Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
The cost of maintaining a home in Napa can be costly, especially as your home ages and your appliances and systems need to be updated. A home warranty can offer you the peace of mind you need and guard your savings account from large expenses by covering your home’s major systems and appliances.
Finding the best warranty for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Napa. Keep reading for our 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 for Napa residents. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Napa homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 for Napa residents. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Napa homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our review of Select Home Warranty to learn more.
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 for Napa residents. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Napa homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our review of American Home Shield to learn more.
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 for Napa residents. The 2 policies that First American offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also 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.
First American Home Warranty offers 2 plans for Napa homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our review of First American Home Warranty to learn more.
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 for Napa residents. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Napa homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our review of Cinch Home Services to learn more.
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 for Napa residents. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Napa homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our review of The Home Service Club to learn more.
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 | $7,327 |
| Heating | $4,885 |
| Electrical | $733 |
| Toilets | $611 |
| Washer/Dryer | $977 |
| Plumbing | $733 |
| Oven | $1,954 |
| Fridge | $733 |
A home warranty is a protection policy that helps reduce the high costs for Napa homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances might not need a home warranty.
Home warranties safeguard your home systems and appliances. Common appliances covered under a home warranty include dishwashers, washers, refrigerators, garbage disposals, microwaves, dryers, and others. Covered systems include electrical, air conditioning, heating, and plumbing. Many home warranty plans offer additional add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. It's important for Napa homeowners to know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like cosmetic issues, natural disasters, pre-existing conditions, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by your policy.
Here are some essential home warranty terms to learn before signing a contract:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage can have major differences in what's included. Most plans include protection for heating, plumbing, electrical, AC, and appliances. More inclusive options also include protection for other items such as pools, roof leaks, spas, and well pumps. Look for companies with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out 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 company's track record gives insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Positive reviews and ratings indicate a company known for stellar service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Reach out to potential businesses to ask how many repair specialists they have in Napa and get an idea of how fast your repairs could be handled in an emergency. Bigger networks increase the likelihood of getting qualified contractors to promptly service your home.
Some home warranty companies may include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can offer extra value beyond just repair coverage. Added bonuses help you enhance your home and get the most from your home warranty.
Temperatures in Napa can get quite high in the summer, which means your air conditioner is most likely going to get a decent amount of use. As a homeowner in Napa, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of having to vet contractors on your own, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Another added benefit of having a home warranty policy is that it can raise your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
There are also some downsides to purchasing a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Another stipulation is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won’t cover home systems or appliances that have stopped working due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty plan costs, on average, around $300 to $600 a year in Napa. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which might not be too much of a concern in Napa. It doesn't cover a typical appliance or system repairs.
A home warranty policy can help investors, home sellers, homebuyers, real estate agents, and homeowners. It can offer peace of mind to anyone involved with homeownership.
A home warranty plan will cover your systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Home warranty plans generally last a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Napa, where the median value of a home is $895,544, having the seller pay for the home warranty can be a good asset for your new home.
