5 Best Home Warranty Companies In Rancho Mirage, CA
If you're trying to find a comprehensive home warranty policy for your Rancho Mirage home, our guide can help you pick.
In Rancho Mirage, buying a home can be a rewarding, yet difficult endeavor. Living in a hot place like Rancho Mirage can put a lot of stress on your systems, particularly in the summer when you're running your A.C. a lot.
Compare the Best Home Warranty Companies in Rancho Mirage
There are plenty of home warranty policies for Rancho Mirage homeowners. Finding something that is a good fit for your needs can be a bit difficult. Luckily we have assessed things like coverage choices, pricing, service fees, customer service reviews, and more for each company to help you decide. Here's how the best providers in Rancho Mirage 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 Mirage
- 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 Mirage'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
For homeowners who need the best overall in Rancho Mirage, homeowners should consider choosing Choice Home Warranty. Choice has 2 simple plans, making the selection process quick and easy. The Basic Plan and Total Plan are the options the company has, and it also has add-on coverage.
Choice's service fees are $85, and the coverage limits come out to around $3,000 per system or appliance. When you purchase a plan 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 Mirage, American Home Shield offers the most customizable home warranty . The 3 plans from AHS are easily comprehensible and offer a mix of both system and appliance coverage. The ShieldSilver, ShieldGold, and ShieldPlatinum are the names of the company's plans, and it also has add-ons.
AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so it's important to check with the provider. Service fees range from $70 to $125. If you're looking for a customizable plan and a low claim denial rate, AHS is the perfect 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
For homeowners who need the most cost-effective in Rancho Mirage, Select Home Warranty is a great option. Select has 3 simple plans, making the selection process easy. The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.
The coverage limits from Select are around $2,000. The service fees are $80, which is pretty reasonable. When you purchase a home warranty from Select, you will get 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 Rancho Mirage, First American Home Warranty is the best appliance home warranty plan. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options. Its plans include Basic Plan and Premier Plan.
The coverage caps from First American are about $1,500. The service fees are $85, which is fairly affordable. First American has established itself 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
Cinch Home Services is the best workmanship guarantee home warranty in Rancho Mirage. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. Cinch Home Services' plans are Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
The coverage caps for Cinch's plans are close to the $1,000-$2,000 mark for many major home systems and appliances, and service fees range from $75 to $150. Additionally, Cinch has 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 Mirage?
A home warranty plan in Rancho Mirage is there to help when your home systems and appliances fail due to normal wear and tear. When you have a problem with a home system or appliance that has to be repaired or replaced because of normal wear and tear, your home warranty will step in and help pay for it. Each covered appliance or system in your policy will have its own details about the coverage.
There are many home systems that are commonly covered under a home warranty, such as:
- Water heater
- HVAC (heating and air conditioning)
- Electrical system
- Plumbing system
And the common appliances covered include:
- Cooktop
- Clothes Washer
- Clothes Dryer
- Built-in Microwave
- Oven / Range / Stove
- Refrigerator
- Dishwasher
Cost of a Home Warranty in Rancho Mirage?
Having a general idea of the average costs before doing your shopping can help ensure you get the best deal on your home warranty coverage. The cost will vary based on your coverage choices, the size of your home, and the service fee that you opt for.
Premiums can cost from $30 to $80 a month and service fees can be between $60 and $150 per contractor visit. How much it'll cost for sure depends on the plan's coverage. Something else that increases the cost is add-on coverage. Keep these numbers in mind as you search for the perfect plan for your needs.
Is a Home Warranty Worth It in Rancho Mirage?
Many people that sign up for a home warranty in Rancho Mirage are looking for cost savings. However, there are other benefits, as well as some potential drawbacks, of a home warranty that homeowners should be aware of. Let's go over the benefits first:
- Workmanship guarantee--This ensures that in case the issue with your appliance or system isn't fixed the first time, the home warranty will keep helping you with it.
- Fast response times--When you do not have a home warranty, you must look for a contractor, schedule with them, and hope they arrive on time to fix the problem. However, with the quick response times of a home warranty, you will likely have your appliance or system fixed in a 24-48 hour window.
- Quality contractors--There are many quality contractors in the Rancho Mirage area, but finding one that is suitable for your needs can be difficult. When you have a home warranty in place, the search for a contractor is handled for you since home warranty companies have relationships with contractors.
There are also some terms to consider about home warranties that could be a drawback for homeowners, like:
- Waiting period--If you want to file a claim right away, that generally isn't possible. Most home warranties have you wait 30 days before you can request a repair.
- Exclusions--When you purchase a home warranty policy, it will often have some exclusions in the contract. For example, if one of your appliances is already covered under a manufacturer's warranty, it may be excluded from the home warranty.
- Choice of contractor--If you have a preference for which contractor comes to your home for repairs, then you may need to avoid certain companies since they choose for you.
A home warranty can make your home more attractive to future buyers and help your home sell faster. This is because you can transfer the policy to the new owners.
FAQ's for Home Warranties in Rancho Mirage
What's the best home warranty company?
The best home warranty company in Rancho Mirage is Choice Home Warranty. Choice Home Warranty has good customer service and a large network of professional service technicians in the area.
What's the purpose of a home warranty?
A home warranty is a service contract designed to give homeowners coverage for their home systems and appliances, including garbage disposals, washing machines, refrigerators, dryers, dishwashers, plumbing, sump pumps, heating and cooling systems, electrical systems, water heaters, among others.
What is generally covered under a home warranty?
The systems and appliances in a home are covered under a home warranty plan in Rancho Mirage. The policy you purchase will affect which systems and appliances are covered, but everything from your fridge to your pool can be covered under a home warranty.
Should I get a home warranty policy?
First-time home buyers, homeowners, landlords, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save homeowners money in the long run.
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.