5 Best Home Warranty Companies In Sacramento, CA
With our guide on the top home warranty policies in Sacramento, choosing the perfect one for your home will be easy.
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.
Compare the Best Home Warranty Companies in Sacramento
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 |
Home Warranty Companies In Sacramento
- 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
Sacramento'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 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 |
- 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 |
- 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 |
- 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 |
- 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 |
What does a Home Warranty Cover in Sacramento?
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:
- Plumbing system including stoppages
- Water heater
- HVAC (heating and air conditioning)
- Garbage disposal
- Electrical system
- HVAC ductwork
- Ceiling and exhaust fans
Common appliances covered under Sacramento home warranties include:
- Oven / Range / Stove
- Built-in Microwave
- Dishwasher
- Clothes Dryer
- Refrigerator
- Clothes Washer
- Cooktop
Cost of a Home Warranty in Sacramento?
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.
Is a Home Warranty Worth It in Sacramento?
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:
- Workmanship guarantee--If you're still experiencing issues with your appliance or system after a contractor repaired it, the workmanship guarantee makes sure that you will keep getting service if the issue occurs again within the guarantee period.
- Peace of mind--As a homeowner, you may be worried about your refrigerator or stovetop breaking down at any given time. Your home warranty can give you some peace of mind that in the event that something breaks, it will be covered.
- Fast response times--When you request a repair, a customer service representative will typically respond within a short period of time and schedule the repair soon.
Home warranty companies can help you save money, but you should also take the following into consideration when you have a home warranty:
- Waiting period--Most home warranties have you wait 30 days before you can submit a claim.
- Coverage limit--The coverage limit dictates how much the home warranty policy will cover for a repair or replacement. If you have to get a repair that goes over this amount, you will have to pay for the rest yourself.
- Exclusions--Make sure you take a look at the home warranty contract to see what the exclusions are. They can include things like pre-existing conditions, appliances covered under a manufacturer's warranty, or intentional damage.
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.
FAQ's for Home Warranties in Sacramento
Which home warranty company is the best?
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.
What's the difference between a home warranty and homeowners insurance?
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.
What is commonly covered under a Sacramento home warranty?
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.
Is a home warranty necessary?
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.
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.