6 Best Home Warranty Companies In Lincoln, CA

If you're searching for the best home warranty plan for your Lincoln home, our guide can help you choose.

In Lincoln, owning a home can be a rewarding, yet challenging experience. You've shelled out a lot of money for that property, so maintaining it well is a priority for many homeowners.

Compare the Best Home Warranty Companies in Lincoln

There are dozens of home warranties that have to be sorted through for us to compile our list of the top home warranty plans in Lincoln. Finding something that is the perfect fit for your needs can be a bit tricky. Fortunately we have evaluated things like coverage choices, pricing, service fees, customer service reviews, and more for each provider to help you decide. This is how the top companies in Lincoln 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 Lincoln

  1. Choice Home Warranty: Best Overall
  2. American Home Shield: Most Customizable
  3. Select Home Warranty: Most Cost-Effective
  4. Cinch Home Services: Best Workmanship Guarantee
  5. The Home Service Club: Best Quick Service
  6. First American Home Warranty: Best Appliance

Lincoln's Top Home Warranty Companies'

#1 Choice Home Warranty

Editorial Rating 98.5

    Pros:
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
  • 90-day repair guarantee

In Lincoln, Choice Home Warranty offers the best overall home warranty option. Choice has 2 simple plans, making the selection process quick and easy. Its plans include Basic Plan and Total Plan.

Choice's service fees are $85, and the coverage limits come out to around $3,000 per covered appliance or system. Additionally, 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

#2 American Home Shield

Editorial Rating 97.6

    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 Lincoln, American Home Shield offers the most customizable home warranty . AHS has 3 simple plans, making the selection process easy. Its plans include ShieldSilver, ShieldGold, and ShieldPlatinum.

AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so it's important to check with the company. Service fees range from $70 to $125. 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

#3 Select Home Warranty

Editorial Rating 97.2

    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 Lincoln, Select Home Warranty offers the most cost-effective home warranty policy. Select has 3 simple plans, making the selection process quick and easy. The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.

Select has coverage caps of around $2,000 for most systems and appliances, but some plans may have different coverage caps, so it's important to check with the company. Service fees are $80. When you have a home warranty from Select, you can benefit from 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

#4 Cinch Home Services

Editorial Rating 96.5

    Pros:
  • Offers home insurance deductible of $500
  • Extra long 180-day workmanship guarantee
  • Offers free cancellation in the first 30 days

Cinch Home Services has the best workmanship guarantee home warranty in Lincoln. The 3 policies that Cinch has include options for appliance and system coverage. Its plans include Appliances Plan, Built-in Systems Plan, and Complete Home Plan.

Cinch has coverage caps of around $1,000-$2,000 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 company. Service fees range from $75 to $150. When you have a home warranty from Cinch, you can benefit from 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

#5 The Home Service Club

Editorial Rating 95.3

    Pros:
  • 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

The Home Service Club is a good choice for homeowners who want the best quick service in Lincoln. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage. The Standard Coverage Plan and Comprehensive Coverage Plan are the names of the company's plans, and it also has add-ons.

Service fees from HSC are $60, $75, or $95, depending on the plan you choose. The coverage caps are also generally around $2,000 for most appliances and systems. HSC is known as a provider 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

#6 First American Home Warranty

Editorial Rating 94.7

    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 has the best appliance home warranty in Lincoln. First American offers 2 plans for homeowners to decide between, which have a mix of system and appliance coverage. First American Home Warranty's plans include Basic Plan and Premier Plan.

First American has coverage caps of around $1,500 for most systems and appliances, but some plans may have different coverage caps, so it's a good idea to verify with the provider. Service fees are $85. Plus, First American offers 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

What does a Home Warranty Cover in Lincoln?

A home warranty will assist you with systems and appliances in your home that experience damage because of normal wear and tear. The Lincoln home warranty can cover any system or appliance from a microwave to a plumbing system and everything in between. Some home warranties will even cover your pool and spa.

There are many home systems that are usually covered under a home warranty, including:

  • Plumbing system
  • HVAC (heating and air conditioning)
  • Water heater
  • Electrical system

The appliances commonly covered are ones like:

  • Cooktop
  • Clothes Washer
  • Dishwasher
  • Built-in Microwave
  • Clothes Dryer
  • Refrigerator
  • Oven / Range / Stove

Cost of a Home Warranty in Lincoln?

The cost of a home warranty plan is something that you should consider when deciding on a plan. Our team has done in-depth research to ensure that you have a good grasp of what a home warranty in Lincoln will cost. The type of home you have, as well as the coverage, service fee, and any add-ons you pick all influence the cost.

Your premium can be from $30-$80 a month, and $60-$150 for the service fee you'll pay every time a contractor visits your home for a repair. The exact amount you'll pay is based on the type of coverage the plan offers. Picking add-on coverage will also make the price you have to pay higher. Keeping these ranges in mind as you shop around will help make sure you get a great deal on your home warranty.

Is a Home Warranty Worth It in Lincoln?

A home warranty in Lincoln can give you quite a few benefits for homeowners. When an expensive HVAC 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 drawbacks you should consider when searching for a home warranty. Let's look at some benefits of having this home warranty in place first:

  • Peace of mind--If you are concerned about your budget and being able to afford an expensive repair or replacement, a home warranty can help with that. Home warranties are there to give homeowners peace of mind.
  • Fast response times--It can be a lot of work to get a repairperson you found on your own to commit to a schedule or a quick response. A home warranty provider usually assures service within a specific period of time, allowing homeowners to get the repair done quickly and move on.
  • Workmanship guarantee--A workmanship guarantee ensures that in the event that a repair doesn't fix the problem, the home warranty provider will continue to help you find a solution. Without a home warranty in place, you may pay for a repair and then never hear from that contractor again.

Home warranty companies can help protect you from unexpected repair expenses, but you must also keep the following in mind when you have a home warranty:

  • Waiting period--If you want to submit a claim soon after buying the home warranty policy, that often isn't possible. Most home warranties have you wait 30 days before you can request a repair.
  • Exclusions--Home warranty policies often come with some exclusions and things they won't cover, such as pre-existing conditions or damage due to lack of proper maintenance.
  • Coverage limit--Pay attention to the coverage limits in the home warranty contract. This will determine the maximum amount the home warranty will cover for a repair or replacement.

Having access to a professional network of contractors is one of the advantages of getting a home warranty. This makes getting repairs done super easy, since you won't have to research contractors and call around for quotes.

FAQ's for Home Warranties in Lincoln

What's the best home warranty company in Lincoln?

Our overall pick for the best home warranty provider in Lincoln is Choice Home Warranty. However, the right company for you depends on what kind of coverage you need for the appliances and systems in your home.

How is a home warranty different from homeowners insurance?

Home warranty policies cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a different plan that protects the entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system breakage.

When should you get a home warranty?

Because home warranties generally have a 30-day waiting period before you can use it, you may want to purchase a home warranty as soon as possible to ensure you have coverage when you need it, especially if your home or appliances are on the older side.

Who needs a home warranty?

A home warranty policy can help real estate agents, home sellers, homeowners, investors, and home buyers. It can offer peace of mind to anyone involved in homeownership.

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.

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