6 Best Home Warranty Companies In Sacramento, CA

Are you searching for the best home warranty company for you in Sacramento? We can help.

Being a homeowner in Sacramento is a dream for many, but it also has its challenges. As a homeowner in Sacramento, you will inevitably have issues arising with your home systems and appliances that you'll have to deal with, and these can eat into your savings.

Compare the Best Home Warranty Companies in Sacramento

There are plenty of home warranty options for Sacramento homeowners. At Review Home Warranties, we surveyed all of these policies and compared things like time on the market, monthly costs, BBB ratings, coverage options, and more to help you decide. Here's how the best companies in Sacramento 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 Sacramento

  1. Choice Home Warranty: Best Overall
  2. American Home Shield: Most Customizable
  3. Select Home Warranty: Most Cost-Effective
  4. Cinch Home Services: Best Workmanship Guarantee
  5. The Home Service Club: Best Quick Service
  6. First American Home Warranty: Best Appliance

Sacramento's Top Home Warranty Companies'

#1 Choice Home Warranty

Editorial Rating 98.5

    Pros:
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
  • 90-day repair guarantee

In Sacramento, Choice Home Warranty offers the best overall home warranty policy. The 2 plans that Choice has include differing levels of system and appliance coverage, as well as add-on options. Homeowners can choose between Choice Home Warranty's Basic Plan and Total Plan and also add-on options.

Choice has coverage caps of around $3,000 for most systems and appliances, but with some plans, the coverage caps can be higher, so it's a good idea to check with the provider. Service fees are $85. If you want high coverage caps and a contract that's easy to understand, this is the plan for you.

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

#2 American Home Shield

Editorial Rating 97.6

    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 has the most customizable home warranty plan for Sacramento homeowners. AHS offers 3 plans for you to choose from, which have a mix of system and appliance coverage. Homeowners can choose between American Home Shield's ShieldSilver, ShieldGold, and ShieldPlatinum and also add-on options.

Service fees from AHS range from $70 to $125. The coverage caps are also typically around $2,500. When you have a home warranty from AHS, you can enjoy 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

#3 Select Home Warranty

Editorial Rating 97.2

    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 Sacramento, Select Home Warranty offers the most cost-effective home warranty option. The 3 plans from Select are easily comprehensible and offer a mix of both system and appliance coverage. Its plans are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.

The coverage caps for Select's plans are close to the $2,000 mark for most major systems and appliances, and service fees are $80. When you buy 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

#4 Cinch Home Services

Editorial Rating 96.5

    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 in Sacramento. Cinch has 3 simple plans, making the selection process quick and easy. Cinch Home Services' plans are Appliances Plan, Built-in Systems Plan, and Complete Home Plan.

The coverage caps from Cinch are about $1,000-$2,000. The service fees range from $75 to $150, which is fairly reasonable. Plus, 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

#5 The Home Service Club

Editorial Rating 95.3

    Pros:
  • 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

The Home Service Club is a good choice for homeowners who want the best quick service in Sacramento. The 2 plans from HSC are comprehensive and have a mix of both system and appliance coverage. The Standard Coverage Plan and Comprehensive Coverage Plan are the names of the company's plans, and it also offers add-ons.

Service fees from HSC are $60, $75, or $95, depending on the plan you choose. The coverage caps are also generally around $2,000. HSC has established itself as a provider with quick coverage just 10 days after purchasing the policy and a 30-day labor guarantee and a 90-day parts guarantee.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Standard Coverage Plan $50.40 $60.00 - $95.00

View Items Covered

Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater.

Standard Coverage Plan Included Item

View Add-on Items

Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer.

Standard Coverage Plan Add On

Comprehensive Coverage Plan $62.90 $60.00 - $95.00

View Items Covered

Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan.

Comprehensive Coverage Plan Included Item

View Add-on Items

Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer.

Comprehensive Coverage Plan Add On

#6 First American Home Warranty

Editorial Rating 94.7

    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

For homeowners who need the best appliance in Sacramento, First American Home Warranty is a good choice. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. Its plans are Basic Plan and Premier Plan.

First American's service fees are $85, and the coverage caps come out to around $1,500 per system or appliance. First American is known 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

What does a Home Warranty Cover in Sacramento?

Now that you know which home warranty providers are the best ones in Sacramento, you may be wondering what these plans generally cover. The home warranty is designed to help decrease the expenses related to repairing and replacing your systems and appliances like your microwave or HVAC. If your property has a pool and spa, this is something to consider as well.

Some of the most common systems covered under a home warranty in Sacramento are:

  • Plumbing system
  • Water heater
  • Electrical system
  • HVAC (heating and air conditioning)

And the common appliances covered include:

  • Refrigerator
  • Built-in Microwave
  • Clothes Washer
  • Clothes Dryer
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher

Cost of a Home Warranty in Sacramento?

The cost of a home warranty plan is something that you must think about when choosing a plan. Our team has done some thorough research to ensure you have an excellent understanding of what a home warranty in Sacramento will cost. The home warranty costs for Sacramento homeowners depends on the size or type of your home, as well as the kind of coverage you get.

Premiums can cost from $30 to $80 a month and service fees can be between $60 and $150 per visit. How much it'll cost exactly depends on the plan's coverage. Picking add-ons will also make the price higher. When looking for a home warranty, keeping these numbers in mind can help you choose the right plan for your budget.

Is a Home Warranty Worth It in Sacramento?

Many people that sign up for a home warranty in Sacramento are trying to save money. However, there are additional benefits, as well as some potential downsides, of a home warranty that homeowners should be aware of. Let's go over the benefits first:

  • Fast response times--Without a home warranty, you may have to wait longer than you'd like for a contractor to come assist you. But you can typically get service within a 24-48 hour period with a home warranty.
  • Workmanship guarantee--This guaranteed that in case the issue with your appliance or system isn't fixed the first time, the home warranty will keep assisting you with it.
  • 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.

Home warranty policies can help you save money, but you must also take the following into consideration when planning on getting a home warranty:

  • Exclusions--Read the contract thoroughly to be sure you understand what's excluded under the home warranty, like pre-existing conditions, appliances that already have a manufacturer's warranty, or damage due to natural disasters.
  • Waiting period--After taking out a home warranty plan, you usually have to wait around 30 days before coverage kicks in.
  • Coverage limit--The coverage limit determines how much the home warranty plan will pay for a repair or replacement. If you have to get service that goes over this amount, you will have to pay for the rest out of pocket.

Having a professional network of contractors is one of the pros of having a home warranty. This makes getting repairs super easy, since you won't have to look up contractors and call around for estimates.

FAQ's for Home Warranties in Sacramento

What's the best home warranty company?

The best home warranty provider in Sacramento is Choice Home Warranty. Choice Home Warranty has good customer service and an expansive network of experienced service technicians in the area.

What's the difference between a home warranty and homeowners insurance?

Home warranties cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different kind of insurance that protects your entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system repairs.

What types of things does a home warranty usually cover?

A home warranty policy covers the repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional damage or pre-existing conditions.

Do you really need a home warranty?

When a system or appliance breaks down, fixing it can leave you with a large expense you weren't expecting. With a home warranty policy, you'd just have to pay a predetermined service fee for the repair, which can save you money and provide 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.

Other Home Warranty Companies Near Me Articles