Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
With hot summers in Banning, your home systems can go through quite a bit of wear and tear. There’s nothing worse than having your air conditioning go out in the middle of summer. A home warranty plan can help protect homeowners by cutting the costs of major repairs and replacements on your home’s most important systems and appliances.
Choosing the best home warranty on the market can be quite a challenge because of the sheer number of options available. If you're frustrated with trying to compare them all, keep reading for our guide on the best home warranty companies in Banning.
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 Banning residents. Choice is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. Plus, it 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.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting 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 Banning residents. Select is a home warranty company with 11 years of experience in the industry, and it has become 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. Select offers 3 plans for homeowners to decide between.
Select Home Warranty has 3 plans that offer a combination of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, 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 offers the most customizable home warranty for Banning residents. AHS is a home warranty company with 26 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS offers 3 plans for homeowners to decide between.
American Home Shield has 3 plans that offer a combination of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting 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 Banning residents. First American is a home warranty company with 39 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for very affordable and comprehensive appliance coverage, this is the plan for you. Plus, it 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 offers 2 plans for homeowners to decide between.
First American Home Warranty has 2 plans that offer a combination of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read more by visiting 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 Banning residents. Cinch is a home warranty company with 44 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. Cinch offers 3 plans for homeowners to decide between.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be 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. Read more by visiting 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 Banning residents. HSC is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. 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, this is the plan for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC offers 2 plans for homeowners to decide between.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting 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 | $6,463 |
| Heating | $4,309 |
| Electrical | $646 |
| Toilets | $539 |
| Washer/Dryer | $862 |
| Plumbing | $646 |
| Oven | $1,723 |
| Fridge | $646 |
A home warranty is a protection policy that helps Banning homeowners in reducing the costs of appliance and system repairs. The plans offer coverage to swap out or repair appliances and systems that stop working due to normal wear and tear. When something stops working, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty delivers security for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who live in older homes or ones with aging systems. More modern builds with working fixtures probably don’t need a home warranty.
Home warranties protect many home systems and appliances. Common covered appliances include dryers, dishwashers, refrigerators, garbage disposals, washers, microwaves, and others. Protected systems include plumbing, electrical, heating, and air conditioning. Many home warranty plans offer add-on coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Banning homeowners should know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as natural disasters, pre-existing conditions, cosmetic issues, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
Here are some essential home warranty terms to learn before signing a contract:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranties vary widely in terms of included coverage. Basic policies typically provide protection for heating, plumbing, electrical, AC, and appliances, while more comprehensive plans may also cover spas, roof leaks, well pumps, and pools. Look for providers with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty provider's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. Larger networks raise the likelihood of getting qualified contractors to your home swiftly. Contact possible providers to learn how many technicians they have in Banning to understand how long repairs could take in an urgent situation.
Home warranty companies often include perks such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These can add value beyond basic repair coverage. Added perks maximize the usefulness of your home warranty.
Home warranty policies are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Banning hitting an average high of 79℃F, you may find that certain appliances, such as your A.C., get a lot of use. A home warranty can significantly lower out-of-pocket expenses should your HVAC system stop working.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may experience. Another added benefit of having home warranty coverage is that it can increase your home’s real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
One major drawback of home warranties is not every home system and appliance you care about may be covered. It’s important to research the different policies and opt for one that covers all the appliances, systems, and add-ons you need.
Another downside is that home warranties may not include some repairs, such as those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty costs, on average, around $300 to $600 a year in Banning. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of plan that protects your entire home from natural disasters, which might not be too much of a concern in Banning. It doesn't cover a typical appliance or system breakage.
Homebuyers, homeowners, real estate agents, landlords, and home sellers are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Banning include plans that cover either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, such as your washing machine, drier, and HVAC. An appliance or system plan will cover only the specific items mentioned in the policy.
Home warranty plans usually last a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Usually the one who owns the home pays for the home warranty. In some cases, however, the one selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Banning is $390,889, a home warranty can save you some money when buying a home.
