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Last Updated: February 25, 2025
Fort Irwin offers homeowners some affordable housing options. However, unanticipated repair and replacement costs on your home’s systems and appliances can get quite expensive. A home warranty in Fort Irwin can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
Finding the best home warranty on the market can be overwhelming, as there are so many companies to decide between. That’s why the Today's Homeowner team did the research and made a list of the top home warranty companies in Fort Irwin 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
In Fort Irwin, Choice Home Warranty offers the best overall home warranty. Choice has been in business for about 15 years, making it a respected company in the industry. The 2 home warranty plans that Choice offers include options for appliance and system coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Fort Irwin area.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting our thorough review of Choice Home Warranty.
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 Fort Irwin, Select Home Warranty offers the most cost-effective home warranty. Select has been in business for about 11 years, making it a respected company in the industry. The 3 home warranty plans that Select offers include options for appliance and system coverage. 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.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Fort Irwin area.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting our thorough review of Select Home Warranty.
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 Fort Irwin, American Home Shield offers the most customizable home warranty. AHS has been in business for about 26 years, making it a respected company in the industry. The 3 home warranty plans that AHS offers include options for appliance and system coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the provider for you. Plus, 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. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Fort Irwin area.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our thorough review of American Home Shield.
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 Fort Irwin, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in business for about 39 years, making it a respected company in the industry. The 2 home warranty plans that First American offers include options for appliance and system coverage. If you’re looking for very affordable and comprehensive appliance coverage, this is the provider for you. Plus, 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Fort Irwin area.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read more by visiting our thorough review of First American Home Warranty.
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 Fort Irwin, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in business for about 44 years, making it a respected company in the industry. The 3 home warranty plans that Cinch offers include options for appliance and system coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Fort Irwin area.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our thorough review of Cinch Home Services.
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 Fort Irwin, The Home Service Club offers the best home warranty with the quickest service. HSC has been in business for about 15 years, making it a respected company in the industry. The 2 home warranty plans that HSC offers include options for appliance and system coverage. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the provider for you. Plus, it 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 around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Fort Irwin area.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our thorough review of The Home Service Club.
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 | $6,658 |
| Heating | $4,439 |
| Electrical | $666 |
| Toilets | $555 |
| Washer/Dryer | $888 |
| Plumbing | $666 |
| Oven | $1,775 |
| Fridge | $666 |
A home warranty is a protection policy that helps cut costs for Fort Irwin homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that break due to 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 cost of the repair or replacement exceeds the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who own older homes or ones with outdated systems. More modern builds with working fixtures probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are microwaves, washers, dishwashers, refrigerators, garbage disposals, dryers, and more. Covered systems are normally air conditioning, plumbing, electrical, and heating. Many home warranty companies provide add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. It's important for Fort Irwin homeowners to know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like natural disasters, cosmetic issues, pre-existing conditions, or damage caused by improperly using a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement is covered by your policy.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans provide coverage for heating, AC, plumbing, electrical, and appliances. More robust coverage options also cover other items such as roof leaks, well pumps, pools, and spas. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty businesses maintain networks of local professionals to handle repairs in your area. Contact potential providers to find out how many repair technicians they have in Fort Irwin and get an idea for how quickly your repairs might happen in an emergency situation. Larger networks increase the likelihood of getting qualified contractors to quickly service your home.
Certain home warranty companies include perks such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These offer extra value beyond repair coverage. Extra perks can enhance your home and help maximize your home warranty.
Home warranty policies are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Fort Irwin reaching an average high of 77℃F, you may find that some appliances, such as your air conditioning unit, get a lot of use. A home warranty can remarkably lower out-of-pocket costs should your HVAC system stop working.
A home warranty also saves you time and energy. Instead of spending hours researching and selecting a repair person to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. A home warranty can also give value in other ways. For instance, some policies can be transferred between owners when you sell your home.
One of the major drawbacks of home warranties is not everything you care about may be covered. It’s important to weigh the different policies and get one that covers all the appliances, systems, and add-ons you need.
Another possible pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your claims being rejected, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, around $300 to $600 a year in Fort Irwin. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of plan that protects your entire home from natural disasters, which might not be too much of a concern in Fort Irwin. It doesn't cover a normal appliance or system damage.
A home warranty policy can help investors, real estate agents, home sellers, homeowners, and homebuyers. It can provide peace of mind to anyone involved with homeownership.
The different kinds of home warranties in Fort Irwin include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your systems and appliances, including your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the contract.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, though, the one selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Fort Irwin is $224,362, a home warranty can save you some money when buying a home.
