A home warranty is a way to protect your budget from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and allow you to live in your home with more peace of mind.
With hot summers, keeping your home appliances and systems working, specifically HVAC, are extremely important for homeowners in the Carmichael area of California.
Choosing the best home warranties on the market can be difficult because of the many options out there. If you are tired of trying to compare the different options, keep reading for our guide on the best home warranty companies in Carmichael.
Determining the best company for your home warranty is the first step toward protecting your property. Options can vary, so consider the following factors when picking a home warranty policy:
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 Carmichael, Choice Home Warranty offers the best overall home warranty. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it 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.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty Review.
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 Carmichael, Select Home Warranty offers the most cost-effective home warranty. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for you to decide between.
Select Home Warranty offers 3 plans for Carmichael homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.
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 Select Home Warranty full review.
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 offers the most customizable home warranty in Carmichael. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
American Home Shield offers 3 plans for Carmichael homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500.
Read our detailed review of American Home Shield to learn more. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 offers the best home warranty with the quickest service for Carmichael residents. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Carmichael homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered system or appliance.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our comprehensive review of The Home Service Club.
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 Carmichael, First American Home Warranty is the best home warranty for appliance coverage. If you're looking for very affordable and comprehensive appliance coverage, this is the provider for you. Plus, 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 home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $85.
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 full review.
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 offers the home warranty with the best workmanship guarantee for Carmichael residents. Cinch has around 43 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. With a home warranty from Cinch, you can enjoy 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. 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. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Carmichael area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Carmichael
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer breaks down and the repair is several hundred dollars, a home warranty will ensure that you only have to pay a predetermined service fee. Home warranty coverage often starts without an inspection and generally goes into place about thirty days after making your first payment.
When you have an issue with one of your appliances or systems, you can file a claim with your home warranty provider. Then, a customer service representative will contact you about a repair technician coming over to look at the issue. Once you submit the claim, it will be assigned to a local repair person that will come to your home and take a look at the problem. At this point, you pay the service fee. Service fees usually range in price from about $60 to $150 and this is the only out-of-pocket fee you will have to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty plan will cover systems and appliances that have stopped working due to normal wear and tear. For instance, if your washing machine suddenly stops working under normal use conditions, you can call your home warranty company. The appliances a home warranty typically covers include a microwave, cooktop, clothes washer, refrigerator, stove, dishwasher, clothes dryer, and more. The systems included are the air conditioner, heating system, water heater, plumbing, electrical, and more. You can also opt to pay a bit extra for add-on coverage for items like spas, septic systems, roof warranty, and swimming pools.
Carmichael homeowners should know that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like pre-existing conditions, misuse of a system or appliance, natural disasters, or cosmetic issues. You have to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related problem will be covered by the policy.
Temperatures in Carmichael can get quite high in the summer, which means your air conditioner is likely to get a lot of use. As a homeowner in Carmichael, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
Not only can a home warranty provide some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty handles the research by sending trusted professionals to your door when you need them most.
One drawback of getting a home warranty is that there are often exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it's important to read over any contracts you're considering carefully to get a sense of what is included and what isn't. In addition, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Although home warranties do have some things to bear in mind, no matter the season, a home warranty can help lower the inevitable hassle of dealing with home appliances and system repairs, giving you some peace of mind.
Hopefully, you now feel like you can choose the proper home warranty for your Carmichael home. The best provider in Carmichael is Choice Home Warranty. Its comprehensive coverage, fair pricing, and easy to understand policies make it a great home warranty for Carmichael homeowners.
The best home warranty company in Carmichael is Choice Home Warranty. Choice Home Warranty has a large network of professional technicians and a great reputation in the Carmichael area.
A home warranty is a type of service contract that gives homeowners extra coverage for their household systems and appliances. These include dishwashers, washing machines, refrigerators, dryers, garbage disposals, plumbing, heating and cooling systems, water heaters, sump pumps, and electrical systems, among others. Some plans also offer coverage for roofs, pools, ceiling fans, and garage door openers. A home warranty can help you save money if these items break down unexpectedly.
Home warranties cover issues with home systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a larger insurance that protects one's entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system breakage.
A home warranty plan can help home sellers, homeowners, investors, homebuyers, and real estate agents. It can provide peace of mind to anyone that is involved with homeownership.
Most home warranties will cover replacement costs in addition to repair costs. The coverage cap varies from one plan to the next. Home warranties will give you some money towards a replacement but the entire replacement may not be paid for.
The service fee is the price homeowner pay each time there is an issue with a home system or appliance. The service fees are typically priced between $60 and $150.
