5 Best Home Warranty Companies In Rio Linda, CA
We've reviewed the top home warranty providers in Rio Linda so you can choose the right one for your home easily.
Maintaining a home in Rio Linda can be costly. The cost of living for many is increasing, and even a simple appliance or system repair could impact a homeowner's budget.
Compare the Best Home Warranty Companies in Rio Linda
Rio Linda has access to several home warranty providers. Finding something that is the right fit for your home can be a bit of a challenge. Fortunately we have taken into consideration things like coverage choices, pricing, service fees, customer service reviews, and more for each provider to help you make a decision. Here is how each provider ranked.
| 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 Rio Linda
- 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
Rio Linda'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 offers the best overall home warranty policy for Rio Linda homeowners. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. Choice Home Warranty's plans include Basic Plan and Total Plan.
The coverage limits from Choice are about $3,000. The service fees are $85, which is fairly reasonable. Plus, Choice offers 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 is the best choice for homeowners who need the most customizable in Rio Linda. The 3 plans from AHS are easy to understand and offer a mix of both system and appliance coverage. American Home Shield's plans include ShieldSilver, ShieldGold, and ShieldPlatinum.
Service fees from AHS range from $70 to $125. The coverage caps are also generally about $2,500 for most appliances and systems. AHS has established itself as a provider with 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
For homeowners who'd like the most cost-effective in Rio Linda, homeowners should consider choosing Select Home Warranty. The 3 plans from Select are comprehensive and offer a mix of both system and appliance coverage. Homeowners can choose between Select Home Warranty's Bronze Care Plan, Gold Care Plan, and Platinum Care Plan and also add-ons.
The coverage caps associated with Select's plans are close to the $2,000 mark for many major appliances and systems, and service fees are $80. 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 has the best appliance home warranty in Rio Linda. The 2 plans from First American are easy to understand and offer both system and appliance coverage. Homeowners can choose between First American Home Warranty's Basic Plan and Premier Plan and also add-ons.
First American's service fees are $85, and the coverage caps come out to around $1,500 for each system or appliance. First American is known as a company 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
In Rio Linda, Cinch Home Services is the best workmanship guarantee home warranty option. The 3 home warranty plans that Cinch offers 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-ons.
Cinch's service fees range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 per covered appliance or system. 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 Rio Linda?
A home warranty will help you with systems and appliances in your home that get damaged due to normal wear. The Rio Linda home warranty can cover any system or appliance from a microwave to a water heater and everything in between. Some home warranties will even cover your home's roof should there be a leak.
Some of the most common system coverages included under a home warranty in Rio Linda are:
- HVAC (heating and air conditioning)
- Electrical system
- Plumbing system
- Water heater
As for appliances, the common ones covered are
- Clothes Washer
- Oven / Range / Stove
- Refrigerator
- Dishwasher
- Clothes Dryer
- Built-in Microwave
Cost of a Home Warranty in Rio Linda?
Rio Linda homeowners that are interested in saving money on the costs should have a general idea of what home warranty policies cost on average. With a home warranty plan, the size of your home and the number of covered items will influence the overall cost of the plan. Plans that cost more will usually have add-on coverages that increase the overall costs.
Generally, service fees can cost from $60 to $150 and monthly premiums from $30 to $80, depending on the type of coverage you choose. Plus, if you need any add-ons, that will raise the cost. Keeping these ranges in mind as you shop around will help ensure you get a great deal on your home warranty.
Is a Home Warranty Worth It in Rio Linda?
A home warranty in Rio Linda can give you quite a few benefits for homeowners. When an expensive plumbing repair could have cost $1500 to fix, your home warranty will often only have you paying the service fee. However, there are also some potential drawbacks you should consider when searching for a home warranty. Let's look at some benefits of having a home warranty first:
- Fast response times--When you request service, a customer service representative will usually respond within a 24 to 48-hour window and get a contractor to come soon.
- Quality contractors--There are plenty of quality contractors in the Rio Linda area, but finding one that is suitable for your needs can be a challenge. When you have a home warranty, the contractor situation is worked out for you since home warranty companies have relationships with contractors.
- Peace of mind--If you are constantly concerned about the next problem that'll come up regarding your home systems and appliances, a home warranty can help you give you some peace of mind.
- Workmanship guarantee--This guaranteed that in case the problem with your appliance or system isn't resolved the first time, the home warranty will keep assisting you with it.
The potential downsides of a home warranty are also something homeowners should know about. Here are some of them:
- Coverage limit--The coverage caps may be a downside for some because the home warranty will only cover repairs and replacements below a certain amount.
- Waiting period--If you want to submit a claim right away, that generally isn't possible. Most home warranties have you wait 30 days before you can request service.
- Exclusions--Read your contract with care to make sure you know what's included and not under the home warranty, like appliances that already have a manufacturer's warranty, pre-existing conditions, or damage due to natural disasters.
A home warranty can also provide value in different ways. To be more specific, some plans can be transferred from the seller to the buyer when selling your property.
FAQ's for Home Warranties in Rio Linda
What's the best home warranty company in Rio Linda?
Our overall pick for the top home warranty company in Rio Linda is Choice Home Warranty. However, the perfect company for you depends on what coverage you need for the appliances and systems in your home.
What's a home warranty?
A home warranty is a contract that can help save you money on repairing and replacing your major home system components and appliances if they break down unexpectedly.
How do you use a home warranty?
After you buy a home warranty plan and an appliance or system fails, you should submit a claim. The home warranty company will send a contractor to your home to evaluate the situation and repair the issue. Then, you pay a service fee and the home warranty covers the remaining cost, as long as it is under the coverage cap.
When can you use a home warranty after purchasing it?
Most home warranty plans have a 30-day waiting period before you can file claims, but some may allow you to file sooner. Be sure to check with the company about this if quicker coverage is a concern for you.
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.