Written By David Cusick
Last Updated April 2024
Oildale offers homeowners some beautiful housing options. However, unexpected repair and replacement costs on your home’s systems and appliances can get quite costly. A home warranty in Oildale can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that break down due to normal wear and tear.
The home warranty market has many providers — all with different plans — so the Today's Homeowner team has done the research to help you find the best home warranty companies in Oildale.
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 in Oildale. The 2 plans from Choice are easy to comprehend and offer both system and appliance coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty full review.
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 in Oildale. The 3 plans from Select are easy to comprehend and offer both system and appliance coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, read our Select Home Warranty full review.
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 in Oildale. The 3 plans from AHS are easy to comprehend and offer both system and appliance coverage. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read our American Home Shield full review.
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 in Oildale. The 2 plans from First American are easy to comprehend and offer both system and appliance coverage. First American offers very affordable and comprehensive appliance coverage. Plus, it 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For a more detailed breakdown, read our First American Home Warranty full review.
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 in Oildale. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read our Cinch Home Services full review.
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 in Oildale. The 2 plans from HSC are easy to comprehend and offer both system and appliance coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our The Home Service Club full review.
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 | $6,274 |
Heating | $4,182 |
Electrical | $627 |
Toilets | $523 |
Washer/Dryer | $836 |
Plumbing | $627 |
Oven | $1,673 |
Fridge | $627 |
A home warranty is a protection policy that helps reduce the high costs for Oildale homeowners needing appliance and system repairs. These plans provide coverage to fix or swap out appliances and systems that break due to normal wear and tear.
Homeowners submit 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 exceed the item's coverage limit. A home warranty plan gives homeowners a sense of security and can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties cover many home systems and appliances. Typical covered appliances are refrigerators, washers, dishwashers, microwaves, dryers, garbage disposals, and more. Protected systems include heating, plumbing, electrical, and air conditioning. Many home warranty plans offer extra coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Oildale homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, most policies only help pay for repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or improperly using a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Here are some key home warranty terms to understand before signing a contract:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty plans vary widely in what they include. Most plans cover heating, plumbing, AC, electrical, and appliances. More inclusive options also extend protection to other items such as well pumps, pools, roof leaks, and spas. Look for a provider that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a provider with lower service fees to maximize savings on every claim. Some providers also eliminate deductibles when customers have a claim-free period.
A home warranty provider's reputation can provide insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Browse review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Good ratings and feedback indicate a company known for great service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. Bigger networks raise the chance of getting skilled contractors to your home promptly. Reach out to possible providers to ask how many technicians they have in Oildale. This helps you understand how long repairs could take in an urgent situation.
Certain home warranty companies include perks such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These bonuses can offer extra value beyond repair coverage. Extra perks can enhance your home and help maximize your home warranty.
Temperatures in Oildale can get quite high in the summer, which means your air conditioner is likely to get a lot of use. As a homeowner in Oildale, one of the benefits of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
As well as saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair issues you may have. Another added benefit of having a home warranty policy is that it can increase your home’s real estate 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.
As for the drawbacks of home warranties, coverage varies by provider, so it’s important to read what each policy covers and excludes in the contract.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won’t cover systems or appliances that have stopped working due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty in Oildale can cost anywhere from $30 to $60 a month. The higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some providers will also reduce your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different insurance that protects an entire home from natural disasters, which can sometimes be a concern in Oildale. It doesn't cover a typical appliance or system repairs.
Homebuyers, landlords, real estate agents, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different types of home warranties in Oildale include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your home systems and appliances, including your washing machine, drier, and plumbing. An appliance or system plan will cover only the specific items mentioned in the plan.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Usually, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Oildale, where the median home value is $256,945, having the seller pay for the home warranty can save you some money on your new home.