Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
With hot summers in Fair Oaks, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your air conditioning go out in the middle of summer. A home warranty in Fair Oaks can help bring down your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
Finding the best home warranty on the market can be overwhelming, as there are dozens of companies to decide between. That’s why our team at Today's Homeowner did the research and compiled a list of the top home warranty companies in Fair Oaks 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
Choice Home Warranty is the best overall home warranty for Fair Oaks residents. When you buy a policy 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 2 plans from Choice are comprehensive and have a mix of both system and appliance coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Fair Oaks area.
Read our comprehensive review of Choice Home Warranty to learn more. 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 for Fair Oaks residents. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are comprehensive and have a mix of 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 about $2,000. The service fees are a reasonable $60, which is less than other providers in the Fair Oaks area.
Read our comprehensive review of Select Home Warranty to learn more. 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 for Fair Oaks residents. When you buy a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and have a mix of both system and appliance coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Fair Oaks area.
Read our comprehensive review of American Home Shield to learn more. 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 for Fair Oaks residents. When you buy a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 have a mix of both system and appliance coverage.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. 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 Fair Oaks area.
Read our comprehensive review of First American Home Warranty to learn more. 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 for Fair Oaks residents. When you buy a policy 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. The 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage.
There are 3 home warranty plans from Cinch Home Services: 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 Fair Oaks area.
Read our comprehensive review of Cinch Home Services to learn more. 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 for Fair Oaks residents. 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 2 plans from HSC are comprehensive and have a mix of both system and appliance coverage.
There are 2 home warranty plans from The Home Service Club: 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 less than other providers in the Fair Oaks area.
Read our comprehensive review of The Home Service Club to learn more. 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 | $6,745 |
| Heating | $4,496 |
| Electrical | $674 |
| Toilets | $562 |
| Washer/Dryer | $899 |
| Plumbing | $674 |
| Oven | $1,799 |
| Fridge | $674 |
A home warranty is a protection plan that assists Fair Oaks homeowners cut the high costs of household repairs. These plans offer financial protection to repair or swap out appliances and systems that stop working from normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives security for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who own older homes or ones with aging systems. Newer homes with modern appliances probably don’t need a home warranty.
Home warranties safeguard your home systems and appliances. Common covered appliances include refrigerators, dishwashers, microwaves, garbage disposals, dryers, washers, and others. Covered systems include heating, plumbing, electrical, and air conditioning. Many home warranties also offer add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. Most home warranty plans require Fair Oaks homeowners to wait 30 days before they can use the policy to pay for repairs. Moreover, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to know before signing a contract, such as:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans provide coverage for electrical, heating, plumbing, AC, and appliances. More inclusive plans may also provide protection for extra things such as pools, spas, well pumps, and roof leaks. Look for a provider that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per service call made. The costs from multiple fees can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation can offer insight into things such as approval rates for claims, contractor quality, speed of repairs, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty providers keep networks of technicians to handle covered repairs. Wider networks improve the likelihood of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Fair Oaks to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty providers provide bonuses such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These add value beyond just repair coverage. Extra bonuses help maximize the usefulness of your home warranty.
Home warranties are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Fair Oaks reaching an average high of 75℃F, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can remarkably decrease out-of-pocket costs should your HVAC system stop working.
Not to mention, having a home warranty can save you time by getting rid of the need to research contractors — most companies will send a trusted professional right to your door to carry out the necessary repair or replacement. Another good thing about having a home warranty is when you’re selling your home, some providers let you transfer your home warranty policy to the new owners. This can make your home more attractive to potential homebuyers and may help your home sell faster.
One drawback of getting a home warranty is that there are usually exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it’s important to read through any contracts you’re considering carefully to understand what is included and what isn’t.
Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They commonly won’t cover systems or appliances that have stopped working due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty in Fair Oaks can cost between $30 and $60 a month. Higher-priced plans tend to have a lower service fee, higher coverage limits, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also decrease your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which can sometimes be a concern in Fair Oaks. It doesn't cover a normal appliance or system damage.
A home warranty policy can help investors, home sellers, homeowners, homebuyers, and real estate agents. It can offer peace of mind and savings to anyone involved with homeownership.
The different kinds of home warranties in Fair Oaks include plans that cover either appliances or systems as well as combination plans. A combination plan covers your systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the specific items mentioned in the contract.
Home warranty plans usually provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, however, the person who is selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Fair Oaks is $603,031, a home warranty can save you some money when buying a home.
