Expert Advice On Improving Your Home

6 Best Home Warranty Companies in Salida, CA

Written By David Cusick

Last Updated February 2024

Owning a home can have many benefits, but it can also come with some downsides like maintenance. The older your house’s appliances and systems are, the more likely it is that you'll benefit from a home warranty. A home warranty can give you the peace of mind you need and guard your bank account from large expenses by covering your home’s major appliances and systems.

The home warranty market has many providers — all with different plans — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Salida.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

The 6 Best Home Warranty Companies in Salida

Choice Home Warranty

Over 10 years of experience

24/7 customer service team

Home inspections aren’t required

90-day repair guarantee

Plans aren’t customizable

Customers can’t choose their own contractor

Not available in washington

Choice Home Warranty is the best overall home warranty in Salida. Choice has been in business for around 15 years, making it a highly regarded company in the industry. When you purchase a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are comprehensive and offer both system and appliance coverage.

The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Salida area.

To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our Choice Home Warranty Review.

Basic Plan

Total Plan

Service fee: $85.00 Monthly cost: $45.00
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer
Service fee: $85.00 Monthly cost: $53.33
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 Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer

Select Home Warranty

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

Has a $75 cancellation fee

Low coverage caps

Select Home Warranty is the most cost-effective home warranty in Salida. Select has been in business for around 11 years, making it a highly regarded company in the industry. When you purchase a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are comprehensive and offer both system and appliance coverage.

The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Salida area.

To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our Select Home Warranty Review.

Bronze Care Plan

Gold Care Plan

Platinum Care Plan

Service fee: $60.00 Monthly cost: $57.67
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $57.67
Items covered: Air Conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $62.08
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer , Air conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater , Ceiling fan , Garage door , Plumbing stoppages Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks

American Home Shield

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

Doesn’t let customers choose their own technician

Doesn’t provide coverage in alaska

American Home Shield is the most customizable home warranty in Salida. AHS has been in business for around 26 years, making it a highly regarded company in the industry. When you purchase a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and offer both system and appliance coverage.

The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Salida area.

To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield Review.

ShieldSilver

ShieldGold

ShieldPlatinum

Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27
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 Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27
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 Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27
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 Add-on items: Pool , Spa , PC , TV , Septic , Well pump

First American Home Warranty

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

Doesn’t let customers choose their own contractor

According to some customer reviews, the technical jargon in contracts is confusing

First American Home Warranty is the best home warranty for appliance coverage in Salida. First American has been in business for around 39 years, making it a highly regarded company in the industry. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which 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. The 2 plans from First American are comprehensive and offer both system and appliance coverage.

The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Salida area.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our First American Home Warranty Review.

Basic Plan

Premier Plan

Service fee: $85.00 Monthly cost: $38.00
Items covered: Attic fans , Ceiling fans , Cooktop exhaust fan , Dishwasher , Disposal , Dryer , Microwave , Oven , Refrigerator , Trash compactor , Washer , Water dispenser Add-on items: Pool , Spa , Air conditioner , Septic tank , Septic , Well pump , First-class upgrade
Service fee: $85.00 Monthly cost: $48.50
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 Add-on items: Pool , Spa , Air conditioner , Septic tank , Septic , Well pump , First-class upgrade

Cinch Home Services

Offers home insurance deductible of $500

Extra long 180-day workmanship guarantee

Offers free cancellation in the first 30 days

Charges high service fees of $75-$150

Doesn’t allow customers to choose their own technician

Isn’t available in hawaii or alaska

Cinch Home Services is the home warranty with the best workmanship guarantee in Salida. Cinch has been in business for around 44 years, making it a highly regarded company in the industry. When you purchase a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage.

The 3 plans from Cinch Home Services 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 are customizable and range from $75 to $150, which is cheaper than other providers in the Salida area.

To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services Review.

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99
Items covered: Cooktop exhaust fan , Dishwasher , Dryer , Food center , Free-standing ice maker , Microwave , Oven , Refrigerator , Refrigerator ice maker , Trash compactor , Washer Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99
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 Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99
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 Add-on items: Pool , Septic , Well pump

The Home Service Club

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

Higher service fee of $95

Not accredited by the better business bureau (bbb)

Only 2 plan options

The Home Service Club is the best home warranty with the quickest service in Salida. HSC has been in business for around 15 years, making it a highly regarded company in the industry. When you purchase a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are comprehensive and offer both system and appliance coverage.

The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Salida area.

To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our The Home Service Club Review.

