Owning a home in La Quinta can be an exciting experience, but it also comes with its challenges. In the middle of summer, the last thing you want is to have to handle your air conditioner breaking down.
There are dozens of plans that we had to analyze to be able to put together our guide of the best home warranty policies in La Quinta. At Review Home Warranties, we reviewed all of these home warranties and compared things such as time on the market, monthly costs, BBB ratings, coverage options, and more to help you decide. Here's how each provider 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 |
Choice Home Warranty offers the best overall home warranty policy for La Quinta homeowners. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. The plans that Choice offers to homeowners are Basic Plan and Total Plan.
The coverage caps from Choice are about $3,000. The service fees are $85, which is pretty reasonable. When you purchase a home warranty from Choice, you can look forward to 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 |
For homeowners who'd like the most customizable in La Quinta, homeowners should consider opting for American Home Shield. The 3 plans from AHS are comprehensive and have a mix of both system and appliance coverage. American Home Shield's plans are ShieldSilver, ShieldGold, and ShieldPlatinum.
AHS's service fees range from $70 to $125, and the coverage caps come out to around $2,500 per system or appliance. 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 |
For homeowners who need the most cost-effective in La Quinta, Select Home Warranty is a great choice. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the names of the company's plans, and it also offers add-on options.
Select's service fees are $80, and the coverage limits come out to about $2,000 for each appliance or system. Additionally, Select has 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 |
For homeowners who need the best workmanship guarantee in La Quinta, homeowners should consider opting for Cinch Home Services. The 3 plans from Cinch are comprehensive and offer a mix of both system and appliance coverage. Cinch Home Services' plans include Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
The coverage caps for Cinch's plans are close to the $1,000-$2,000 mark for most of the major appliances and systems, and service fees range from $75 to $150. When you purchase a policy from Cinch, you will get 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 |
The Home Service Club offers the best quick service home warranty plan for La Quinta residents. HSC offers 2 plans for you to choose from, which contain a combination of appliance and system coverage. The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan.
HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so it's important to ask the provider. Service fees are $60, $75, or $95, depending on the plan you choose. HSC is known as a company with quick coverage just 10 days after purchasing the policy and a 30-day labor guarantee and a 90-day parts guarantee.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Standard Coverage Plan | $50.40 | $60.00 - $95.00 | View Items Covered Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater. Standard Coverage Plan Included Item | View Add-on Items Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer. Standard Coverage Plan Add On |
| Comprehensive Coverage Plan | $62.90 | $60.00 - $95.00 | View Items Covered Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan. Comprehensive Coverage Plan Included Item | View Add-on Items Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer. Comprehensive Coverage Plan Add On |
First American Home Warranty has the best appliance home warranty plan for La Quinta homeowners. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. 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 a good idea to check with the provider. Service fees are $85. When you have a home warranty from First American, you can benefit from 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 |
A home warranty will cover your systems and appliances and the typical wear that they can experience. With a home warranty in La Quinta, you can have the peace of mind that a broken septic system or microwave will only cost you the price of a service fee. Some home warranty plans will have system and appliance coverage, while others will have one or the other. Most La Quinta homeowners like having a combination of coverage to ensure the most protection.
There are many home systems that are typically covered under a home warranty, such as:
As for appliances, the common ones covered are
The overall reason to have a home warranty is to save money. The plan you buy must suit your budget so it can be of financial benefit. With a home warranty policy, the size of your home and how many items are covered will determine the overall pricing of the plan. Higher-priced plans will generally have add-on coverages that raise the overall costs.
Your premium can be from $30-$80 a month, and $60-$150 for the service fee you'll pay each time a technician comes to your home for a repair. The exact amount you'll pay is based on the type of coverage the plan has. Another thing that affects the cost is add-on coverage. When shopping for a home warranty, keeping these figures in mind can help you pick the correct plan for your budget.
You may be thinking of purchasing a home warranty for many reasons. There could be some old systems and appliances that make you nervous when it comes to breakdowns. Whatever your reasons may be, it's necessary that you understand the pros and cons of the home warranty. Here are some of the benefits:
Home warranty policies can help you save money, but you must also consider the following when you have a home warranty:
A home warranty can also increase the value of your property if you decide to sell because you can transfer it to the new homeowner.
Our overall pick for the top home warranty provider in La Quinta is Choice Home Warranty. However, the perfect company for you depends on the coverage you need for your appliances and home systems.
A home warranty plan covers the normal wear and tear of systems and appliances in a home. Homeowners insurance protects your home in case of something like a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new washing machine or oven, unless the damage is due to a natural disaster.
A home warranty policy will cover the repair and replacement costs for your home systems and appliances. Home warranties only cover damage due to normal wear and tear and usually don't cover something that happened as a result of a pre-existing condition.
When a system or appliance breaks down, fixing it can leave you with a large expense you weren't expecting. With a home warranty in place, you'd only have to pay a small service fee for the repair, which can save you money and offer you some peace of mind.
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:
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.