Sacramento is a wonderful area in the state of California to be a homeowner. Buying a new home is only the beginning, though. You still have to maintain it, which can be quite costly. With the cost of living slowly going up, having to repair or replace your appliances can really put a lot of stress on you.
There are a decent amount of home warranty policies for Sacramento homeowners. At Review Home Warranties, we surveyed all these plans and compared factors like BBB ratings, coverage options, time on the market, monthly costs, and more to help you make your decision. Here's how the top companies in the Sacramento area 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 |
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 |
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 |
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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 |
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 |
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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 |
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 |
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 |
A home warranty will cover your systems and appliances and the normal wear that they can experience. A home warranty in Sacramento can cover any system or appliance from a refrigerator to a heating system and everything in between. Some home warranties will even cover your home's roof should there be a leak.
These are the systems that are often covered under a home warranty:
Common appliances covered under Sacramento home warranties include:
Sacramento homeowners that want to save money on the costs should have a general idea as to what home warranty policies cost on average. With a home warranty policy, the size of your home and what systems and appliances are covered will influence the overall pricing of the plan. Plans that cost more will typically have add-on coverages that raise the overall costs.
Your premium can be from $30-$80 a month, and $60-$150 for the service fee you'll pay each time a contractor visits your home. The exact amount you'll pay depends on the kind of coverage the plan has. Add-on coverage will also raise how much it costs overall. Keep these figures in mind as you look through the plan options available to you.
Many homeowners signing up for a home warranty in Sacramento are trying to save money. However, there are other benefits, as well as some potential disadvantages, of a home warranty that homeowners should be aware of. Let's go over the benefits first:
Home warranty companies can help you save money, but you should also take the following into consideration when you have a home warranty:
A home warranty can make your property more attractive to prospective buyers and help your home sell quicker. This is because you can transfer the policy to the new owners.
The best home warranty provider in Sacramento is Choice Home Warranty. Choice Home Warranty has good customer service and an expansive network of professional repair technicians in the area.
Home warranty policies cover issues with systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a different insurance that protects the entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system breakage.
A home warranty plan covers the repair and replacement costs for your home systems and appliances. Home warranties will not cover the intentional damage or pre-existing conditions.
When a system or appliance breaks down, fixing it can leave you with an unexpected large expense. With a home warranty plan, you'd only have to pay a reasonable service fee for the repair, which can save you money and provide you some peace of mind.
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:
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.