Written By David Cusick
Last Updated April 2024
Buying a home is a big step in many people’s lives, but the cost of maintaining it can be expensive over time, especially if your home in West Covina is on the older side. A home warranty policy can help protect homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the right warranty for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in West Covina. Keep reading for our home warranty recommendations.
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 West Covina. 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. The 2 policies that Choice offers include options for appliance and system coverage. When you buy 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.
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 system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our review of Choice Home Warranty.
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
Select Home Warranty is the most cost-effective home warranty in West Covina. 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. The 3 policies that Select offers include options for appliance and system coverage. When you buy 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.
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 system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting our review of Select Home Warranty.
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
American Home Shield is the most customizable home warranty in West Covina. 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. The 3 policies that AHS offers include options for appliance and system coverage. When you buy 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.
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 system or appliance.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our review of American Home Shield.
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
First American Home Warranty is the best home warranty for appliance coverage in West Covina. 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. The 2 policies that First American offers include options for appliance and system coverage. When you buy 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.
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 system or appliance.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting our review of First American Home Warranty.
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
Cinch Home Services is the home warranty with the best workmanship guarantee in West Covina. 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. The 3 policies that Cinch offers include options for appliance and system coverage. When you buy 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.
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 system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our review of Cinch Home Services.
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
The Home Service Club is the best home warranty with the quickest service in West Covina. 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. The 2 policies that HSC offers include options for appliance and system coverage. When you buy 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.
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 system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our review of The Home Service Club.
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 | $7,185 |
Heating | $4,790 |
Electrical | $719 |
Toilets | $599 |
Washer/Dryer | $958 |
Plumbing | $719 |
Oven | $1,916 |
Fridge | $719 |
A home warranty is a protection policy that assists West Covina homeowners reduce the high costs of household repairs. These plans provide financial coverage to fix or replace appliances and systems that stop working from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider 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 delivers peace of mind for homeowners by helping them avoid expensive emergency repairs. They're particularly valuable for those who own older homes or ones with aging systems. Newer builds with modern fixtures probably don’t require a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include washers, garbage disposals, refrigerators, microwaves, dryers, dishwashers, and more. Covered systems are typically electrical, plumbing, heating, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. West Covina homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Here are some key home warranty terms to understand before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty plans vary widely in what they include. Most plans provide protection for electrical, plumbing, AC, heating, and appliances. More comprehensive options also offer protection for other items such as roof leaks, spas, well pumps, 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.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with lower service fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Look at review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about providers. Good reviews and ratings suggest a company known for delivering quality service.
Home warranty companies keep networks of technicians to handle covered repairs. Larger networks raise the probability of getting qualified technicians to promptly service your home. Contact potential providers to find out how many contractors they have in West Covina to get a sense of how quickly your repairs could be handled in an emergency.
Some home warranty providers offer bonuses such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These perks can add value beyond repair coverage. Added bonuses can maximize the usefulness of the home warranty.
Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in West Covina hitting an average high of 71℃F, you may find that certain appliances, such as your air conditioning unit, get a lot of use. A home warranty can significantly decrease out-of-pocket expenses should your HVAC system stop working.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting a repair person 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. A home warranty can also offer value in other ways. For example, some plans can be transferred to another owner when you sell your home.
Home warranties also have some downsides. While it can give you less to worry about since the home warranty sends out a service technician who handles the repair for you, some may not like this, and they would prefer to choose a contractor themselves. If that’s important to you, some home warranty plans let you select a contractor.
Another downside is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your house floods, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty policy costs, on average, about $300 to $600 a year in West Covina. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger plan that protects the entire home from natural disasters, which can sometimes be a concern in West Covina. It doesn't cover a typical appliance or system repairs.
A home warranty plan can help homebuyers, real estate agents, investors, homeowners, and home sellers. It can provide peace of mind to anyone involved with homeownership.
The different kinds of home warranties in West Covina include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items listed in the plan.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, however, the home seller may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in West Covina is $778,855, a home warranty can be an added asset when buying a home.