Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Although homeownership in Placerville has a great number of perks — such as being surrounded by nature — there are also downsides. One major headache many homeowners have to deal with eventually is replacing or repairing their home systems and appliances. A home warranty in Placerville can help reduce 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.
Choosing the best home warranty on the market can be difficult because of the sheer number of options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide on the best home warranty providers in Placerville.
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
In Placerville, Choice Home Warranty offers the best overall home warranty. 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. Choice offers 2 plans for you to choose from.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. The coverage caps associated with Choice’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting our detailed review of Choice Home Warranty.
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
In Placerville, Select Home Warranty offers the most cost-effective home warranty. 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. Select offers 3 plans for you to choose from.
Select Home Warranty has 3 plans that offer a combination of system and appliance coverage. The coverage caps associated with Select’s plans are around the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting our detailed review of Select Home Warranty.
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
In Placerville, American Home Shield offers the most customizable home warranty. 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. AHS offers 3 plans for you to choose from.
American Home Shield has 3 plans that offer a combination of system and appliance coverage. The coverage caps associated with AHS’s plans are around the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our detailed review of American Home Shield.
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
In Placerville, First American Home Warranty offers the best home warranty for 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. First American offers 2 plans for you to choose from.
First American Home Warranty has 2 plans that offer a combination of system and appliance coverage. The coverage caps associated with First American’s plans are around the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read more by visiting our detailed review of First American Home Warranty.
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
In Placerville, Cinch Home Services offers the home warranty with the best workmanship guarantee. 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. Cinch offers 3 plans for you to choose from.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our detailed review of Cinch Home Services.
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
In Placerville, The Home Service Club offers the best home warranty with the quickest service. 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. HSC offers 2 plans for you to choose from.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. The coverage caps associated with HSC’s plans are around the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our detailed review of The Home Service Club.
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 | $6,625 |
| Heating | $4,417 |
| Electrical | $662 |
| Toilets | $552 |
| Washer/Dryer | $883 |
| Plumbing | $662 |
| Oven | $1,767 |
| Fridge | $662 |
A home warranty is a protection plan that helps Placerville homeowners reduce the high costs of household repairs. These plans provide financial protection to repair or swap out appliances and systems that stop working from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds 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 provides security for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who own older homes or ones with outdated systems. Newer homes with functional appliances probably don’t need a home warranty.
Home warranties cover many home systems and appliances. Covered appliances typically include dryers, garbage disposals, dishwashers, microwaves, refrigerators, washers, and others. Covered systems include electrical, air conditioning, plumbing, and heating. Many home warranty companies also provide add-on coverage for central vacuums, locksmiths, roof leaks, and septic systems. Placerville should understand that most home warranty plans have a 30-day waiting period before repairs are covered. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to know before signing, such as:
There are several key considerations when choosing a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic plans typically include electrical, plumbing, AC, heating, and appliances, while more comprehensive plans may also cover well pumps, pools, spas, and roof leaks. Look for providers with varied coverage options, including upgraded plans. This allows you to tailor protection to your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with lower service fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation provides insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Complimentary reviews and ratings indicate a provider known for stellar service.
Home warranty providers maintain networks of professionals to handle covered repairs. More extensive networks improve the likelihood of getting qualified technicians to quickly service your home. Ask potential providers how many contractors they have in Placerville to get a sense of how soon your repairs could be handled in an emergency.
Home warranty providers often include perks such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These extras add value beyond repair coverage. Added perks help maximize the usefulness of your home warranty.
Placerville’s relatively mild winters and hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, saving you from spending a lot of money out of pocket.
Not only does a home warranty give you some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a contractor and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most. A home warranty can also yield value in other ways. For example, some plans can be transferred between owners during a home sale.
Home warranties also have some downsides. Although it can save you time when the home warranty sends out a contractor who carries out the repair for you, some people may not like this, and they may want to choose a contractor themselves. If that’s important to you, some home warranty companies let you select a contractor.
Another downside is that home warranties may exclude some repairs, like those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Placerville can cost between $30 and $60 a month. The higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also lower your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. Homeowners insurance protects your home in case of something such as a fire or natural disaster. With homeowners insurance, you will not be able to file a claim should you need a new dryer or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Placerville.
A home warranty plan can help investors, homeowners, real estate agents, homebuyers, and home sellers. It can provide peace of mind to anyone involved with homeownership.
The different types of home warranties in Placerville include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your home systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items listed in the plan.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
Typically, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Placerville, where the median home value is $525,207, having the seller pay for the home warranty can be a good asset for your new home.
