5 Best Home Warranty Companies In Rancho Cordova, CA
We've compiled a list of the top home warranty companies in Rancho Cordova so you can find the right one for your home easily.
Rancho Cordova is a nice area in the state of California to be a homeowner. Closing on a new home is only the beginning, though. You still have to maintain it, which can be quite costly. It's a pain when you really need your A.C. in the summer and it stops working unexpectedly.
Compare the Best Home Warranty Companies in Rancho Cordova
Rancho Cordova is home to plenty of home warranty companies to pick from. At Review Home Warranties, we took the time to evaluate each of these companies and ranked them based on the plan's features. The customer service reviews, service fees, monthly costs, workmanship guarantee, and years in the industry were all analyzed to figure out the very best plans in the Rancho Cordova area. This is how the top policies in Rancho Cordova 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 Rancho Cordova
- 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
Rancho Cordova'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
Choice Home Warranty is the best option for homeowners who want the best overall in Rancho Cordova. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. The Basic Plan and Total Plan are the options the company has, and it also offers add-on coverage.
Choice's service fees are $85, and the coverage caps come out to about $3,000 per appliance or system. When you buy a policy from Choice, you will get 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
In Rancho Cordova, American Home Shield is the most customizable home warranty plan. AHS has 3 simple plans, making the selection process quick and easy. The home warranty plans from American Home Shield include ShieldSilver, ShieldGold, and ShieldPlatinum.
The coverage caps from AHS are about $2,500. The service fees range from $70 to $125, which is pretty affordable. If you're looking for a customizable plan and a low claim denial rate, this is the provider for you.
| 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 Rancho Cordova, Select Home Warranty is the most cost-effective home warranty option. The 3 plans that Select offers include options for appliance and system coverage. The home warranty plans from Select Home Warranty include Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.
Select's service fees are $80, and the coverage caps come out to about $2,000 per appliance or system. Additionally, 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
First American Home Warranty offers the best appliance home warranty in Rancho Cordova. First American has 2 simple plans, making the selection process easy. The plans that First American offers to homeowners are Basic Plan and Premier Plan.
Service fees from First American are $85. The coverage caps are also generally around $1,500 for most systems and appliances. When you have a home warranty from First American, you can enjoy 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
In Rancho Cordova, Cinch Home Services is the best workmanship guarantee home warranty plan. The 3 policies that Cinch has include options for appliance and system coverage. Homeowners can choose between Cinch Home Services' Appliances Plan, Built-in Systems Plan, and Complete Home Plan and also add-on coverage.
Cinch has coverage caps of around $1,000-$2,000 for most systems and appliances, but some plans may have different coverage caps, so it's a good idea to check with the provider. Service fees range from $75 to $150. With a home warranty from Cinch, you can enjoy 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 Rancho Cordova?
Now that you know of the best home warranty companies in Rancho Cordova, it's a good idea to take a look at what these home warranties can actually cover. A home warranty is in place to protect against normal wear and tear of systems and appliances. A home warranty helps protect you against unexpected repair expenses. Home warranties will also assist with replacement costs in some instances when an appliance or system cannot be repaired.
Some of the most common system coverages included under a home warranty in Rancho Cordova include:
- Electrical system
- Water heater
- HVAC (heating and air conditioning)
- Plumbing system
Common appliances covered under Rancho Cordova home warranties include:
- Cooktop
- Clothes Washer
- Built-in Microwave
- Dishwasher
- Clothes Dryer
- Oven / Range / Stove
- Refrigerator
Cost of a Home Warranty in Rancho Cordova?
Having an idea of what a home warranty costs before doing your shopping can help ensure you get the best deal on the home warranty you choose. The costs associated with a home warranty plan will vary based on the size of the home and the coverages that you pick.
On average, premiums range from $30 to $80 per month and service fees from $60 to $150. The exact cost depends on the plan you choose and how much coverage it has. Plus, if you choose any add-ons, that will increase the cost. Homeowners who are shopping for a deal can use these numbers to help find the best overall pricing on the market.
Is a Home Warranty Worth It in Rancho Cordova?
A home warranty in Rancho Cordova can give you quite a few benefits for homeowners. When an expensive HVAC repair could have cost a thousand or more to fix, your home warranty will often only have you paying the service fee. But on the other hand, there are also some potential downsides you should take into consideration when searching for a home warranty. Let's look at some benefits of having a home warranty in place first:
- Workmanship guarantee--A workmanship guarantee makes sure that even if a repair does not work, the home warranty provider will continue to work with you to find a solution. Without a home warranty policy, you may pay for the repair and then never hear from that contractor again.
- Quality contractors--There are plenty of quality contractors in the Rancho Cordova area, but finding one that is suitable for your needs can be a challenge. When you have a home warranty, the search for a contractor is taken care of for you since home warranty companies have connections with contractors.
- Peace of mind--If you are worried about your expenses and being able to afford an extensive repair or replacement, a home warranty can help with that. Home warranties are designed to give homeowners peace of mind.
Home warranty policies can help you save money, but you should also consider the following when planning on getting a home warranty:
- Choosing a contractor--For some, having the home warranty choose a contractor for you is an advantage, but others may want the ability to choose their own. Some home warranty providers allow this, so if that's important to you, be sure to opt for one of those.
- Waiting period--Many home warranty companies make you wait 30 days before you can file a claim.
If you're new to the area and aren't sure which contractors are the good ones, purchasing a home warranty could be useful since it will find and send contractors to you.
FAQ's for Home Warranties in Rancho Cordova
What's the best home warranty company?
Our overall pick for the top home warranty company in Rancho Cordova is Choice Home Warranty. However, the perfect company for you depends on the kind of coverage you need for your appliances and home systems.
What's a home warranty?
A home warranty is a contract that can help save you money on the repairs and replacements of your major home system components and appliances if they break down unexpectedly.
Should I purchase a home warranty now?
Since home warranties usually 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.
Can I transfer my home warranty to someone else?
You can transfer your home warranty to someone else, including a homebuyer or a real estate agent.
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.