Written By Todays Homeowner Local Pros
Last Updated May 2023
Get the most out of your home warranty with these top home warranty companies in El Dorado. Homeownership in El Dorado can be a satisfying step in many people's lives, but it also comes with its fair share of headaches. Home repairs can be an unforeseen financial burden for many homeowners.
When one of your systems or appliances malfunctions, a home warranty will help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less anxious about homeownership. Choosing the best home warranties on the market can be challenging because of the many options out there. If you are tired of trying to compare the different options, keep reading for our guide to the top home warranty providers in El Dorado.
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 El Dorado. Choice has over 15 years of experience in the industry and in that time has built a a skilled network of service professionals in the country. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 policies that Choice offers include options for appliance and system coverage.
The 2 plans from Choice Home Warranty 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 get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our Choice Home Warranty Review 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
In El Dorado, Select Home Warranty is the most cost-effective home warranty. Select has more than 11 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The 3 plans from Select are comprehensive and offer both system and appliance coverage. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000 at the maximum.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting 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 is the most customizable home warranty for El Dorado residents. AHS has over 26 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. AHS has 3 plans for homeowners to choose from. When you purchase a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also 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. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our review of American Home Shield. To receive 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 is the best home warranty with the quickest service for El Dorado residents. 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. The 2 plans from HSC are easy to comprehend and offer both system and appliance coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
Read our full review of The Home Service Club to learn more. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
In El Dorado, Liberty Home Guard is the most trustworthy home warranty. The 3 policies that Liberty offers include options for appliance and system coverage. 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 El Dorado homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is cheaper than other providers in the El Dorado area.
Read more by visiting our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
Total Home Guard
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 in El Dorado. First American has 2 simple plans, making the selection process easy. 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 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps associated with First American's plans are close to the $1,500 mark for most major systems and appliances, and service fees are a reasonable $85.
Read more by visiting our review of First American Home Warranty. To receive 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 is the home warranty with the best workmanship guarantee in El Dorado. Cinch has over 44 years of industry experience and in that time has built a an network of service technicians nationwide. Cinch has 3 simple plans, making the selection process easy. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for El Dorado 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. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the El Dorado area.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our comprehensive review of Cinch Home Services.
Built-in Systems Plan
Complete Home 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|
A home warranty is a service contract that cuts back on the cost of repairs when one of your home systems or appliances experiences a complication. A home warranty can help homeowners who need to stick to their budget and don't want to use their savings to pay for large repair or replacement expenses. Typically, about 30 days after paying for a home warranty plan, the coverage will start on your home systems and appliances.
When you have a system or appliance that experiences a problem, you file a claim with your home warranty provider. You can do so in an online portal or by calling customer support, and then a technician will come and fix the problem.
The claim is then processed, and a homeowner will pay the service fee to schedule the repair for their home. This repair will typically happen within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees range between $60 and $150.
A home warranty will cover systems and appliances from normal wear. Common appliances covered under a home warranty include a refrigerator, microwave, garbage disposal, dryer, washer, dishwasher, and more. The systems that are usually covered will be heating, plumbing, air conditioning, and electrical systems.
The add-on coverages can include septic system, roof leak, spa, pool, and sometimes even things like locksmith or pest control.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and maintain them properly, the home warranty will not cover it. Also, a home warranty does not cover pre-existing conditions, misuse, lack of maintenance, and cosmetic damages.
Home warranty policies are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in El Dorado reaching an average high of 75℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can significantly bring down out-of-pocket expenses should your HVAC system stop working.
Another good thing about having a home warranty is while selling your home, you can most likely transfer your home warranty policy to the new owners. It can make your home more attractive to potential homebuyers and may help your home sell faster.
One drawback of signing up for 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 over the contracts you're considering carefully to get a sense of what is included and what isn't.
Another potential pain point of home warranties is that they don't cover systems or appliances that haven't been properly maintained. This can lead to your repair requests being denied, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Choosing the best company for your home warranty is the first step toward protecting your house. Plans can vary, so take into consideration the following factors when deciding on a home warranty company:
The best overall home warranty in El Dorado is Choice Home Warranty, but the perfect company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty is a service contract that covers repairing and replacing major home system components and appliances.
A home warranty can cover either the home's appliances and systems, or both. Combination plans are great if you need more coverage for your home, but a systems or appliance plan can be useful too if you want to save some money.
Home warranty plans generally last a year. Many companies let you renew your plan annually, which can be useful in El Dorado for some protection against something like your air conditioner breaking down when you require it the most.
Typically, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In El Dorado, where the median home value is $105,100, when the seller pays for the home warranty can be a good asset for your new home.
A service fee is an expense that you pay before a service technician or contractor comes to your home to fix 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 except for the monthly premium/annual cost unless the cost of the repair is more than the coverage cap.
A home warranty policy covers repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and usually don't cover something that happened as a result of a pre-existing condition.