Written By Todays Homeowner Local Pros
Last Updated June 2023
Considering buying a home warranty? One of our top home warranty providers can help. Owning a home in Commerce has many great benefits, but there are, of course, some downsides too. The hot, humid weather can cause problems in a home and destroy some systems and appliances.
A home warranty in Commerce can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear. Finding the best home warranty on the market can be quite challenging since there are so many companies to choose from. That's why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Commerce for you.
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
In Commerce, Choice Home Warranty offers the best overall home warranty. The 2 home warranty plans that Choice offers include options for appliance and system coverage. When you buy a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also 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. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.
For more information on this provider, read our full review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
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 is the most cost-effective home warranty for Commerce residents. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
Select Home Warranty offers 3 plans for Commerce homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $60.
For a more detailed breakdown, read our detailed review of Select Home Warranty. To get a free quote from Select Home Warranty, 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 Commerce, American Home Shield is the most customizable home warranty. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, you'll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our comprehensive 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
In Commerce, The Home Service Club offers the best home warranty with the quickest service. 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. The 2 home warranty plans that HSC offers include options for appliance and system coverage. 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 Home Service Club has 2 plans that offer a mix of appliance and system coverage. The coverage caps associated with HSC's plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
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 more information on this provider, read our The Home Service Club full review.
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 Commerce, First American Home Warranty offers the best home warranty for appliance coverage. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. If you're looking for very affordable and comprehensive appliance coverage, you'll want to have this plan on your side. 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 Home Warranty offers 2 plans for Commerce homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the Commerce area.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our comprehensive review of First American Home Warranty to learn more.
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 Commerce, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for about 44 years. Cinch offers 3 plans for you to decide between. When you buy a home warranty 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 Home Services has 3 plans that provide a mix of appliance and system coverage. Cinch's service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered appliance or system.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our Cinch Home Services Review.
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 protection plan that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will provide coverage for a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make budgeting and managing your finances easier. A home warranty plan typically has a 30-day waiting period from the time you pay to when you can file your first claim.
For Commerce homeowners, it is very easy to file a claim when an issue arises with a covered appliance or system. Most home warranty providers have an online portal where you can file a claim.
At this point, you'll pay a service fee, which is generally between $60 and $150, depending on what plan you have. Once the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. If the repair is covered by the warranty and the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs apart from the service fee.
Home warranties help protect both your home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear and tear. The appliances covered include a refrigerator, stove, dishwasher, microwave, cooktop, clothes dryer, clothes washer, and more. The systems included are the heating, plumbing, air conditioning, electrical, and others.
The add-on coverages can include roof leak, septic system, pool, spa, and sometimes even things like locksmith or pest control.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things like misuse, pre-existing conditions, cosmetic damages, and lack of maintenance are excluded from the home warranty policy.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Commerce reaching an average high of 71℃F, you may find that some appliances, like your air conditioner, get a lot of use. A home warranty can considerably lower out-of-pocket expenses should your HVAC system stop working.
A home warranty can also have value in other ways. For example, some plans can be transferred between owners when you sell your home.
Home warranties also have some downsides. Though it can be convenient that the home warranty sends out a repair technician who carries out the repair for you, some homeowners may not like this, and they would rather select a contractor themselves. If that's important to you, some home warranty companies allow you to select a contractor.
Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They often won't cover systems or appliances that need repairs or replacements due to improper maintenance, animal infestations, natural disasters, etc.
The first step in protecting your house with a home warranty is determining which provider's plan is right for you. Think about the appliances and systems in your home you want coverage for and compare the policies. Policies can vary, so take into consideration the following factors when picking a home warranty provider:
Our pick for the best overall home warranty in Commerce is Choice Home Warranty, but the best company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty is a type of service contract that provides homeowners extra coverage for their household systems and appliances. These include garbage disposals, washing machines, dishwashers, refrigerators, dryers, sump pumps, plumbing, water heaters, electrical systems, and heating and cooling systems, among others. Some plans also offer coverage for ceiling fans, roofs, pools, and garage door openers. A home warranty can help you save money if these items break down unexpectedly.
Home warranty plans cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different plan that protects an entire home from natural disasters, which can sometimes be a concern in Commerce. It doesn't cover a normal appliance or system damage.
The different kinds of home warranties in Commerce are plans with coverage for either appliances or systems and a combination plan. A combination plan covers almost all your home systems and appliances, such as your dishwasher, washing machine, and HVAC. An appliance or systems only plan will cover the appliances or systems in the policy.
Owning a home can be pricey, especially in a place in Commerce where the cost of living is quite high. When a system or appliance breaks down, it can leave homeowners unexpectedly having to pay a large amount of money to fix it. With a home warranty in place, you won't have any large hits to your savings account for home maintenance.
The service fee is the price you pay each time there's a problem with a system or appliance and you file a claim with your home warranty. Service fees are typically between $60 and $150.
Home warranties usually don't cover problems due to natural disasters, lack of proper maintenance, pre-existing conditions, or intentional breaking of an appliance. The policy only covers damage due to normal wear and tear. Although it doesn't cover everything, a home warranty can still be beneficial for helping you save some money in a town like Commerce.