5 Best Home Warranty Companies In Tracy, CA
Our guide on the best home warranty companies in Tracy can help you find the perfect one for you.
Owning a home in Tracy can be a rewarding experience, but it also has its challenges. You have shelled out a lot of money for your house, so you'll want to keep it in the best condition you possibly can.
Compare the Best Home Warranty Companies in Tracy
Tracy has many home warranty companies to pick from. At Review Home Warranties, we reviewed all these policies and compared factors such as BBB ratings, time on the market, monthly costs, coverage options, and more to help you make your decision. Here is how they ranked.
| 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 Tracy
- 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
Tracy'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 Tracy, Choice Home Warranty is the best overall home warranty plan. The 2 plans from Choice are easy to understand and offer both system and appliance coverage. The plans that Choice offers to homeowners are Basic Plan and Total Plan.
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 important to ask the provider. Service fees are $85. Additionally, Choice offers 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
American Home Shield is the best option for homeowners who want the most customizable in Tracy. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. The ShieldSilver, ShieldGold, and ShieldPlatinum are the names of the company's plans, and it also has add-on options.
The coverage limits from AHS are about $2,500. The service fees range from $70 to $125, which is pretty reasonable. When you buy a policy from AHS, you will get 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
Select Home Warranty offers the most cost-effective home warranty in Tracy. Select offers 3 plans for homeowners to choose from, which have a combination of system and appliance coverage. Homeowners can choose between Select Home Warranty's Bronze Care Plan, Gold Care Plan, and Platinum Care Plan and also add-on options.
The coverage caps associated with Select's plans are close to the $2,000 mark for many major systems and appliances, and service fees are $80. When you purchase a home warranty from Select, you can look forward to 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
In Tracy, First American Home Warranty offers the best appliance home warranty plan. First American has 2 simple plans, making the selection process easy. First American Home Warranty's plans include Basic Plan and Premier Plan.
Service fees from First American are $85. The coverage caps are also about $1,500. If you're looking for 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., First American is the provider for you.
| 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 is a good option for homeowners who want the best workmanship guarantee in Tracy. The 3 plans from Cinch are easily comprehensible and have a mix of both system and appliance coverage. The home warranty plans from Cinch Home Services include Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for most of the major appliances and systems, and service fees range from $75 to $150. 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 Tracy?
A home warranty will assist you with systems and appliances that get damaged due to normal wear and tear. The Tracy home warranty can cover any system or appliance from a refrigerator to a heating system and everything in between. Some home warranties will even cover the roof should there be a leak.
Some of the most common system coverages included under a home warranty in Tracy include:
- Water heater
- HVAC (heating and air conditioning)
- Electrical system
- Plumbing system
Common appliances include:
- Clothes Dryer
- Built-in Microwave
- Dishwasher
- Oven / Range / Stove
- Refrigerator
- Clothes Washer
Cost of a Home Warranty in Tracy?
The cost of a home warranty plan is something that you must think about when picking a plan. Our team has done some thorough research to ensure that you have a good grasp of what a home warranty in Tracy will cost. With a home warranty, the size of your home and the number of covered items will influence the overall pricing of the plan. Plans at higher price points will typically have add-on coverages that raise the overall costs.
On average, home warranty premiums range from $30 to $80 a month and $60 to $150 for service fees. The exact number is based on which plan you want and what kind of coverage it has. Choosing add-ons will also make the price higher. Keep these amounts in mind as you look for the perfect plan for your needs.
Is a Home Warranty Worth It in Tracy?
Many homeowners signing up for a home warranty in Tracy are trying to save money. However, there are additional benefits, as well as some potential disadvantages, of a home warranty that homeowners should be aware of. Let's go over the benefits first:
- Peace of mind--If you are always worrying about the next expense that'll come up regarding your home systems and appliances, a home warranty can help you give you some peace of mind.
- Workmanship guarantee--A workmanship guarantee makes sure that even if a repair does not work, the home warranty company will continue to help you find a solution. Without a home warranty policy, you may pay for a repair and then never hear from that contractor again.
- Fast response times--If you don't have a home warranty, you must look for a contractor, book them, and hope they come on time to do the repair. But, with the fast response times of a home warranty, you will likely have your repair in a 24-48 hour period.
There are also some things to keep in mind about home warranties that could be a downside for homeowners, including:
- Waiting period--A home warranty's coverage typically only kicks in 30 days after getting the policy.
- Choosing a contractor--Most home warranty companies will choose a contractor for you. For some, this is a perk because it's easier and more convenient that way, but for others, this can be a disadvantage because they want to have the choice.
Together with money, a home warranty can save you a lot of time too. Rather than calling several repair technicians for estimates, you just have to call your home warranty provider and they'll deal with the repair for you for just a service fee.
FAQ's for Home Warranties in Tracy
What's the best home warranty company in Tracy?
The top home warranty provider in Tracy is Choice Home Warranty. Choice Home Warranty offers good customer service and a large network of professional contractors in the area.
What's the difference between a home warranty and homeowners insurance?
A home warranty plan covers the normal wear and tear of systems and appliances in a home. Homeowners insurance protects your home in a situation like a natural disaster or fire. With homeowners insurance, you won't be able to file a claim should you need a new refrigerator or oven, unless the damage is a result of a natural disaster.
What is usually covered under a home warranty?
A home warranty policy will cover the repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and usually don't cover something that happened as a result of a pre-existing condition.
Can a home warranty be transferred to someone else?
You can transfer your home warranty plan to someone else, like a homebuyer or a real estate agent.
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.