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Written By David Cusick
Last Updated June 2024
Covina gives homeowners some great living options and the opportunity to enjoy bright warm summers. However, scorching temperatures can do a number on your home’s systems, such as your HVAC. A home warranty can give you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market is saturated with many providers — all with different plans — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Covina.
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 in Covina. Choice has been in business for about 15 years, making it a respected company in the industry. The 2 plans from Choice are easy to comprehend and have a mix of both system and appliance coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, 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 provide a mix of appliance and system coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Covina area.
For a more detailed breakdown, read our Choice Home Warranty Review. To receive a free quote from Choice Home Warranty, 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 is the most cost-effective home warranty in Covina. Select has been in business for about 11 years, making it a respected company in the industry. The 3 plans from Select are easy to comprehend and have a mix of both system and appliance coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Covina area.
For a more detailed breakdown, read our Select Home Warranty Review. To receive 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
American Home Shield is the most customizable home warranty in Covina. AHS has been in business for about 26 years, making it a respected company in the industry. The 3 plans from AHS are easy to comprehend and have a mix of both system and appliance coverage. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Covina area.
For a more detailed breakdown, read our American Home Shield Review. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 is the best home warranty for appliance coverage in Covina. First American has been in business for about 39 years, making it a respected company in the industry. The 2 plans from First American are easy to comprehend and have a mix of both system and appliance coverage. First American offers very affordable and comprehensive appliance coverage. Plus, 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.
First American Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the Covina area.
For a more detailed breakdown, read our First American Home Warranty Review. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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 is the home warranty with the best workmanship guarantee in Covina. Cinch has been in business for about 44 years, making it a respected company in the industry. The 3 plans from Cinch are easy to comprehend and have a mix of both system and appliance coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it 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. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Covina area.
For a more detailed breakdown, read our Cinch Home Services Review. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
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 is the best home warranty with the quickest service in Covina. HSC has been in business for about 15 years, making it a respected company in the industry. The 2 plans from HSC are easy to comprehend and have a mix of both system and appliance coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it 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 provide a mix of appliance and system coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Covina area.
For a more detailed breakdown, read our The Home Service Club Review. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 | $7,109 |
Heating | $4,739 |
Electrical | $711 |
Toilets | $592 |
Washer/Dryer | $948 |
Plumbing | $711 |
Oven | $1,896 |
Fridge | $711 |
A home warranty is a protection policy that assists Covina homeowners lower the high costs of household repairs. These plans provide financial protection to repair or swap out appliances and systems that stop working from normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty delivers security for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who own older homes or ones with aging systems. More modern homes with modern fixtures probably don’t need a home warranty.
Home warranties cover your home's systems and appliances. Typical covered appliances include refrigerators, washers, dishwashers, garbage disposals, microwaves, dryers, and others. Protected systems include air conditioning, plumbing, heating, and electrical. Many home warranty plans offer extra coverage for roof leaks, septic systems, central vacuums, and even locksmiths. It's important for Covina homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, pre-existing conditions, natural disasters, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by the policy.
Here are some key home warranty terms to know before signing a contract:
There are several key factors to consider when selecting a home warranty provider:
Home warranty plans vary widely in what they include. Most plans cover electrical, heating, AC, plumbing, and appliances. More comprehensive options also include coverage for other items such as pools, spas, roof leaks, and well pumps. Look for a provider that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific 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 providers with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation can provide insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Check review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Reach out to potential businesses to learn the number of repair professionals they have in Covina and get an idea of how fast your repairs could be handled in an emergency. Wider networks raise the chance of getting qualified contractors to quickly service your home.
Certain home warranty companies include extras such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These bonuses provide extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Covina’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, saving you from spending a lot of money out of pocket.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of vetting contractors yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Another good thing about having a home warranty is if you want to sell your home, you can most likely transfer your home warranty to the new owners. This can make your home more attractive to potential homebuyers and may help your home sell faster.
One of the main drawbacks of a home warranty is not everything you care about may be covered. It’s important to compare the different policies and choose one that covers all the appliances, systems, and add-ons you need.
Also, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, around $300 to $600 a year in Covina. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. In addition, it's often cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your home in case of a situation such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim should you need a new washing machine or air conditioner, unless the damage is due to a natural disaster, which is somewhat common in Covina.
A home warranty can help investors, homebuyers, homeowners, home sellers, and real estate agents. It can provide peace of mind and savings to anyone involved with homeownership.
A home warranty will cover your systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Generally, a home warranty lasts for a year and can be renewed annually. Some providers may offer month-to-month options.
Usually, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees. In Covina, where the median value of a home is $737,079, having the seller pay for the home warranty can be a good asset for your new home.