Written By David Cusick
Last Updated April 2024
As much as you may enjoy homeownership in La Mesa, there's always that worry about whether your systems and appliances are going to hold up during the next few years. A home warranty can give you the peace of mind you need and shield your bank account from unexpected expenses by covering your home’s major systems and appliances.
Finding the right warranty for your home can be challenging, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in La Mesa. Read on for our home warranty recommendations.
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 in La Mesa. Choice has around 15 years of industry experience and in that time has built a an network of service professionals in the country. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it 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 around $3,000 at the maximum.
Read our Choice Home Warranty Review to learn more. To receive a free quote from Choice Home Warranty, 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 in La Mesa. Select has around 11 years of industry experience and in that time has built a an network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the provider for you. Plus, it 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 around $2,000 at the maximum.
Read our Select Home Warranty Review to learn more. To receive a free quote from Select Home Warranty, 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 in La Mesa. AHS has around 26 years of industry experience and in that time has built a an network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the provider for you. Plus, it 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 around $2,500 at the maximum.
Read our American Home Shield Review to learn more. To receive a free quote from American Home Shield, 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 in La Mesa. First American has around 39 years of industry experience and in that time has built a an network of service professionals in the country. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. If you’re looking for very affordable and comprehensive appliance coverage, this is the provider for you. 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.
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 around $1,500 at the maximum.
Read our First American Home Warranty Review to learn more. To receive a free quote from First American Home Warranty, 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 in La Mesa. Cinch has around 44 years of industry experience and in that time has built a an network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, it 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 around $1,000-$2,000 at the maximum.
Read our Cinch Home Services Review to learn more. To receive a free quote from Cinch Home Services, 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 in La Mesa. HSC has around 15 years of industry experience and in that time has built a an network of service professionals in the country. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. 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, this is the provider for you. Plus, it 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 around $2,000 at the maximum.
Read our The Home Service Club Review to learn more. To receive a free quote from The Home Service Club, 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 | $7,044 |
Heating | $4,696 |
Electrical | $704 |
Toilets | $587 |
Washer/Dryer | $939 |
Plumbing | $704 |
Oven | $1,878 |
Fridge | $704 |
A home warranty is a protection policy that assists La Mesa homeowners in reducing the expenses of appliance and system repairs. The plans offer financial coverage to replace or repair appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who live in older homes or ones with outdated systems. Newer builds with functional fixtures probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include washers, microwaves, dishwashers, garbage disposals, refrigerators, dryers, and more. Included systems are normally electrical, plumbing, heating, and air conditioning. Many home warranty companies provide add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. It's important for La Mesa homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't cover things like natural disasters, cosmetic issues, pre-existing conditions, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans cover heating, AC, plumbing, electrical, and appliances. More inclusive options also offer coverage on other items such as roof leaks, spas, pools, and well pumps. Look for a provider that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for companies advertising lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's rating gives insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Complimentary reviews and ratings indicate a provider known for stellar service.
Home warranty providers keep networks of technicians to handle covered repairs. Larger networks raise the probability of getting qualified technicians to quickly service your home. Ask potential providers how many contractors they have in La Mesa to get a sense of how quickly your repairs could be handled in an emergency.
Some home warranty providers may include perks such as smart home device coverage, energy efficiency upgrades, and reduced maintenance fees. These can provide extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your warranty policy.
Since temperatures in La Mesa can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks down suddenly.
On top of saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the hassle of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may come across. 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 maybe even help your home sell faster.
One main drawback of a home warranty is not every home system and appliance you care about may be covered. It’s important to research the different policies and choose one that covers all the appliances, systems, and add-ons you need.
Another possible pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, around $300 to $600 a year in La Mesa. 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 often cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects the entire home in case of a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim if you need a new dryer or dishwasher, unless the damage is due to a natural disaster, which isn't that common in La Mesa.
A home warranty plan can help homeowners, home sellers, real estate agents, homebuyers, and investors. It can offer peace of mind and savings to anyone involved in homeownership.
The different home warranties in La Mesa include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers your home systems and appliances, including your refrigerator, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the items listed in the policy.
Home warranty plans usually provide 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 will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In La Mesa, where the median value of a home is $846,190, having the seller pay for the home warranty can be a good asset for your new home.