When one of your systems or appliances stops working, a home warranty will step in and help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less anxious about homeownership.
With hot summers, working home appliances and systems, particularly HVAC, are extremely important for homeowners in the Encinitas area of California.
Finding the best home warranty plan for your Encinitas home can be time-consuming, so our team at House Method did the research for you to help you find the best home warranty in Encinitas. Read on for our home warranty recommendations and learn which plan works best for your home.
Picking the best home warranty in Encinitas for you comes down to the type of coverage you need, the home warranty company you go with, and where you live, among other factors. When trying to figure out which home warranty provider is the right fit for you, here are some important factors to keep in mind:
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 Encinitas, Choice Home Warranty offers the best overall home warranty. Choice has 2 plans for you to choose from. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.
Read our Choice Home Warranty full review to learn more. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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 offers the most cost-effective home warranty for Encinitas residents. Select has more than 10 years of experience in the home warranty market and in that time has built a a skilled network of service professionals nationwide. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Encinitas area.
For a more detailed breakdown, read our Select Home Warranty full review. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
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 for Encinitas residents. 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 offers 3 plans for you to decide between.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield full review.
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 Encinitas, The Home Service Club is the best home warranty with the quickest service. The 2 plans from HSC are easy to understand and have a mix of both system and appliance coverage. 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.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
Read more by visiting our detailed 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.
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 offers the best home warranty for appliance coverage in Encinitas. The 2 plans that First American has include differing levels of system and appliance coverage, as well as add-on options. 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the Encinitas area.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For a more detailed breakdown, read our review of First American Home Warranty.
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 Encinitas, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 plans from Cinch are easily comprehensible and offer a mix of both system and appliance coverage. When you buy a plan 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 around $1,000-$2,000 for each covered appliance or system.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information, read our review of Cinch Home Services.
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 Encinitas
A home warranty is a home protection plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Encinitas home comfortable and convenient. When they start to break down, it can be expensive and a inconvenience. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
Filing a claim with your home warranty company is quite easy. There will be either an online portal or a direct phone number to file your claim with your home warranty company. At this point, you will pay your service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranties also have a coverage cap, which is the maximum cost per appliance that the home warranty will cover for repairs and replacements.
A home warranty in Encinitas usually covers the main systems and appliances in the home. The appliances that are typically covered under a home warranty plan include dishwasher, refrigerator, clothes washer, clothes dryer, garbage disposal, microwave, and more. The systems usually included are plumbing systems, electrical systems, air conditioners, hot water heaters, and ductwork. Many plans also have add-on coverage options like septic systems, central vacuum, locksmith, and even roof leaks.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and maintain them properly, the home warranty will not cover it. Things like cosmetic damages, misuse, lack of maintenance, and pre-existing conditions are excluded from a home warranty policy.
Since temperatures in Encinitas can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
Another added benefit of having home warranty coverage is that it can raise your home's real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new home buyers depending on the company you purchased your home warranty through.
As for the disadvantages of home warranties, system and appliance coverage varies by company so it's important to read what each plan covers and doesn't include in the contract. Another stipulation is that home warranties typically only cover malfunctions due to normal wear and tear. They often won't cover home systems or appliances that have been damaged due to natural disasters, improper maintenance, animal infestations, etc.
It can be hard to budget for the unexpected expenses that can come with homeownership, but a home warranty can help you with that. Like any other warranty or insurance policy, there will always be benefits and drawbacks of buying one but its main purpose is to offer you protection and peace of mind.
Hopefully, this review of Encinitas' best home warranty providers has helped you narrow down your choices and ultimately decide on a plan. All of these top providers have impressive experience in the industry and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, fair pricing, and ease of use make it a great home warranty for Encinitas homeowners.
The best overall home warranty company in Encinitas is Choice Home Warranty but the right company for you will vary based on factors such as what appliances and systems you need coverage for.
Home warranties cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a larger plan that protects one's entire home from natural disasters and fires. It doesn't cover typical appliance or system damage.
Most home warranties have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so make sure you check with the company about this.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage limits of the plan. If the replacement costs more than the home warranty covers, you will have to pay the rest out of pocket.
A home warranty in Encinitas can cost between $40 and $80 a month. The higher-priced plans usually have more coverage, higher coverage limits, and a lower service fee.
