5 Best Home Warranty Companies In Lake Elsinore, CA
With our guide on the top home warranty providers in Lake Elsinore, finding the perfect one for you will be a breeze.
If you're lucky enough to call Lake Elsinore home, you are likely aware that homeownership isn't always smooth sailing. As a homeowner in Lake Elsinore, you will inevitably have problems arising with your home systems and appliances that will need your attention, and these can eat into your savings.
Compare the Best Home Warranty Companies in Lake Elsinore
Lake Elsinore has access to several home warranty providers. This can be a lot of information for homeowners to take in and it can be a challenge to break down which of these home warranty policies would be best for you. At Review Home Warranties, we compared service fees, BBB ratings, customer service reviews, coverages, and more. Here are the rankings for the top home warranties in Lake Elsinore.
| 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 Lake Elsinore
- 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
Lake Elsinore'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
For homeowners who'd like the best overall in Lake Elsinore, Choice Home Warranty is the best option. Choice has 2 simple plans, making the selection process easy. Homeowners can choose between Choice Home Warranty's Basic Plan and Total Plan and also add-on options.
Service fees from Choice are $85. The coverage caps are also typically around $3,000 for most appliances and systems. When you buy a plan from Choice, you will get 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 is the best choice for homeowners who'd like the most customizable in Lake Elsinore. The 3 home warranty plans that AHS has include differing levels of system and appliance coverage, as well as add-on options. The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum.
AHS's service fees range from $70 to $125, and the coverage caps come out to about $2,500 per covered system or appliance. AHS is known as a company 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
For homeowners who want the most cost-effective in Lake Elsinore, homeowners should consider opting for Select Home Warranty. The 3 plans from Select are comprehensive and have a mix of both system and appliance coverage. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the names of the company's plans, and it also offers add-ons.
The coverage caps for Select's plans are close to the $2,000 mark for most of the major appliances and systems, and service fees are $80. Additionally, Select offers 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
In Lake Elsinore, First American Home Warranty is the best appliance home warranty option. First American has 2 plans for you to choose from, which contain a mix of appliance and system coverage. Homeowners can choose between First American Home Warranty's Basic Plan and Premier Plan and also add-on options.
The coverage caps from First American are about $1,500. The service fees are $85, which is fairly reasonable. When you have a home warranty from First American, you can enjoy 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 Lake Elsinore. The 3 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 names of the company's plans, and it also offers add-ons.
Cinch has coverage caps of around $1,000-$2,000 for most systems and appliances, but some plans may have different coverage caps, so it's important to verify with the company. 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 |
What does a Home Warranty Cover in Lake Elsinore?
Now that you have the best home warranty companies in Lake Elsinore, it's a good idea to take a look at what exactly these home warranties can actually cover. A home warranty is in place to protect against normal wear and tear of systems and appliances. With a home warranty in Lake Elsinore, you can relax knowing that a broken HVAC or refrigerator should only cost you the price of a service fee. Some home warranty policies will have system and appliance coverage, while others will have one or the other. Most Lake Elsinore homeowners enjoy having a combination of coverage to ensure all needs are met.
These are the systems that are usually covered under a home warranty:
- Garbage disposal
- Ceiling and exhaust fans
- HVAC (heating and air conditioning)
- Water heater
- Electrical system
- Plumbing system including stoppages
- HVAC ductwork
The appliances commonly covered are ones like:
- Dishwasher
- Refrigerator
- Clothes Dryer
- Clothes Washer
- Cooktop
- Oven / Range / Stove
- Built-in Microwave
Cost of a Home Warranty in Lake Elsinore?
Lake Elsinore homeowners that care about saving money on the costs should have a general idea as to what home warranty policies cost on average. The cost will vary depending on the coverage choices, the size of your home, and the service fee that you choose.
On average, premiums range from $30 to $80 per month and $60 to $150 for service fees. The exact cost varies based on which plan you choose and what kind of coverage it has. Something else that brings the cost up is add-on coverage. When searching for a home warranty, keeping these numbers in mind can help you choose the right plan for your budget.
Is a Home Warranty Worth It in Lake Elsinore?
When searching for a home warranty, there are some pros and cons to bear in mind. Making sure you read the contract with care can help you get the most savings from a home warranty and one that suits your needs. Here are some of the benefits that you can get from a home warranty:
- Workmanship guarantee--This guaranteed that in case the problem with your appliance or system isn't resolved the first time, the home warranty will keep assisting you with it.
- Fast response times--If you don't have a home warranty policy, you must try and find a contractor, make an appointment with them, and hope they come on time to do the repair. However, with the quick response times of a home warranty, you will likely have your appliance or system fixed in a 24-48 hour period.
- Quality contractors--There are many quality contractors in the Lake Elsinore area, but finding one that is a good fit for your needs can be tricky. When you have a home warranty, the search for a contractor is done for you since home warranty companies have connections with contractors.
- Peace of mind--As a homeowner, you may be worried about your fridge or stove going at any time. A home warranty can give you peace of mind that when something breaks, it will be covered.
And these are a few of the potential drawbacks of a home warranty:
- Exclusions--Home warranty policies typically come with some exclusions and things they won't cover, such as pre-existing conditions or damage due to lack of proper maintenance.
- Choosing a contractor--Most home warranty providers will choose a contractor for you. For some, this is a benefit because it's one less thing they have to worry about, but for others, this can be a disadvantage because they want to have the choice.
- Waiting period--After taking out a home warranty policy, you typically need to wait around 30 days before coverage begins.
Having access to a large network of contractors is one of the benefits of getting a home warranty. This makes getting repairs super easy, since you won't have to research contractors and call around for estimates.
FAQ's for Home Warranties in Lake Elsinore
What's the best home warranty company in Lake Elsinore?
The best home warranty company in Lake Elsinore is Choice Home Warranty. Choice Home Warranty offers good customer service and an expansive network of experienced service technicians in the area.
What's a home warranty?
A home warranty is a contract that can help save you money on the repairs and replacements of your major home system components and appliances if they break down unexpectedly.
What types of things does a home warranty commonly cover?
A home warranty policy covers 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 because of a pre-existing condition.
Can I transfer my home warranty to someone else?
A home warranty can be transferred to another party, so if you are selling your home, the homebuyer can use the policy as well.
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.