A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind.
With hot summers, maintaining your home appliances and systems, specifically HVAC, are very important for homeowners in the Lake Elsinore area of California.
Finding the best home warranties on the market can be quite a challenge because of the sheer number of options out there. If you are frustrated with trying to compare the different options, keep reading for our guide on the best home warranty companies in Lake Elsinore.
The first step in protecting your house with a home warranty is determining which company's plan fits your needs. Think about the items in your home you need coverage for and compare the policies. Before deciding which home warranty to purchase, here are a few additional 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
Choice Home Warranty offers the best overall home warranty for Lake Elsinore residents. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. When you buy 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.
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 typically around $3,000 at the maximum.
To receive 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 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 offers the most cost-effective home warranty for Lake Elsinore residents. Select has over 10 years of experience in the industry and in that time has built a an expansive network of service professionals nationwide. Select offers 3 plans for homeowners to choose from. 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. The coverage caps associated with Select's plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information on this provider, read our thorough review of Select Home Warranty.
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 Lake Elsinore. 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 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
American Home Shield offers 3 plans for Lake Elsinore homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 for each covered system or appliance.
Read our review of American Home Shield to learn more. To get a free quote from American Home Shield, fill out this online form or give them a call at 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 in Lake Elsinore. HSC has 2 simple plans, making the selection process easy. 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, you'll want to have this plan on your side. Plus, 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. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Lake Elsinore area.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our full 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 Lake Elsinore, First American Home Warranty offers the best home warranty for appliance coverage. When you buy a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 has 2 plans for homeowners to choose from.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Lake Elsinore area.
To receive 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Lake Elsinore. Cinch offers 3 plans for you to decide between. 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 Home Services has 3 plans that offer a combination of appliance and system 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.
Read our thorough review of Cinch Home Services to learn more. To get a free quote from Cinch Home Services, you can fill out this online form or call 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 Lake Elsinore
A home warranty is a protection plan for home systems and appliances. When your washer or dryer stops working and the repair costs several hundred dollars, a home warranty will make sure that you're only responsible for 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 a covered appliance or system needs to be repaired, you file a claim with your home warranty company. Most companies have an online portal system where you can do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. Once you file the claim, it will be assigned to a local repair technician that will come to your home and look at the problem. At this point, you pay the service fee. Service fees generally range in price from about $60 to $150 and this is the only out-of-pocket expense you will have to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty in Lake Elsinore usually covers the main systems and appliances in your house. The appliances covered include a clothes washer, microwave, stove, clothes dryer, dishwasher, refrigerator, cooktop, and more. The systems included are the air conditioner, electrical, water heater, plumbing, heating system, and more. You can also optionally opt to pay a bit extra for add-on coverage for items such as spas, septic systems, swimming pools, 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 like cosmetic damages, misuse, lack of maintenance, and pre-existing conditions are not included in the home warranty policy.
Since temperatures in Lake Elsinore can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Having a home warranty plan can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Additionally, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your property more attractive to potential home buyers and help your home sell faster.
One of the major drawbacks of home warranties is not everything you care about may be covered. It's important to research the different plans and select one that covers all the appliances, systems, and add-ons you need. Another drawback is that home warranties may not include some repairs, such as those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were impacted most likely won't be covered by the home warranty.
Although home warranties do have some exclusions to keep in mind, whether during winter, summer, or the months in between, a home warranty can help cut back on the inevitable expense of home appliances and system repairs, giving you a little peace of mind.
A home warranty can save you a decent amount of money on home maintenance and offer you peace of mind as a homeowner in Lake Elsinore. Choice Home Warranty is the best overall home warranty provider in Lake Elsinore. It offers great coverage at an affordable monthly cost. However, other providers reviewed above are also great choices for Lake Elsinore residents.
Our pick for the best overall home warranty in Lake Elsinore is Choice Home Warranty but the perfect company for you will depend on factors such as what appliances and systems you need to have covered.
Home warranties cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a different plan that protects your entire home from natural disasters and fires. It doesn't cover normal appliance or system breakage.
Home buyers, home sellers, homeowners, real estate agents, and landlords can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save homeowners money in the long run.
A home warranty can cost on average anywhere from about $300 to $800 a year in Lake Elsinore. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.
Many homeowners feel like a home warranty is worth it because it can help protect against unexpected expenses. If you're worried about your budget and your ability to keep your home in good working order, having a home warranty can help. One of the major pluses of a home warranty is that it can offer you some financial peace of mind.