Written By David Cusick
Last Updated February 2024
Homeownership in Rialto comes with many benefits, but it also comes with its difficulties. Your home’s appliances and systems will eventually need repairs, and this could mean a burdensome expense. A home warranty can bring you the peace of mind you need and protect your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be challenging, as there are so many companies to decide between. That’s why our team at Today's Homeowner did the research and compiled a list of the best home warranty companies in Rialto for you.
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 is the best overall home warranty for Rialto residents. Choice has been in the home warranty business for around 15 years. When you purchase a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are comprehensive and have a mix of both system and appliance coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Rialto area.
For a more detailed breakdown, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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 is the most cost-effective home warranty for Rialto residents. Select has been in the home warranty business for around 11 years. When you purchase a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are comprehensive and have a mix of both system and appliance coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Rialto area.
For a more detailed breakdown, read our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
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 is the most customizable home warranty for Rialto residents. AHS has been in the home warranty business for around 26 years. When you purchase a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and have a mix of both system and appliance coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Rialto area.
For a more detailed breakdown, read our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 is the best home warranty for appliance coverage for Rialto residents. First American has been in the home warranty business for around 39 years. When you purchase a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 2 plans from First American are comprehensive and have a mix of both system and appliance coverage.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is lower than other providers in the Rialto area.
For a more detailed breakdown, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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 is the home warranty with the best workmanship guarantee for Rialto residents. Cinch has been in the home warranty business for around 44 years. When you purchase a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Rialto area.
For a more detailed breakdown, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
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 is the best home warranty with the quickest service for Rialto residents. HSC has been in the home warranty business for around 15 years. When you purchase a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are comprehensive and have a mix of both system and appliance coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Rialto area.
For a more detailed breakdown, read our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 | $6,719 |
Heating | $4,479 |
Electrical | $672 |
Toilets | $560 |
Washer/Dryer | $896 |
Plumbing | $672 |
Oven | $1,792 |
Fridge | $672 |
A home warranty is a protection policy that assists Rialto homeowners in reducing the costs of appliance and system repairs. The plans provide coverage to replace or repair appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is especially helpful for those living in older houses or houses with systems near the end of their life span. However, homeowners with newer homes and modern appliances might not require a home warranty.
Home warranties cover your household systems and appliances. Covered appliances normally include garbage disposals, washers, dryers, microwaves, refrigerators, dishwashers, and more. Covered systems include electrical, heating, plumbing, and air conditioning. Many home warranty companies also provide add-on coverage for roof leaks, locksmiths, central vacuums, and septic systems. Rialto homeowners should know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, natural disasters, cosmetic issues, or improper use of a system or appliance. It's important to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by your policy.
There are a number of home warranty terms to understand before signing an agreement, including:
There are several important factors to consider when choosing a home warranty provider:
Home warranties differ greatly in the items covered. Basic plans typically include plumbing, heating, electrical, AC, and appliances, while more comprehensive plans may also cover well pumps, pools, roof leaks, and spas. Look for providers with an array of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per claim you submit. The per-request costs can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some providers also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty provider's reputation can give you insight into things such as contractor quality, repair timeliness, approval rates, and customer service. Check review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Good ratings and feedback indicate a company known for exceptional service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Reach out to potential providers to learn the number of repair specialists they have in Rialto and get an idea of how quickly your repairs could be handled in an emergency. Larger networks raise the probability of getting qualified contractors to promptly service your home.
Home warranty companies might offer bonuses such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These add value beyond just repair coverage. Additional perks can maximize the usefulness of your home warranty.
Since temperatures in Rialto can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Having a home warranty can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
A home warranty also saves you time and energy. Instead of spending hours researching and selecting a technician to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Plus, having a home warranty can help make your house more appealing to potential homebuyers should you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you’ve been receiving.
Home warranties also have some drawbacks. Although it can give you less to worry about since the home warranty sends out a repair technician who carries out the repair for you, some people may not like this, and they would prefer to select a contractor themselves. If that’s important to you, some home warranty companies let you choose a contractor.
Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They most likely won’t cover systems or appliances that have been damaged due to natural disasters, improper maintenance, animal infestations, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Rialto. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects the entire home from natural disasters, which might not be too much of a concern in Rialto. It doesn't cover a typical appliance or system breakage.
Homebuyers, home sellers, homeowners, real estate agents, and landlords are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
A home warranty plan can cover your home’s systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Home warranty plans usually offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Rialto, where the median home value is $540,351, having the seller pay for the home warranty can save you some money on your new home.