of it when it stops working is a pain.
Compare the Best Home Warranty Companies in Home Gardens
There are over sixty home warranty providers in the Home Gardens area. Finding a home warranty policy that is a good fit for your needs can be a bit tricky. Luckily we have evaluated things like coverage choices, pricing, service fees, customer service reviews, and more for each provider to help you decide. Here is how each one ranked.
| 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 Home Gardens
- 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
Home Gardens'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 Home Gardens, Choice Home Warranty is the best overall home warranty plan. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. The home warranty plans from Choice Home Warranty include Basic Plan and Total Plan.
Service fees from Choice are $85. The coverage caps are also typically about $3,000. Plus, Choice offers 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
In Home Gardens, American Home Shield is the most customizable home warranty option. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage. Homeowners can choose between American Home Shield's ShieldSilver, ShieldGold, and ShieldPlatinum and also add-on options.
AHS's service fees range from $70 to $125, and the coverage limits come out to around $2,500 for each covered system or appliance. When you have a home warranty from AHS, you can enjoy 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
For homeowners who want the most cost-effective in Home Gardens, Select Home Warranty is the best option. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. Its plans are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.
The coverage limits from Select are around $2,000. The service fees are $80, which is pretty reasonable. With 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 offers the best appliance home warranty in Home Gardens. First American offers 2 plans for homeowners to decide between, which contain a mix of appliance and system coverage. The plans that First American offers to homeowners are Basic Plan and Premier Plan.
First American has coverage caps of around $1,500 for most systems and appliances, but with some plans, the coverage caps can be higher, so it's important to check with the company. Service fees are $85. When you buy a plan from First American, you can look forward to 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
In Home Gardens, Cinch Home Services is the best workmanship guarantee home warranty option. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
The coverage caps from Cinch are around $1,000-$2,000. The service fees range from $75 to $150, which is pretty affordable. If you'd like a 180-day workmanship guarantee and a wide range of coverage options, this is the plan for you.
| 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 Home Gardens?
A home warranty covers your systems and appliances and the typical wear they can experience. When you experience a problem with a home system or appliance that has to be repaired or replaced because of normal wear and tear, your home warranty will assist you in paying for it. Each covered appliance or system in your policy will have its own details about the coverage.
The following are the systems that are often covered under a home warranty:
- HVAC (heating and air conditioning)
- Electrical system
- Ceiling and exhaust fans
- Garbage disposal
- Water heater
- HVAC ductwork
- Plumbing system including stoppages
Common appliances include:
- Oven / Range / Stove
- Refrigerator
- Built-in Microwave
- Clothes Washer
- Dishwasher
- Clothes Dryer
Cost of a Home Warranty in Home Gardens?
How much a home warranty plan costs is something that you need to keep in mind when picking a plan. The Review Home Warranties team has done some comprehensive research to ensure you have a good understanding of what a home warranty in Home Gardens will cost. The home warranty costs for Home Gardens homeowners can vary based on the size or type of your home, as well as the type of coverage you choose.
Premiums range from $30 to $80 per month and service fees can be between $60 and $150 per contractor visit. How much it'll cost exactly depends on the plan's coverage. What will also affect the total cost is the add-on coverage you get. Keeping these costs in mind when choosing a plan will help you get the best deal on your home warranty.
Is a Home Warranty Worth It in Home Gardens?
A home warranty in Home Gardens can give you quite a few benefits for homeowners. When an expensive repair could have cost $1500 to fix, your home warranty will likely only have you paying the service fee. But on the other hand, there are also some potential downsides you should keep in mind when looking for a home warranty. Let's go over some benefits of having this home warranty first:
- Quality contractors--There are plenty of quality contractors in the Home Gardens area, but finding one that is suitable for your needs can be difficult. When you have a home warranty, the search for a contractor is handled for you since home warranty companies have relationships with contractors.
- Fast response times--When you don't have a home warranty, you may have to wait a long time for a contractor to come fix the issue. But you can typically get service within a 24-48 hour period with a home warranty.
- Workmanship guarantee--This ensures that in case the problem with your appliance or system isn't resolved the first time, the home warranty will keep helping you with it.
The potential downsides of a home warranty are also important to know about. Here are some of them:
- Exclusions--Keep in mind that home warranty contracts generally mention exclusions, including intentional damage or pre-existing conditions.
- Waiting period--A home warranty's coverage usually only starts 30 days after taking out the policy.
- Choice of contractor--If you want to choose which contractor comes to your home, you may have to look for a home warranty company that specifically lets you do that.
Even though you need to pay a premium and service fee for a home warranty, you can still save a good amount of money even if you only make one service call a year. For example, the average cost of a drain pipe repair is $560, so if you paid a $400 premium for the year and a $100 service fee, that'll leave you with $60 in savings for that one call alone.
FAQ's for Home Warranties in Home Gardens
Which home warranty should I choose?
The top home warranty company in Home Gardens is Choice Home Warranty. Choice Home Warranty provides good customer service and an expansive network of experienced repair technicians in the area.
How is a home warranty different from homeowners insurance?
Home warranties cover issues with home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a larger insurance that protects one's entire home from natural disasters and fires. It doesn't cover normal appliance or system repairs.
How do you use a home warranty?
After you get a home warranty policy and an appliance or system fails, you need to file a claim. The home warranty provider will send a contractor to your home to assess the situation and fix the issue. Then, you will pay a service fee and the home warranty will cover the remaining cost, as long as it is under the coverage cap.
Do you really need a home warranty?
When a system or appliance breaks down, fixing it can leave you with an unexpected large expense. With a home warranty plan, you'd only have to pay a small service fee for the repair, which can save you money and give you some 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.