Written By David Cusick
Last Updated April 2024
Owning a house can have a lot of perks, but it can also come with some negatives like maintenance. The older your house’s appliances and systems are, the more you may want to consider getting a home warranty. A home warranty is a way to protect your savings account from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Finding the best home warranty on the market can be difficult, since there are lots of companies to choose from. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Yuba City for you.
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 Yuba City, Choice Home Warranty offers the best overall home warranty. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered system or appliance.
Read more by visiting our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or call 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 Yuba City, Select Home Warranty offers the most cost-effective home warranty. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are 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 around $2,000 per covered system or appliance.
Read more by visiting our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or call 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 Yuba City, American Home Shield offers the most customizable home warranty. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered system or appliance.
Read more by visiting our review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or call 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 Yuba City, First American Home Warranty offers the best home warranty for appliance coverage. The 2 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 per covered system or appliance.
Read more by visiting our review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or call 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 Yuba City, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are 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 around $1,000-$2,000 per covered system or appliance.
Read more by visiting our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or call 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 Yuba City, The Home Service Club offers the best home warranty with the quickest service. The 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are 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 around $2,000 per covered system or appliance.
Read more by visiting our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or call 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 | $6,412 |
Heating | $4,275 |
Electrical | $641 |
Toilets | $534 |
Washer/Dryer | $855 |
Plumbing | $641 |
Oven | $1,710 |
Fridge | $641 |
A home warranty is a protection policy that helps Yuba City homeowners reduce the high costs of household repairs. These plans provide financial protection to repair 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 company then arranges 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 reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are particularly useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances may not need a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as microwaves, refrigerators, garbage disposals, dishwashers, dryers, washers, and others. Covered systems include electrical, plumbing, air conditioning, and heating. Many home warranty companies also offer add-on coverage for locksmiths, central vacuums, roof leaks, and septic systems. Most home warranty plans require Yuba City homeowners to wait 30 days before the plan will cover repairs. Additionally, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Before signing a home warranty contract, you should learn key terms like:
There are several important factors to consider when choosing a home warranty provider:
Home warranty policies differ significantly in terms of coverage. Most plans cover plumbing, AC, electrical, heating, and appliances. More robust plans also include coverage for other items such as well pumps, pools, roof leaks, and spas. Look for companies with an assortment of coverage options, 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 more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's track record gives insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Positive reviews and ratings indicate a provider known for stellar service.
Home warranty companies have networks of local professionals to handle repairs in your area. Contact potential providers to find out how many repair contractors they have in Yuba City and get an idea for how quickly your repairs could take place in an emergency situation. Bigger networks increase the chances of getting qualified contractors to quickly service your home.
Home warranty companies often offer bonuses such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These extras add value beyond basic repair coverage. Added perks help maximize the usefulness of the home warranty.
Yuba City’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of vetting technicians on your own, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. A home warranty can also offer value in other ways. For instance, some plans can be transferred between owners during a home sale.
One main drawback of home warranties is not everything may be covered. It’s important to research the different plans and purchase one that covers all the appliances, systems, and add-ons you need.
Another thing to keep in mind is that some providers don’t cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty provider for clarification about this if you aren’t sure or if this is a problem for you.
A home warranty policy costs, on average, about $300 to $600 a year in Yuba City. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill 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 home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger insurance that protects an entire home from natural disasters, which might not be too much of a concern in Yuba City. It doesn't cover a normal appliance or system damage.
A home warranty policy can help homebuyers, home sellers, investors, homeowners, and real estate agents. It can provide peace of mind and savings to anyone involved with homeownership.
The different types of home warranties in Yuba City include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your systems and appliances, such as your dishwasher, washing machine, and HVAC. An appliance or system plan will cover only the specific items mentioned in the policy.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month plans as well.
Usually the homeowner is responsible for paying for the home warranty. In some cases, however, the one selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Yuba City is $451,606, a home warranty can save you some money when buying a home.