5 Best Home Warranty Companies In Ramona, CA
Are you searching for the best home warranty for your home in Ramona? We can help.
Ramona is a great area in the state of California to be a homeowner. Closing on a new home is just the beginning, however. You still need to maintain it, which can come with a fair amount of expenses. When it's hot in the summer and you're running your A.C. a lot, taking care of it when it stops working is a pain.
Compare the Best Home Warranty Companies in Ramona
There are more than sixty home warranty companies in the Ramona area. Finding something that is a good fit for your needs can be a bit challenging. Luckily we have taken into consideration things like coverage choices, pricing, service fees, customer service reviews, and more for each provider to help you decide. Here's how the best ones in the Ramona area 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 Ramona
- 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
Ramona'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
In Ramona, Choice Home Warranty is the best overall home warranty plan. Choice has 2 simple plans, making the selection process easy. The plans that Choice offers to homeowners are Basic Plan and Total Plan.
Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so it's a good idea to verify with the provider. Service fees are $85. 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
American Home Shield has the most customizable home warranty for Ramona residents. AHS has 3 plans for homeowners to choose from, which have a combination of appliance and system coverage. The home warranty plans from American Home Shield include ShieldSilver, ShieldGold, and ShieldPlatinum.
Service fees from AHS range from $70 to $125. The coverage caps are also typically around $2,500 for most systems and appliances. When you purchase a plan from AHS, you can look forward to 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 Ramona, Select Home Warranty offers the most cost-effective home warranty plan. The 3 plans from Select are easy to understand and offer both system and appliance coverage. The home warranty plans from Select Home Warranty include 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 ask the provider. Service fees are $80. Plus, Select offers 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
In Ramona, First American Home Warranty offers the best appliance home warranty plan. First American has 2 simple plans, making the selection process easy. Homeowners can choose between First American Home Warranty's Basic Plan and Premier Plan and also add-on options.
The coverage limits from First American are about $1,500. The service fees are $85, which is fairly reasonable. First American is known as a provider with 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
For homeowners who'd like the best workmanship guarantee in Ramona, homeowners should consider choosing Cinch Home Services. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. Its plans include Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
The coverage caps from Cinch are around $1,000-$2,000. The service fees range from $75 to $150, which is fairly reasonable. 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 |
What does a Home Warranty Cover in Ramona?
A home warranty will help you with systems and appliances in your home that get damaged due to normal wear and tear. The point of a home warranty is to help reduce the expenses of repairing and replacing your systems and appliances such as your refrigerator or septic system. If you have a pool and spa, this is something to consider as well.
There are many home systems that are typically covered under a home warranty, including:
- Water heater
- Plumbing system
- HVAC (heating and air conditioning)
- Electrical system
The appliances commonly covered are ones such as:
- Clothes Dryer
- Cooktop
- Dishwasher
- Oven / Range / Stove
- Refrigerator
- Clothes Washer
- Built-in Microwave
Cost of a Home Warranty in Ramona?
Having a general idea of the average costs before doing your research can help ensure you're getting the best deal on the home warranty. The type of home you have, as well as the coverage, service fee, and any add-ons you get all affect the price.
The service fees that home warranty companies offer range from $60-$150 and monthly premiums $30-$80, depending on the coverage you choose. What will also influence the total cost is the add-on coverage you choose. When looking for a home warranty, keeping these amounts in mind can help you get the right plan for your budget.
Is a Home Warranty Worth It in Ramona?
When searching for a home warranty, there are some pros and cons you should bear in mind. Making sure you read your contract carefully can help you get the most savings from a home warranty and one that fits your needs. Here are some of the benefits that you can see from a home warranty:
- Workmanship guarantee--A workmanship guarantee makes sure that even if a repair doesn't fix the problem, the home warranty provider will continue to help you find a solution. Without a home warranty policy, you may pay for a repair and then never see that contractor again.
- Fast response times--When you request a repair, a customer service representative will usually respond within a short period of time and schedule the repair soon.
- Quality contractors--Home warranty providers only work with qualified and experienced contractors. The contractors need to undergo certain training and qualifications to have a relationship with the home warranty provider. This can help make sure that your appliances and systems are properly cared for.
Home warranty companies can help protect you from large expenses, but you must also consider the following when thinking of getting a home warranty:
- Waiting period--If you want to file a claim right away, that generally isn't possible. Most home warranties require you to wait 30 days before you can request a repair.
- Exclusions--Home warranties typically come with exclusions and things they won't cover, such as pre-existing conditions or damage from lack of proper maintenance.
- Choice of contractor--If you want to be able to choose which contractor you get, you may have to go with a home warranty company that specifically allows that.
A home warranty can also raise the value of your home if you decide to sell since you can transfer it to the new owner.
FAQ's for Home Warranties in Ramona
What's the best home warranty company in Ramona?
Our overall pick for the best home warranty company in Ramona is Choice Home Warranty. However, the best company for you depends on what coverage you need for your appliances and systems.
When should I buy a home warranty?
Because home warranties generally have a 30-day waiting period before you can request service, you may want to purchase a home warranty as soon as possible to ensure coverage when you need it, especially if your home or appliances are on the older side.
What types of things does a home warranty generally cover?
A home warranty covers the repair and replacement costs for home systems and appliances. Home warranties only cover damage due to normal wear and tear and usually don't cover something that happened as a result of a pre-existing condition.
Who needs a home warranty?
A home warranty can help real estate agents, investors, home sellers, homeowners, and home buyers. It can provide 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.