5 Best Home Warranty Companies In Lathrop, CA
With our guide on the top home warranty plans in Lathrop, getting the perfect one for you will be simple.
Lathrop is a great area in the state of California to own a home. Moving into a new home is only the beginning, though. You still need to maintain it, which can put a dent in your bank account. When it's hot in the summer and you're using your A.C. all the time, dealing with it malfunctioning is a pain.
Compare the Best Home Warranty Companies in Lathrop
Lathrop has so many home warranty companies to pick from. We compared everything from BBB ratings to pricing to customer reviews to come up with the best home warranty plans in Lathrop. Here's how the best providers in Lathrop rank.
| 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 Lathrop
- 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
Lathrop'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
Choice Home Warranty is the best choice for homeowners who need the best overall in Lathrop. Choice offers 2 plans for homeowners to choose from, which contain a mix of system and appliance coverage. The plans that Choice offers to homeowners are Basic Plan and Total Plan.
Service fees from Choice are $85. The coverage caps are also about $3,000 for most appliances and systems. When you buy 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 |
- 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 Lathrop, American Home Shield offers the most customizable home warranty plan. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. The home warranty plans from American Home Shield include ShieldSilver, ShieldGold, and ShieldPlatinum.
The coverage caps from AHS are around $2,500. The service fees range from $70 to $125, which is pretty affordable. When you have a home warranty from AHS, you can benefit from 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
In Lathrop, Select Home Warranty is the most cost-effective home warranty . The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. Select Home Warranty's plans are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.
The coverage caps for Select's plans are close to the $2,000 mark for most major home systems and appliances, and service fees are $80. Select is known as a company with 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 is a good choice for homeowners who want the best appliance in Lathrop. The 2 plans from First American are easy to comprehend and offer a mix of both system and appliance coverage. The plans that First American offers to homeowners are Basic Plan and Premier Plan.
The coverage limits 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 offers the best workmanship guarantee home warranty plan for Lathrop residents. The 3 plans from Cinch are easy to understand and offer both system and appliance coverage. Homeowners can choose between Cinch Home Services' Appliances Plan, Built-in Systems Plan, and Complete Home Plan and also add-on options.
The coverage caps from Cinch are around $1,000-$2,000. The service fees range from $75 to $150, which is pretty reasonable. If you'd like a 180-day workmanship guarantee and a wide range of coverage options, Cinch is a great provider 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 Lathrop?
A home warranty will cover your systems and appliances and the typical wear and tear they can experience. With a home warranty in Lathrop, you can have the peace of mind that a broken septic system or dishwasher should 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 Lathrop homeowners like to have a combination of coverage to ensure all needs are met.
There are several home systems that are usually covered under a home warranty, like:
- HVAC (heating and air conditioning)
- Plumbing system
- Water heater
- Electrical system
And the common appliances covered include:
- Built-in Microwave
- Refrigerator
- Dishwasher
- Clothes Dryer
- Cooktop
- Clothes Washer
- Oven / Range / Stove
Cost of a Home Warranty in Lathrop?
The main point of having a home warranty policy is to save money. The policy you purchase needs to stick to your budget so it can do this. The home warranty costs for Lathrop residents depends on the size or type of the home, as well as the coverage you choose.
On average, premiums range from $30 to $80 a month and $60 to $150 for service fees. The exact number varies based on the plan you want and how much coverage it has. Plus, if you choose any add-on coverage, that will raise the cost. When looking for a home warranty, keeping these numbers in mind can help you select the right plan for your budget.
Is a Home Warranty Worth It in Lathrop?
You may be thinking of purchasing a home warranty for personal reasons. Maybe you have some old systems and appliances that you're worried about when it comes to functionality. 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:
- Quality contractors--There are many challenges that come hand in hand with an appliance or system breaking down, and one of them is getting a contractor. Your home warranty can take care of this for you, which takes a load off.
- Fast response times--If you do not have a home warranty policy, you must look for a contractor, book them, and hope they come on time to do the repair. But, with the quick response times of a home warranty, you will likely have your appliance or system fixed in a 24-48 hour period.
- Workmanship guarantee--A workmanship guarantee ensures that in the event that a repair doesn't fix the problem, the home warranty company will continue to work with you to find a solution. Without a home warranty in place, you may pay for a repair and then never see that contractor again.
There are also some conditions to bear in mind about home warranties that could be a drawback for homeowners, such as:
- Exclusions--Bear in mind that home warranty contracts usually come with exclusions, like pre-existing conditions or intentional damage.
- Choosing a contractor--Most home warranty providers will choose a repair technician for you. For some, this is a perk because it's one less thing they have to worry about, but for others, this is a drawback because they want to be able to choose.
- Waiting period--If you want to submit a claim right away, that generally isn't possible. Most home warranties require you to wait 30 days before you can request service.
Alongside money, a home warranty can save you a lot of effort too. Rather than calling several technicians for quotes, you just have to call your home warranty provider and they'll deal with the repair for you for just a service fee.
FAQ's for Home Warranties in Lathrop
What's the best home warranty company in Lathrop?
The top home warranty company in Lathrop is Choice Home Warranty. Choice Home Warranty has good customer service and an expansive network of experienced service technicians in the area.
When can I purchase a home warranty?
For homeowners with new appliances that are already covered by a manufacturer's warranty, you may want to purchas a home warranty after that one expires. Home warranty companies will only cover appliances and systems that aren't already covered by a warranty.
How do you use a home warranty?
When a home system or appliance stops working, your home warranty can help. First, you submit a claim, which you can do on the phone or online. After that, the home warranty company will send a contractor to your home and you will pay a service fee once the problem is fixed.
Can I transfer my home warranty to someone else?
A home warranty can be transferred to another party, so if you want to sell your home, the homebuyer can use the policy too.
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.