A home warranty is a way to protect your savings from unexpected large expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
With hot summers, maintaining your home appliances and systems, specifically HVAC, are extremely important for homeowners in the Fair Oaks area of California.
Although a home warranty can help with your expenses as a homeowner, one issue is narrowing down the right choice for your Fair Oaks home. That's why we've done the research and have put together a list of the top home warranty plans in Fair Oaks.
Once you're ready to purchase a home warranty, the first step is figuring out what appliances and systems you want coverage for. After that, you can compare your options and call different home warranty providers for a free quote. Policies can vary, so consider the following factors when picking a home warranty plan:
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 for Fair Oaks residents. Choice has been in the home warranty business for over 14 years. 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. The 2 plans from Choice are comprehensive and have a mix of both system and appliance coverage.
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 for each covered system or appliance.
To read more, visit our review of Choice Home Warranty. 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 is the most cost-effective home warranty for Fair Oaks residents. Select is a home warranty company with 10 years of experience in the industry, and it has proved to be one of the best providers in the business. Select has 3 simple plans, making the selection process and policy coverage easily understandable. 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 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 limits come out to about $2,000 for each covered system or appliance.
Read more by visiting our Select Home Warranty 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 in Fair Oaks. AHS offers 3 plans for you to decide between. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the home warranty for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with AHS's plans are around the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our comprehensive review of American Home Shield.
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 in Fair Oaks. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the plan for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 home warranty plans that HSC has include differing levels of system and appliance coverage, as well as add-on options.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. 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.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For a more detailed breakdown, read our 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
First American Home Warranty offers the best home warranty for appliance coverage for Fair Oaks residents. First American offers very affordable and comprehensive appliance coverage. Plus, 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 2 plans from First American are easy to comprehend and offer a mix of both system and appliance coverage.
The 2 plans from First American Home Warranty are 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, you can fill out this online form or call 833-204-7164. For more information on this provider, read our detailed 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 Fair Oaks, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our Cinch Home Services Review. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
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 Fair Oaks
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they stop working over time due to normal wear and tear. Having a home warranty in place can offer you some peace of mind and prevent you from paying exorbitant out-of-pocket costs. Most home warranty plans start about 30 days after buying the home warranty.
Filing a claim with your home warranty company is very simple. There will be either an online portal or a direct phone number to file your claim with your home warranty company. The claim is then processed, and a homeowner will pay a service fee to schedule the repair . This repair will generally happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees range between $60 and $150.
A home warranty plan offers coverage on your home's major appliances and systems and it can help cut back on the cost of maintaining your home. Appliances covered under a home warranty plan are usually the refrigerator, microwave, garbage disposal, dryer, dishwasher, and more. Systems that are covered usually include water heaters, plumbing systems, electrical systems, air conditioners, and heating systems. Many plans also have add-on coverage options like central vacuum, roof leaks, locksmith, and even septic systems.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things like pre-existing conditions, cosmetic damages, lack of maintenance, and misuse are not included in the home warranty policy.
Temperatures in Fair Oaks can get quite high in the summer, which means your air conditioner is likely to get a good bit of use. As a homeowner in Fair Oaks, one benefit of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
Another added benefit of having a home warranty policy is that it can increase 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 have your home warranty with.
One disadvantage of a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it's important to read over any contracts you're considering thoroughly to get a sense of what is included and what isn't. Additionally, 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.
Whether or not a home warranty is worth it depends on your personal situation. Like any other type of insurance policy or warranty, its purpose is to give you some peace of mind, so you will have to be the judge of how much that is worth to you.
Hopefully, you now feel confident that you can choose a home warranty provider in Fair Oaks after reading our guide. The best provider in Fair Oaks is Choice Home Warranty. It offers comprehensive coverage at an affordable monthly or annual cost. However, other companies reviewed above are also great choices for Fair Oaks residents.
The best overall home warranty company in Fair Oaks is Choice Home Warranty but the right company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty is a kind of service contract that covers repairing and replacing your major home system components and appliances.
A home warranty protects against the normal wear of systems and appliances in a home. A homeowners insurance plan protects your home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new washing machine or dishwasher, unless the damage is a result of a natural disaster.
Most home warranty plans will cover replacement costs as well as repair costs. How much the home warranty will cover varies from one plan to the next. Your home warranty will give you some money towards a replacement but don't expect to have the entire replacement paid for.
Homeownership can be expensive. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty policy, you will not have any large hits to your bank account for home maintenance.