A home warranty in San Jose 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.
Although homeownership in San Jose has a lot of perks, such as the convenience of city life, there are also downfalls, similar to owning a house anywhere else. One major hassle many homeowners have to deal with eventually is updating or repairing their appliances and home systems.
Choosing the best home warranties on the market can be difficult because of the numerous options out there. If you are tired of trying to compare the different options, keep reading for our guide on the top home warranty companies in San Jose.
Deciding on the best home warranty in San Jose for you comes down to the type of coverage you're looking for, the home warranty company you go with, and your location, among other factors. Before deciding which home warranty to purchase, here are a few other 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 is the best overall home warranty in San Jose. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
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 around $3,000.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 San Jose residents. Select is a home warranty provider with 10 years of experience in the industry, and it has proved to be one of the best providers in the business. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the plan for you. Plus, 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 offer both system and appliance coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
For more information, 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
In San Jose, American Home Shield offers the most customizable home warranty. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our review of American Home Shield. 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 in San Jose. The 2 plans from HSC are comprehensive 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.
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 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. For more information on this provider, read 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
First American Home Warranty offers the best home warranty for appliance coverage for San Jose residents. 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 home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage.
First American Home Warranty offers 2 plans for San Jose homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the San Jose area.
Read more by visiting our review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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 San Jose. 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. Cinch offers 3 plans for you to decide between.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, 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 call 877-589-0505. To read more, visit 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 San Jose
A home warranty is a service contract that makes it more affordable when one of your home systems or appliances has an issue. A home warranty can help homeowners who need to stick to their budget and don't want to dip into their savings to pay for large repair or replacement expenses. Typically about 30 days after paying for a home warranty, the coverage will start on your home systems and appliances.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty service provider. Most companies have an online portal system to help you 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 person that will come to your home and assess the problem. At this point, you pay your service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket fee you will need to pay unless the repair cost is more than your home warranty's coverage limit.
Home warranty plans help protect both your home systems and appliances. A home warranty can cover repair and replacement-related costs that are due to normal wear and tear. Typical appliances covered by a home warranty include a dishwasher, refrigerator, dryer, washer, microwave, garbage disposal, and more. The systems that are most commonly covered will be hot water heaters, plumbing systems, air conditioners, heating systems, and electrical systems. Many home warranty plans also provide add-on coverage options like central vacuum, septic systems, roof leaks, and even locksmith.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things like pre-existing conditions, lack of maintenance, misuse, and cosmetic damages are not included in the home warranty policy.
Home warranties are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in San Jose reaching upward of 71 degrees in the summer, you may find that some appliances, like your A.C., get a lot of use. A home warranty can remarkably bring down your out-of-pocket expenses should your HVAC system stop working.
A home warranty can also offer value in other ways. For instance, some plans can be transferred to another owner during a home sale.
One disadvantage of buying a home warranty is that there are generally exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it's important to read through the contracts you're considering carefully to understand what is included and what isn't. Another downside is that home warranties may exclude some repairs, like 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.
Homeownership is a big responsibility that can be costly, but valuable. A home warranty is one thing that can help with your home maintenance budget, but its worth for you is something you'll have to determine before purchasing a policy.
Hopefully, this review of San Jose's best home warranty options has helped you narrow down your choices and ultimately find the right plan for you. Choice Home Warranty stands out as the best overall home warranty. It offers great coverage at an affordable monthly or annual cost. However, other options mentioned above also give great coverage choices for San Jose residents.
The best overall home warranty company in San Jose is Choice Home Warranty but the perfect company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty plan can help homeowners, home sellers, homebuyers, investors, and real estate agents. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty policy covers repair and replacement costs for home systems and appliances. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
A service fee is a cost that a homeowner must pay before a service technician or contractor comes to your home to repair your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty apart from the monthly premium/annual cost.
A San Jose home warranty can cost anywhere from $40 to $80 a month. Higher-priced plans tend to have higher coverage limits, more coverage, and a lower service fee.