Standard Coverage Plan

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00 Monthly cost: $50.40
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 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
Service fee: $60.00 - $95.00 Monthly cost: $62.90
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 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
Today's Homeowner Ranking Methodology

Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:

  • Company Experience
  • Real User Reviews
  • Company Reputation
  • Accreditations and Licenses
  • Service Area
  • Customer Service
Have questions about our methodology or company ratings? Reach out to FindAPro@TodaysHomeowner.com.

Cost of Common Home Repairs in Salida

Home Appliance Repair Cost
Air Conditioner $6,790
Heating $4,527
Electrical $679
Toilets $566
Washer/Dryer $905
Plumbing $679
Oven $1,811
Fridge $679

How Does a Home Warranty Work?

A home warranty is a protection policy that helps reduce the high costs for Salida homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that break due to normal wear and tear.

Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty provides security for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who own older homes or ones with aging systems. Newer homes with functional fixtures probably don’t need a home warranty.

What Does a Home Warranty Cover?

Home warranties safeguard your home systems and appliances. Common covered appliances include garbage disposals, microwaves, dishwashers, washers, refrigerators, dryers, and more. Covered systems include air conditioning, plumbing, heating, and electrical. Many home warranties offer additional add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. It's important for Salida homeowners to know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like pre-existing conditions, natural disasters, cosmetic issues, or damage caused by improperly using a system or appliance. It's important to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by your policy.

Key Home Warranty Terms to Know

Before agreeing to a home warranty contract, you should know key terms like:

  • Claim approval: The process a provider uses to validate that a requested repair or replacement is covered under your plan.
  • Endorsements: Optional add-ons that expand coverage for additional systems like well pumps, pools, septic, and more. Endorsements typically cost an additional fee.
  • Contract rate: The pre-negotiated rate a home warranty company has with its contractors. This rate is usually less than typical retail costs.
  • Deductible: How much you pay for a covered repair before your warranty covers the rest. Deductibles can be per-claim or yearly.
  • Trade call fee: An added fee that you'll sometimes need to pay for appliance-related claims.
  • Service fee: The amount you pay our of pocket per claim for access to a contractor and repair coverage.
  • Coverage limits: Dollar limits that cap how much the warranty will pay for certain repairs or replacements. Check limits on air conditioning units, appliances, roof leaks, and similar repairs.
Keeping these terms and key points in mind will help you understand home warranty contracts and pricing, so you can pick the right plan and protect your most important home systems. Discuss coverage details with potential companies when you get a quote to avoid surprise fees.

Key Factors in Choosing a Home Warranty Company

There are several key factors to consider when choosing a home warranty provider:

Coverage Options

Home warranties differ greatly in the items covered. Basic plans typically include AC, heating, plumbing, electrical, and appliances, while more comprehensive plans may also cover pools, well pumps, roof leaks, and spas. Look for a company that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.

Service Fees

With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per claim you submit. These per-claim charges can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some firms also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.

Reputation

A home warranty provider's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Good ratings and reviews indicate that a company is known for quality service.

Contractor Network

Home warranty companies use networks of local repair contractors to manage repairs in a given area. Contact potential providers to learn the number of repair professionals they have in Salida and get an idea of how quickly your repairs could be handled in an emergency. Larger networks increase the likelihood of getting qualified contractors to quickly service your home.

Added Benefits

Certain home warranty companies offer perks such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These bonuses offer extra value beyond repair coverage. Added perks help improve your home and maximize your home warranty.

Is a Home Warranty Worth it in Salida?


Benefits of a Home Warranty

Salida’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.

Plus, having a home warranty can save you some time by getting rid of the need to research repair people — most companies will send a trusted professional right to your door to complete the necessary repair or replacement. Another added benefit of having home warranty coverage is that it can raise your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.

Downsides of a Home Warranty

There are also some negatives to getting a home warranty plan, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.

Another thing to take into consideration is that some providers don’t cover pre-existing problems and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about this if you aren’t sure or if this is an issue for you.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

Frequently Asked Questions About Home Warranty in Salida, CA

A home warranty costs, on average, around $300 to $600 a year in Salida. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly.

Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects the entire home from natural disasters, which can sometimes be a concern in Salida. It doesn't cover a typical appliance or system repairs.

A home warranty can help homeowners, investors, real estate agents, homebuyers, and home sellers. It can provide peace of mind and savings to anyone involved with homeownership.

A home warranty can cover your systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.

Home warranty plans usually provide coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.

Generally, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Salida, where the median home value is $479,245, having the seller pay for the home warranty can save you some money on your new home.

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