Written By Todays Homeowner Local Pros
Last Updated May 2023
Find the best home warranty for you. Homeownership in Florin comes with quite a few benefits, but it also comes with its challenges. Your home's appliances and systems will inevitably need repair, and this could mean a burdensome expense hitting your bank account suddenly.
A home warranty can bring you the peace of mind you need about your home and guard your bank account from large expenses by covering your home's major systems and appliances. Because the home warranty market has many providers — all with different coverage — our team at Today's Homeowner did the research for you to help you find the best home warranty in Florin.
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 Florin, Choice Home Warranty offers the best overall home warranty. Choice has over 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 2 plans from Choice are comprehensive and offer both system and appliance coverage. If you're looking for very high coverage caps and simple-to-understand service contracts, you'll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Florin area.
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 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 offers the most cost-effective home warranty for Florin residents. Select is a home warranty provider with 11 years of experience in the industry, and it has become one of the best providers in the business. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for homeowners to choose from.
Select Home Warranty has 3 plans that provide a combination 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.
Read our Select Home Warranty Review to learn more. 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
American Home Shield offers the most customizable home warranty in Florin. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Florin area.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our review of American Home Shield.
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 Florin residents. HSC has more than 15 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. 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. HSC offers 2 plans for homeowners to choose from.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000 at the maximum.
To receive a free quote from The Home Service Club, you can 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
In Florin, First American Home Warranty is the best home warranty for appliance coverage. First American has over 39 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. First American has established itself as a company with very affordable and comprehensive appliance coverage. 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 has 2 simple plans, making the selection process quick and easy.
First American Home Warranty offers 2 plans for Florin homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. First American's service fees are a reasonable $85, and the coverage limits come out to about $1,500 for each covered system or appliance.
For a more detailed breakdown, read our review of First American Home Warranty. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
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 Florin. 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. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage.
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 about $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. For more information, read our Cinch Home Services full 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 home protection plan that can help homeowners save money on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Florin home comfortable and convenient. When these things need repairs, it can be expensive and a inconvenience. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.
When one of your systems or appliances has a problem, you file a claim with your service provider. You can do so in an online portal or by calling customer support, and then a repair technician will come and fix the problem.
At this point, you'll also need to pay your service fee. Once the contractor takes a look at the issue, they will take care of it at no cost to you. The only time a Florin homeowner may have to pay out-of-pocket costs is if the repair or replacement is over the item's coverage cap.
A home warranty will cover home systems and appliances from normal wear and tear. The appliances covered include a clothes dryer, dishwasher, refrigerator, clothes washer, stove, microwave, cooktop, and more. The systems included are the plumbing, heating, air conditioning, electrical, and others.
Add-on coverage will vary from one plan to another, but you can expect to see add-ons like spas, electronics, roof leaks, sump pumps, pools, and central vacuums.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, the home warranty will not cover it. Also, a home warranty does not cover misuse, lack of maintenance, cosmetic damages, and pre-existing conditions.
Home warranties are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Florin hitting an average high of 75℃F, you may find that some appliances, like your air conditioner, get a lot of use. A home warranty can remarkably bring down out-of-pocket expenses should your HVAC system stop working.
Another added benefit of having a home warranty plan is that it can increase your home's property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
There are also some drawbacks to getting a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Another thing to bear in mind is that some providers don't cover pre-existing issues and may require an inspection before your coverage can start. Ask the home warranty company for clarification about it if you aren't sure or if this is an issue for you.
Choosing the best company for your home warranty is a step you can take to help protect your home. Here is a list of factors that you'll want to bear in mind when choosing a home warranty provider:
Our pick for the best overall home warranty provider in Florin is Choice Home Warranty, but the right company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty will cover either your home systems and appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a systems or appliance plan can be useful too if you want to save some money.
The kind of home warranty you need depends on what your priorities are. A less expensive plan may have higher deductibles and lower coverage caps, whereas a costlier plan may provide more coverage and have lower service fees. If you have a home that has new appliances or systems, you may be able to get a cheaper plan. The company's reputation and available plans are the main things to research when selecting a home warranty provider.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Florin, where the median value of a home is $299,924, when the seller pays for the home warranty can be a good asset for your new home.
The service fee is the price you pay each time there's an issue with a home system or appliance and you file a claim with your home warranty. Service fees are commonly between $60 and $150.
Typically, coverage for a home warranty policy begins 30 days on the day the sale closes. However, a few providers may let you file a claim before this, so verify with customer service to find the exact waiting period for your case.