Written By Todays Homeowner Local Pros
Last Updated June 2023
Considering purchasing a home warranty? One of our top home warranty providers can help. Homeownership in El Monte can be a satisfying stage for many people, but it also comes with its fair share of difficulties. Home repairs can be an unexpected financial burden for many homeowners.
When one of your systems or appliances stops working, a home warranty will help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less stressed by homeownership. Finding the best home warranties on the market can be quite a challenge because of the sheer number of options out there. If you are frustrated with trying to compare the different options, keep reading for our guide to the best home warranty companies in El Monte.
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 El Monte, Choice Home Warranty is the best overall home warranty. Choice has about 15 years of experience in the home warranty industry and in that time has built a an expansive network of service professionals in the country. 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 has 2 simple plans, making the selection process easy.
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 around $3,000 for each covered appliance or system.
Read more by visiting our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 offers the most cost-effective home warranty in El Monte. Select has more than 11 years of industry experience and in that time has built a impressive network of service professionals nationwide. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. 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 Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select's service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered appliance or system.
For more information, read our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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 El Monte. AHS has around 26 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. AHS offers 3 plans for homeowners to decide between. 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 per covered appliance or system.
To read more, visit our American Home Shield full review. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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
The Home Service Club is the best home warranty with the quickest service in El Monte. The 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage. When you buy a home warranty 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the El Monte area.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
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 El Monte. First American has been in the home warranty industry for about 39 years. 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. The 2 plans from First American are comprehensive and offer a mix of both system and appliance coverage.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps associated with First American's plans are around the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For a more detailed breakdown, read our First American Home Warranty full review.
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 El Monte, Cinch Home Services offers the home warranty with the best workmanship guarantee. 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. The 3 home warranty plans that Cinch offers include options for appliance and system coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$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 $75 to $150.
For a more detailed breakdown, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
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 covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having a home warranty in place can provide some peace of mind and guard your savings account from large out-of-pocket costs. Most home warranty plans take effect about 30 days after paying for the home warranty.
For El Monte homeowners, it is very straightforward to file a claim when an issue happens with a covered appliance or system. Most home warranty companies have an online portal system where you can submit a claim.
At this point, you'll pay your service fee, which is usually between $60 and $150, depending on what plan you choose. After the service fee is paid, a repair person will come to your home, assess the issue, and repair it. As long as 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 after the service fee is paid.
A home warranty will cover systems and appliances that have stopped working from normal wear and tear. For example, if your dishwasher suddenly stops working under normal use conditions, this is a perfect time to call your home warranty provider. The appliances typically covered under a home warranty plan are the oven, refrigerator, washing machine, dishwasher, dryer, microwave, and more. System coverage typically includes plumbing, heating, air conditioning, electrical systems, and more.
You can also optionally opt to pay extra for add-on coverage for items like spas, septic systems, roof warranty, and swimming pools.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things like cosmetic damages, misuse, pre-existing conditions, and lack of maintenance are excluded from the home warranty policy.
Home warranty plans are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in El Monte hitting an average high of 71℃F, you may find that certain appliances, such as your A.C., get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system stop working.
In addition, though it varies by company, some providers will let you transfer your warranty in the event that you sell your home. This can make your house more attractive to potential homebuyers and maybe even make your home sell faster.
Home warranties also have some cons. Although it can save you time when the home warranty sends out a service technician who does the repair for you, some homeowners may not like this, and they would rather choose their own contractor. If that's important to you, some home warranty companies allow you to choose a contractor.
Another thing to take into consideration is that some companies don't cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty company for clarification about it if you need more information or if this is a problem for you.
Choosing the right provider for your home warranty is a step you can take to help protect your home. Below is a list of factors that you'll want to keep in mind when choosing a home warranty provider:
The top home warranty provider in El Monte is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced repair technicians and a respected reputation in the El Monte area.
A home warranty plan covers the normal wear of systems and appliances in a home. Homeowners insurance protects the entire home in case of something such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is a result of a natural disaster, which are somewhat common in El Monte.
A home warranty can help real estate agents, homebuyers, home sellers, investors, and homeowners. It can offer peace of mind and savings to anyone involved with homeownership.
The kind of home warranty you should look for depends on what's important to you. A less costly plan may have higher deductibles and lower coverage caps, whereas a costlier plan may have lower deductibles and provide more coverage. If you have a home that is on the older end and therefore may have older systems, you may want to get a higher-coverage policy. The company's reputation and available plans are the main two things to consider when choosing a home warranty provider.
Many homeowners think a home warranty is a good investment because it helps protect against unforeseen expenses, and saving money is important with the cost of living going up a lot in El Monte. If you're worried about your finances and your ability to keep your home in good working order, having a home warranty can help. One of the big advantages of a home warranty is that it can offer you some financial peace of mind.
A home warranty policy can cost on average about $300 to $800 a year in El Monte. Our top-rated home warranty companies' 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. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.
Home warranties usually don't cover problems due to pre-existing conditions, lack of proper maintenance, intentional breaking of an appliance, or natural disasters. They only cover damage from normal wear and tear. Although it doesn't cover everything, a home warranty can still be useful to help you save some money in a city like El Monte.