Written By David Cusick
Last Updated April 2024
There are a lot of benefits of owning a home, but as your San Luis home ages, you may find yourself needing to update or repair your systems and appliances. A home warranty can give you the peace of mind you need and safeguard your savings account from large expenses by covering your home’s major appliances and systems.
Finding the best warranty for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in San Luis. Read on for our recommendations.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for San Luis residents. Liberty has over 6 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for San Luis homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered appliance or system.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
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 San Luis residents. Choice has over 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. 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.
Choice Home Warranty offers 2 plans for San Luis homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 per covered appliance or system.
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 review of Choice Home Warranty.
Basic Plan
Total Plan
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 Luis residents. Select has over 11 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage 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.
Select Home Warranty offers 3 plans for San Luis homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered appliance or system.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
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 offers the most customizable home warranty for San Luis residents. AHS has over 26 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for San Luis 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 caps come out to about $2,500 per covered appliance or system.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Luis residents. First American has over 39 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. 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 San Luis 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 about $1,500 per covered appliance or system.
To receive 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.
Basic Plan
Premier Plan
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 for San Luis residents. Cinch has over 44 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. 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 Home Services offers 3 plans for San Luis 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’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per 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 a more detailed breakdown, read our review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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 for San Luis residents. HSC has over 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for San Luis homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have 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 about $2,000 per covered appliance or system.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
Home Appliance | Repair Cost |
---|---|
Air Conditioner | $5,679 |
Heating | $3,786 |
Electrical | $568 |
Toilets | $473 |
Washer/Dryer | $757 |
Plumbing | $568 |
Oven | $1,515 |
Fridge | $568 |
A home warranty is a protection plan that helps cut costs for San Luis homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with aging systems. Newer builds with working fixtures probably don’t require a home warranty.
Home warranties safeguard your home systems and appliances. Common appliances covered under a home warranty include microwaves, dishwashers, garbage disposals, refrigerators, dryers, washers, and more. Covered systems include heating, plumbing, air conditioning, and electrical. Many home warranties also offer add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks. It's important for San Luis homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or improperly using a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some essential home warranty words to know before signing a contract:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans include protection for heating, plumbing, electrical, AC, and appliances. More inclusive options also cover other items such as roof leaks, well pumps, pools, and spas. Look for providers with varied coverage options, including upgraded plans. This helps you tailor protection to your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty company's reputation can give you insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Browse review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Good ratings and feedback indicate a company known for great service.
Home warranty businesses keep networks of local professionals to handle repairs in your area. Reach out to potential providers to ask how many repair contractors they have in San Luis and get an idea for how quickly your repairs might happen in an emergency situation. Larger networks raise the probability of getting qualified contractors to swiftly service your home.
Certain home warranty companies include extras such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These provide extra value beyond repair coverage. Extra perks can enhance your home and help maximize your home warranty.
San Luis’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, preventing you from spending a lot of money out of pocket.
Not only does a home warranty offer some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most. Plus, having a home warranty can help make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your policy to a new owner and give them the protection you’ve been benefiting from.
There are also some negatives to purchasing a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another downside is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty in San Luis can cost between $30 and $60 a month. The higher-priced plans tend to have higher coverage limits, broader coverage, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects your entire home in case of a situation such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim if you need a new dryer or dishwasher, unless the damage is due to a natural disaster, which isn't that common in San Luis.
A home warranty plan can help home sellers, real estate agents, homebuyers, homeowners, and investors. It can provide peace of mind to anyone involved in homeownership.
The different home warranties in San Luis include plans that cover either appliances or systems as well as combination plans. A combination plan will cover many of your systems and appliances, such as your washing machine, drier, and heating and cooling systems. A plan that only covers appliances or systems will cover only the items mentioned in the contract.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
Typically, the one who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in San Luis is $235,994, a home warranty can be an added asset when buying a home.