Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Find the best home warranty for your needs. There are many benefits of owning a home in Bay Point. However, major home systems and appliances, like your plumbing and kitchen appliances, can malfunction due to normal wear and tear, leaving you with costly repairs.
A home warranty is a way to protect your savings account from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind. Since the home warranty market is filled with a lot of providers — all with different offerings — the Today's Homeowner team did the research for you to help you find the right home warranty in Bay Point.
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 Bay Point residents. Choice has been in the home warranty business for about 15 years. The home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage. 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 plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered system or appliance.
Read our Choice Home Warranty full review to learn more. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 Bay Point residents. Select has been in the home warranty industry for about 11 years. With a home warranty from Select, you can enjoy 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 3 plans from Select are easy to comprehend and offer both system and appliance coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Bay Point area.
To read more, visit our full review of Select Home Warranty. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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
In Bay Point, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty business for around 26 years. AHS offers 3 plans for you to decide between. 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.
American Home Shield offers 3 plans for Bay Point homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix 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 make sure to check with the company. Service fees are customizable and range from $75 to $125.
To receive 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
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 Bay Point. HSC has more than 15 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. When you buy a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club 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 has 2 plans that offer a combination of appliance and system coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
To read more, visit our The Home Service Club Review. 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
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 Bay Point, First American Home Warranty offers the best home warranty for appliance coverage. The 2 plans from First American are easily comprehensible and offer both system and appliance coverage. If you're looking for very affordable and comprehensive appliance coverage, First American is the perfect provider 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Bay Point area.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit 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 Bay Point 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. Cinch offers 3 plans for homeowners to decide between. With a home warranty from Cinch, you can benefit from 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.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Bay Point area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read our detailed review of Cinch Home Services.
Appliances Plan
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 |
|---|---|
| Air Conditioner | $7,262 |
| Heating | $4,841 |
| Electrical | $726 |
| Toilets | $605 |
| Washer/Dryer | $968 |
| Plumbing | $726 |
| Oven | $1,937 |
| Fridge | $726 |
A home warranty is a coverage plan that helps homeowners cut back on the high costs of appliance and systems repairs. Home warranties will cover a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty is one thing that can make it easier to budget and manage your finances. A home warranty plan generally has a 30-day waiting period from the time you purchase to when you can file your first claim.
Filing a claim with your home warranty company is straightforward. There will be an online portal or a direct phone number to request service for a repair or replacement.
After that, you will pay your service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranties also have a coverage cap, which is the maximum cost per year that the home warranty will cover for repairs and replacements.
A home warranty plan will cover systems and appliances that have broken down due to normal wear and tear. For example, if your refrigerator suddenly stops working under normal use conditions, you can call your home warranty provider. Appliances covered under a home warranty plan are typically the garbage disposal, microwave, dryer, dishwasher, refrigerator, and more. Systems that are covered include heating, plumbing, electrical systems, and air conditioning.
The add-on coverages can include spa, roof leak, pool, septic system, and sometimes even things like locksmith or pest control.
A home warranty will only cover repairs and replacements due to normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, natural disasters, intentional breakages, and pre-existing conditions are not covered with a home warranty.
Bay Point's hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.
Not only can a Bay Point home warranty save you money on repairs and replacements, it saves you time too. Instead of needing to vet service technicians by yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them.
As for the disadvantages of home warranties, coverage varies by company, so it's important to understand what each policy covers and doesn't include in the contract.
Another thing to take into consideration is that some companies don't cover pre-existing issues and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about this if you need more information or if this is a problem for you.
Determining the right company for your home warranty is a step you can take to help protect your home. Before deciding which home warranty to purchase, here are a few other factors to consider:
The best overall home warranty company in Bay Point is Choice Home Warranty, but the perfect company for you will vary based on factors such as what appliances and systems you need coverage for.
Homebuyers, landlords, homeowners, real estate agents, and home sellers are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty will cover either the home systems and appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a systems or appliance plan can be useful too if you want to save some money.
Owning a home can be pricey, especially in a place in Bay Point where the cost of living is quite high. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty policy, you won't have any large hits to your savings account for home maintenance.
Generally, 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 Bay Point, where the median value of a home is $383,391, when the seller includes a home warranty can be a good asset for your new home.
Typically, coverage for a home warranty plan begins 30 days on the day the sale closes. However, a few companies may let you make a service request before this, so verify with customer service to find the exact waiting period for your situation.
