A home warranty in La Quinta can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
With sunshine year round, La Quinta is a great place to own a home. However, homeownership comes with its challenges, like maintaining your home's systems and appliances.
Because the home warranty market is filled with many providers — all with different coverage — the House Method team decided to do the research for you to help you find the best home warranty in La Quinta.
Selecting the best provider for your home warranty is the first step toward protecting your property. Before deciding which home warranty to purchase, here are a few other factors to consider:
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 offers the best overall home warranty in La Quinta. When you purchase a plan 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. Choice offers 2 plans for homeowners to decide between.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our full review of Choice Home Warranty.
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 La Quinta. With a home warranty from Select, you can enjoy 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 3 plans from Select are easy to understand and have a mix of both system and appliance coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the La Quinta area.
For a more detailed breakdown, read our detailed review of Select Home Warranty. 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 La Quinta. 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. The 3 plans from AHS are comprehensive and offer both system and appliance coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the La Quinta area.
Read more by visiting our review of American Home Shield. To get a free quote from American Home Shield, you can 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 is the best home warranty with the quickest service for La Quinta residents. The 2 plans from HSC are easy to understand and offer both system and appliance coverage. When you buy a policy 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 around $2,000 for each covered appliance or system.
For more information on this provider, read our review of The Home Service Club. To receive 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 is the best home warranty for appliance coverage for La Quinta residents. First American has 2 plans for you to decide between. 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.
First American Home Warranty offers 2 plans for La Quinta homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American's service fees are a reasonable $85, and the coverage caps come out to around $1,500 per covered appliance or system.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our review of First American Home Warranty to learn more.
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 La Quinta, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for over 43 years. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
Cinch Home Services offers 3 plans for La Quinta homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our thorough 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 La Quinta
A home warranty is a protection plan 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 one in place can provide some peace of mind and protect your savings account from exorbitant out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty.
When you have a system or appliance that experiences a problem, you file a claim with your service provider. You can do so in an online portal or by telephone, and then a technician will come and fix the problem. At this point, you will also need to pay your service fee. Once the repair technician fixes the issue, they will take care of it at no cost to you. The only time a La Quinta homeowner may have out-of-pocket costs is if the repair or replacement is higher than the item's coverage cap.
A home warranty in La Quinta usually covers the main systems and appliances in your home. Appliances covered under a home warranty plan are usually the microwave, refrigerator, garbage disposal, dryer, dishwasher, and more. Systems that are covered usually include water heaters, air conditioners, heating systems, electrical systems, and plumbing systems. You can also decide to pay extra for add-on coverage for items like spas, swimming pools, septic systems, and roof warranty.
An important thing to consider is that home warranties only cover normal wear and tear on your home systems and appliances. Things such as misuse, cosmetic damages, pre-existing conditions, and lack of maintenance are not included in the home warranty policy.
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A home warranty also can also save you time and energy. Instead of spending hours finding and selecting a contractor to fix your appliance or system, home warranty providers do the hard work for you and just send a trusted professional to your door whenever you need them.
One disadvantage of purchasing a home warranty is that there are generally exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it's important to read through any contracts you're considering thoroughly to understand what is included and what isn't. Another thing to take into consideration is that some providers don't cover pre-existing damage 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 an issue for you.
Homeownership is a big responsibility that can be expensive, but valuable. A home warranty is one thing that can help ease the costs of home maintenance, but whether or not it's worth it for you is something you'll have to determine before taking the leap and purchasing a policy.
Hopefully, you now feel like you can choose the best home warranty for your La Quinta home. 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. It offers comprehensive coverage of all the essential home appliances and systems at an affordable cost with several add-on options.
The best overall home warranty company in La Quinta 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.
A home warranty is a service contract that covers repairing and replacing your major home systems and appliances.
Usually coverage for a home warranty begins 30 days on the day the sale closes. However, a few companies may allow you to make a service request before this, so verify with customer service to find the exact waiting period for your case.
The systems and appliances in a home are covered under a home warranty in La Quinta. Everything from a fridge to a swimming pool can be covered under a home warranty.
A service fee is an expense that must be paid before a repair technician or contractor comes to your home to repair your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty except for the monthly premium/annual cost.
Many homeowners think a home warranty is a good investment because it can help protect against unforeseen expenses. If you're worried about your finances and home maintenance, getting a home warranty can help. One of the big positives of a home warranty is that it can provide you some financial peace of mind.
