5 Best Home Warranty Companies In Ripon, CA
If you're looking for a comprehensive home warranty plan for your Ripon home, our review guide can help you pick.
Ripon is a wonderful area in the state of California to own a home. Moving into a new home is only the beginning, though. You still have to maintain it, which can be quite costly. The cost of living for many is going up, and even a basic appliance or system repair could impact a homeowner's budget.
Compare the Best Home Warranty Companies in Ripon
There are lots of home warranties that need to be sorted through for us to compile our guide of the top home warranty plans in Ripon. We considered everything from BBB ratings to pricing to customer reviews to decide on the top home warranty plans in Ripon. These are the rankings for the best home warranty policies in the Ripon area.
| 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 Ripon
- 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
Ripon'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 Ripon, Choice Home Warranty offers the best overall home warranty . The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. Its plans include Basic Plan and Total Plan.
The coverage caps for Choice's plans are around the $3,000 mark for most of the major home systems and appliances, and service fees are $85. When you buy 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
For homeowners who want the most customizable in Ripon, American Home Shield is the best choice. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. Homeowners can choose between American Home Shield's ShieldSilver, ShieldGold, and ShieldPlatinum and also add-ons.
Service fees from AHS range from $70 to $125. The coverage caps are also typically around $2,500 for most appliances and systems. If you want a customizable plan and a low claim denial rate, AHS 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
For homeowners who want the most cost-effective in Ripon, Select Home Warranty is a great choice. The 3 home warranty plans that Select has include options for appliance and system coverage. Homeowners can choose between Select Home Warranty's Bronze Care Plan, Gold Care Plan, and Platinum Care Plan and also add-ons.
Service fees from Select are $80. The coverage caps are also around $2,000. When you have a home warranty from Select, you can enjoy 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 plan for Ripon homeowners. The 2 plans from First American are easily comprehensible and offer a mix of both system and appliance coverage. The plans that First American offers to homeowners are Basic Plan and Premier Plan.
First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so it's important to check with the provider. Service fees are $85. 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
Cinch Home Services has the best workmanship guarantee home warranty plan for Ripon residents. Cinch has 3 plans for homeowners to choose from, which contain a mix of 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.
The coverage caps for Cinch's plans are around the $1,000-$2,000 mark for most major home systems and appliances, and service fees range from $75 to $150. If you're looking for a 180-day workmanship guarantee and a wide range of coverage options, you'll want to have this plan on your side.
| 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 Ripon?
Now that you have a better idea of which home warranty companies are the top ones in Ripon, you may want to know what their plans typically cover. A home warranty in Ripon can cover any system or appliance from a refrigerator to a water heater and everything in between. Some home warranties will even cover your pool and spa.
There are several home systems that are usually covered under a home warranty, including:
- Water heater
- Electrical system
- Plumbing system
- HVAC (heating and air conditioning)
As for appliances, the common ones covered are
- Dishwasher
- Refrigerator
- Oven / Range / Stove
- Built-in Microwave
- Clothes Washer
- Clothes Dryer
Cost of a Home Warranty in Ripon?
The main advantage of having a home warranty is to save money. The policy you get needs to stick to your budget so it can be of financial benefit. The cost will vary based on the coverage choices, type of home, and the service fee that you opt for.
Generally, service fees range from $60 to $150 and monthly premiums from $30 to $80, depending on the type of coverage you choose. Also, if you need any add-ons, that will increase the cost. Keep these numbers in mind as you look for the perfect plan for your needs.
Is a Home Warranty Worth It in Ripon?
Many people that sign up for a home warranty in Ripon are trying to save money. However, there are other benefits, as well as some potential downsides, of a home warranty that homeowners should be aware of. Let's go over the benefits first:
- Quality contractors--There are plenty of quality contractors in the Ripon area, but finding one that is a good fit for your needs can be tricky. When you have a home warranty, the search for a contractor is handled for you since home warranty companies have relationships with contractors.
- Workmanship guarantee--After getting a repair, if the issue returns within the guarantee period, the home warranty will step in once again to help. The guarantee period is typically between 30 and 90 days.
- Peace of mind--If you are worried about your savings 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.
- Fast response times--Without a home warranty, you may have to wait longer than you'd like for a technician to come assist you. But you can often get service within a 24-48 hour period with a home warranty.
The potential disadvantages of a home warranty are also important to know about. Here are some of them:
- Waiting period--Coverage for a home warranty usually only begins 30 days after taking out the policy.
- Exclusions--Home warranties often come with exclusions and things they won't cover, such as pre-existing conditions or damage due to lack of proper maintenance.
- Choosing a contractor--For some, having the home warranty choose a contractor for you is a good thing, but others may want a choice of their own. Some home warranty companies allow this, so if that's a priority for you, be sure to opt for one of those.
Along with money, a home warranty can save you a lot of effort too. Rather than contacting several technicians for estimates, you just have to call your home warranty company and they'll handle the repair for you for only a service fee.
FAQ's for Home Warranties in Ripon
What's the best home warranty company?
Our overall pick for the top home warranty company in Ripon is Choice Home Warranty. However, the best company for you depends on the kind of coverage you need for the appliances and systems in your home.
What's the difference between a home warranty and homeowners insurance?
A home warranty protects against the normal wear and tear of home systems and appliances. A homeowners insurance plan protects your home in a situation like a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new washing machine or oven, unless the damage is due to a natural disaster.
When can I purchase a home warranty?
Since home warranties typically have a 30-day waiting period before you can use it, you may want to purchase a home warranty as soon as possible to make sure you have coverage when you need it, especially if you have an older home or older appliances.
Is a home warranty necessary?
When a system or appliance breaks down, fixing it can leave you with a sudden hit to your bank account. With a home warranty plan, you'd only have to pay a reasonable service fee for the repair, which can save you money and offer you some peace of mind.
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.