Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
Fairfield offers homeowners some beautiful living options. However, unplanned repair and replacement costs on your home’s systems and appliances can get quite expensive. A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Finding the right protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Fairfield. Keep reading for our recommendations.
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 Fairfield, Choice Home Warranty offers the best overall home warranty. Choice 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 home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it 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 system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered system or appliance.
Read more by visiting our full review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
In Fairfield, Select Home Warranty offers the most cost-effective home warranty. Select is a home warranty company with 11 years of experience in the industry, and it has become one of the best providers in the business. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. 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.
Select Home Warranty has 3 plans that provide a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 for each covered system or appliance.
Read more by visiting our full review of Select Home Warranty. To get 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
In Fairfield, American Home Shield offers the most customizable home warranty. AHS is a home warranty company with 26 years of experience in the industry, and it has become one of the best providers in the business. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. With a home warranty from AHS, you can enjoy 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.
American Home Shield has 3 plans that provide a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered system or appliance.
Read more by visiting our full review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or give them a call at 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
In Fairfield, First American Home Warranty offers the best home warranty for appliance coverage. First American is a home warranty company with 39 years of experience in the industry, and it has become one of the best providers in the business. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, 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 has 2 plans that provide a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered system or appliance.
Read more by visiting our full review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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
In Fairfield, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch is a home warranty company with 44 years of experience in the industry, and it has become one of the best providers in the business. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it 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 system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 for each covered system or appliance.
Read more by visiting our full 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
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 Fairfield, 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 home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, 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 provide a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered system or appliance.
Read more by visiting our full review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $7,218 |
| Heating | $4,812 |
| Electrical | $722 |
| Toilets | $601 |
| Washer/Dryer | $962 |
| Plumbing | $722 |
| Oven | $1,925 |
| Fridge | $722 |
A home warranty is a protection policy that helps cut costs for Fairfield homeowners needing appliance and system repairs. These plans provide financial coverage to repair or replace appliances and systems that break due to normal wear and tear. Homeowners file 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 cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for owners of older houses or houses with systems near the end of their life span. However, homeowners with newer homes and functioning appliances may not require a home warranty.
Home warranties cover many household systems and appliances. Common covered appliances include dryers, washers, refrigerators, dishwashers, microwaves, garbage disposals, and more. Covered systems include air conditioning, heating, electrical, and plumbing. Many home warranty plans offer extra coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Fairfield homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should understand key terms like:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans provide coverage for AC, electrical, plumbing, heating, and appliances. More inclusive plans may also cover extra things such as spas, pools, well pumps, and roof leaks. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a provider with more affordable fees to maximize savings on every claim. Some companies also remove deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Read through review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about companies. Good ratings and feedback suggest a company known for quality service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. Wider networks raise the chance of getting qualified contractors to your home quickly. Reach out to possible providers to find out how many contractors they have in Fairfield. This helps you understand how long repairs might take in an urgent situation.
Home warranty companies often offer extras such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These extras add value beyond just repair coverage. Additional perks help maximize the usefulness of your home warranty.
Home warranty plans are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Fairfield hitting an average high of 73℃F, you may find that certain appliances, such as your air conditioning unit, get a lot of use. A home warranty can significantly bring down out-of-pocket expenses should your HVAC system stop working.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of needing to vet technicians yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Plus, having a home warranty can make your house more appealing to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your policy to a new owner and give them the protection you’ve been benefiting from.
One main drawback of a home warranty is not every home system and appliance you care about may be covered. It’s important to compare the different policies and select one that covers all the appliances, systems, and add-ons you need.
Another thing to bear in mind is that some companies don’t cover pre-existing issues and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about it if you aren’t sure or if this is an issue for you.
A home warranty in Fairfield can cost between $30 and $60 a month. Higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some providers will also reduce your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover issues with 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 plan that protects the entire home from natural disasters, which might not be too much of a concern in Fairfield. It doesn't cover a normal appliance or system damage.
A home warranty can help investors, homeowners, homebuyers, real estate agents, and home sellers. It can offer peace of mind to anyone involved with homeownership.
A home warranty policy can cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Usually the person who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty policy 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 Fairfield is $610,114, a home warranty can be an added asset when buying a home.
