Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Find the best home warranty company for you. Canyon Lake is a great place to have a home. However, along with all the benefits of homeownership, there are often a few negatives, too. One of the biggest headaches for many homeowners is that systems and appliances can break down at any time.
When one of your systems or appliances stops working, a home warranty will step in to help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less stressed by homeownership. Since the home warranty market has many providers — all with different price points — the Today's Homeowner team decided to do the research for you to help you find the best home warranty in Canyon Lake.
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 for Canyon Lake 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. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Canyon Lake area.
For a more detailed breakdown, read our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, you can fill out this online form or call 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 in Canyon Lake. Select has been operating for more than 11 years, making it a highly regarded company in the industry. The 3 home warranty plans that Select offers include options for appliance and system coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, read our Select Home Warranty full review.
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 Canyon Lake, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for around 26 years. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process quick and easy.
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 most major systems and appliances, and service fees are customizable and range from $75 to $125.
Read our review of American Home Shield to learn more. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 offers the best home warranty with the quickest service for Canyon Lake residents. 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, HSC is the perfect provider 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. The 2 plans from HSC are easy to understand 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. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000 at the maximum.
To receive a free quote from The Home Service Club, you can 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
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 in Canyon Lake. First American has been in the home warranty industry for around 39 years. 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. The 2 plans from First American are comprehensive and offer both system and appliance coverage.
First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Canyon Lake area.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our First American Home Warranty full review to learn more.
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
In Canyon Lake, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been on the market for more than 44 years, making it a well-regarded company in the industry. When you purchase a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process easy.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
For a more detailed breakdown, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
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 | $7,320 |
| Heating | $4,880 |
| Electrical | $732 |
| Toilets | $610 |
| Washer/Dryer | $976 |
| Plumbing | $732 |
| Oven | $1,952 |
| Fridge | $732 |
A home warranty is a protection plan for home systems and appliances. When your refrigerator stops working, and the repair will cost several hundred dollars, a home warranty will ensure that you only have to pay a predetermined service fee. Home warranty companies typically don't require an inspection, and coverage generally goes into place about 30 days after making your first payment.
When one of your systems or appliances experiences an issue, you file a claim with your service provider. You can do so in an online portal or by telephone, and then a contractor will come and fix the problem.
Once you file the claim, it will be assigned to a local service technician that will come to your home and look at the issue. At this point, you pay the service fee. Service fees typically range in price from about $60 to $150 and this is the only out-of-pocket expense you will have to pay unless the repair cost is more than your home warranty's coverage limit.
A home warranty will cover systems and appliances that have broken down from normal wear and tear. For example, if your refrigerator suddenly needs repairs under normal use conditions, you can call your home warranty company. The appliances include a dishwasher, stove, clothes washer, refrigerator, clothes dryer, microwave, cooktop, and more. The systems included are the heating, air conditioning, electrical, plumbing, and others.
Many home warranty plans also provide add-on coverage options for roof leaks, septic systems, central vacuums, and even locksmiths.
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 follow preventative maintenance guidelines, the home warranty will not cover it. Also, a home warranty does not cover lack of maintenance, misuse, cosmetic damages, and pre-existing conditions.
Since temperatures in Canyon Lake can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Getting a home warranty can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Another added benefit of having a home warranty policy is that it can raise your home's property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you have your home warranty with.
There are also some negatives to buying a home warranty plan, like the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Also, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
Determining the right company for your home warranty is the first step toward protecting your house. Here is a list of factors that you'll want to consider when picking a home warranty provider:
The top home warranty provider in Canyon Lake is Choice Home Warranty. Choice Home Warranty has a large network of professional technicians and a respected reputation in the Canyon Lake area.
A home warranty is a kind of service contract designed to give homeowners extra coverage for their household systems and appliances. These include washing machines, refrigerators, garbage disposals, dryers, dishwashers, sump pumps, plumbing, water heaters, electrical systems, and heating and cooling systems, among others. Some companies also offer coverage for roofs, garage door openers, pools, and ceiling fans. A home warranty can help you save money if these appliances and systems break down unexpectedly.
First-time homebuyers, home sellers, real estate agents, landlords, and homeowners can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.
Usually the person who owns the home pays for the home warranty. In some cases, though, 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 be responsible for the service fees when using the policy. Since the average home value in Canyon Lake is $377,070, a home warranty can help you avoid further costs when buying a home.
Usually coverage for a home warranty plan begins 30 days after payment. However, a few companies may allow you to make a service request before this, so verify with customer service to find the exact waiting period for your case.
