Written By David Cusick
Last Updated April 2024
Being a homeowner in Truckee is an excellent option for those who like nature and quiet neighborhoods. However, as great as Truckee is, homeownership always comes with its fair share of difficulties, such as trying to handle your appliance and system repairs yourself. A home warranty in Truckee can help bring down your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that stop working due to normal wear and tear.
Finding the best home warranty on the market can be difficult because of the many options out there. If you're frustrated with trying to compare them all, keep reading for our guide to the top home warranty companies in Truckee.
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
In Truckee, Choice Home Warranty is the best overall home warranty. Choice is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for homeowners to decide between.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 per covered appliance or system.
Read more by visiting our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
Basic Plan
Total Plan
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
In Truckee, Select Home Warranty is the most cost-effective home warranty. Select is a home warranty company with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for homeowners to decide between.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered appliance or system.
Read more by visiting our Select Home Warranty full review. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
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
In Truckee, American Home Shield is the most customizable home warranty. AHS is a home warranty company with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for homeowners to decide between.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered appliance or system.
Read more by visiting our American Home Shield full review. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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
In Truckee, First American Home Warranty is the best home warranty for appliance coverage. First American is a home warranty company with 39 years of experience in the industry, and it has established itself as one of the best providers in the business. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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. First American has 2 plans for homeowners to decide between.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to about $1,500 per covered appliance or system.
Read more by visiting our First American Home Warranty full review. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Basic Plan
Premier Plan
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
In Truckee, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch is a home warranty company with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 plans for homeowners to decide between.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered appliance or system.
Read more by visiting our Cinch Home Services full review. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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
In Truckee, The Home Service Club is the best home warranty with the quickest service. HSC is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 plans for homeowners to decide between.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered appliance or system.
Read more by visiting our The Home Service Club full review. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
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:
Home Appliance | Repair Cost |
---|---|
Air Conditioner | $7,328 |
Heating | $4,886 |
Electrical | $733 |
Toilets | $611 |
Washer/Dryer | $977 |
Plumbing | $733 |
Oven | $1,954 |
Fridge | $733 |
A home warranty is a protection plan that helps Truckee homeowners reduce the high costs of household repairs. These plans provide financial coverage to fix or replace appliances and systems that break down from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid high-priced emergency repairs. The coverage is especially helpful for owners of older houses or houses with systems near the end of their life span. However, people with newer homes and working appliances may not need a home warranty.
Home warranties help protect both your home systems and appliances. Common appliances covered under a home warranty include washers, dryers, dishwashers, refrigerators, garbage disposals, microwaves, and others. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranty plans offer additional add-on coverage options for septic systems, central vacuums, locksmiths, and even roof leaks. It's important for Truckee homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
There are multiple home warranty terms to know before signing an agreement, including:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage varies widely in the items that are included. Most plans include protection for AC, electrical, heating, plumbing, and appliances. More robust coverage options also offer coverage on other items such as well pumps, roof leaks, spas, and pools. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with more affordable fees to maximize savings. Some companies also eliminate deductibles when customers have a claim-free period.
A home warranty provider's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. Larger networks improve the likelihood of getting skilled contractors to your home quickly. Contact possible providers to find out how many repair professionals they have in Truckee. This helps you understand how long repairs may take in an urgent situation.
Certain home warranty companies offer extras such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These bonuses can offer extra value beyond repair coverage. Added perks can enhance your home and maximize your home warranty.
Since temperatures in Truckee can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty policy can help homeowners save money if one of these systems or appliances stops working unexpectedly.
A home warranty also saves you time and energy. Instead of spending hours finding and choosing a technician to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Another good thing about having a home warranty is if you want to sell your home, you can most likely transfer your home warranty policy to the new owners. It can make your home more attractive to potential homebuyers and may help your house sell faster.
As for the negatives of home warranties, system and appliance coverage varies by provider, so it’s important to understand what each plan covers and doesn’t include in the contract.
Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They commonly won’t cover systems or appliances that have stopped working due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty costs, on average, about $300 to $600 a year in Truckee. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover problems related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of plan that protects an entire home from natural disasters, which might not be too much of a concern in Truckee. It doesn't cover a normal appliance or system breakage.
Homebuyers, landlords, homeowners, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty plan will cover your home’s 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're concerned about one more than the other.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Usually the one who owns the home pays for the home warranty. In some cases, though, the one selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Truckee is $1,003,615, a home warranty can save you some money when buying a home.