Expert Advice On Improving Your Home

6 Best Home Warranty Companies in Lodi, CA

Written By David Cusick

Last Updated May 2024

Lodi gives homeowners some great housing options and the opportunity to enjoy bright warm summers. However, scorching temperatures can do a number on your home’s systems, such as your HVAC. A home warranty can offer you the peace of mind you need and shield your savings account from large expenses by covering your home’s major appliances and systems.

Choosing the best home warranty on the market can be quite a challenge because of the numerous options available. If you're frustrated with trying to compare them all, keep reading for our guide to the top home warranty providers in Lodi.

Our Recommended Providers

Top Pick
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

The 6 Best Home Warranty Companies in Lodi

Choice Home Warranty

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 in Lodi. When you buy a plan 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. Choice offers 2 plans for homeowners to decide between.

There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice has coverage caps of around $3,000 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 an affordable $85.

To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our full review of Choice Home Warranty.

Basic Plan

Total Plan

Service fee: $85.00Monthly cost: $45.00
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer
Service fee: $85.00Monthly cost: $53.33
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater , AC , Washer , Dryer , Refrigerator Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer

Select Home Warranty

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 in Lodi. When you buy a plan 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. Select offers 3 plans for homeowners to decide between.

There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $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 a reasonable $60.

To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our full review of Select Home Warranty.

Bronze Care Plan

Gold Care Plan

Platinum Care Plan

Service fee: $60.00Monthly cost: $57.67
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00Monthly cost: $57.67
Items covered: Air Conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00Monthly cost: $62.08
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer , Air conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater , Ceiling fan , Garage door , Plumbing stoppages Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks

American Home Shield

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 Lodi. When you buy a plan 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. AHS offers 3 plans for homeowners to decide between.

There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 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 $125.

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 full review of American Home Shield.

ShieldSilver

ShieldGold

ShieldPlatinum

Service fee: $75.00 - $125.00Monthly cost: $29.27 - $44.27
Items covered: Air Conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Locksmith , Plumbing , Plumbing stoppages , Toilet , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00Monthly cost: $39.27 - $54.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Washer , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00Monthly cost: $59.27 - $74.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Locksmith , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Roof leaks , Toilet , Trash compactor , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump

First American Home Warranty

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 in Lodi. When you buy a plan 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. First American offers 2 plans for homeowners to decide between.

There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American has coverage caps of around $1,500 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 a reasonable $85.

To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. To read more, visit our full review of First American Home Warranty.

Basic Plan

Premier Plan

Service fee: $85.00Monthly cost: $38.00
Items covered: Attic fans , Ceiling fans , Cooktop exhaust fan , Dishwasher , Disposal , Dryer , Microwave , Oven , Refrigerator , Trash compactor , Washer , Water dispenser Add-on items: Pool , Spa , Air conditioner , Septic tank , Septic , Well pump , First-class upgrade
Service fee: $85.00Monthly cost: $48.50
Items covered: Attic fans , Ceiling fans , Cooktop exhaust fan , Dishwasher , Disposal , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing system , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Vacuum , Water heater , Washer , Water dispenser Add-on items: Pool , Spa , Air conditioner , Septic tank , Septic , Well pump , First-class upgrade

Cinch Home Services

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 Lodi. When you buy a plan 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. Cinch offers 3 plans for homeowners to decide between.

There are 3 home warranty plans from Cinch Home Services: 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.

To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our full review of Cinch Home Services.

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Service fee: $75.00 - $150.00Monthly cost: $34.99 - $50.99
Items covered: Cooktop exhaust fan , Dishwasher , Dryer , Food center , Free-standing ice maker , Microwave , Oven , Refrigerator , Refrigerator ice maker , Trash compactor , Washer Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00Monthly cost: $39.99 - $57.99
Items covered: Air conditioner , Smoke alarm , Attic fans , Bath exhaust fans , Ceiling fans , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Plumbing , Plumbing stoppages , Septic tank pumping , Spa , Sump pump , Toilet , Vacuum , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00Monthly cost: $49.99 - $67.99
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Food center , Free-standing ice maker , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Refrigerator ice maker , Septic tank pumping , Spa , Sump pump , Toilet , Trash compactor , Vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump

The Home Service Club

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 Lodi. When you buy a plan 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 decide between.

There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $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 $65 to $90.

To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our full review of The Home Service Club.

Standard Coverage Plan

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00Monthly cost: $50.40
Items covered: Air conditioner , Ceiling fan , Dishwasher , Garbage disposal , Dryer , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Plumbing , Refrigerator , Trash compactor , Central vacuum , Washer , Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Service fee: $60.00 - $95.00Monthly cost: $62.90
Items covered: Air conditioner , Alarm wiring , Attic fans , Ceiling fan , Dishwasher , Garbage disposal , Doorbell , Dryer , Ductwork , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Pest control , Phone , Plumbing , Plumbing stoppages , Refrigerator , Sump pump , Toilet , Trash compactor , Central vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Today's Homeowner Ranking Methodology

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:

  • Company Experience
  • Real User Reviews
  • Company Reputation
  • Accreditations and Licenses
  • Service Area
  • Customer Service
Have questions about our methodology or company ratings? Reach out to FindAPro@TodaysHomeowner.com.

Cost of Common Home Repairs in Lodi

Home ApplianceRepair Cost
Air Conditioner$6,612
Heating$4,408
Electrical$661
Toilets$551
Washer/Dryer$882
Plumbing$661
Oven$1,763
Fridge$661

How Does a Home Warranty Work?

A home warranty is a protection plan that helps cut costs for Lodi homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that stop working due to normal wear and tear.

Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges 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 goes over the item's coverage limit. A home warranty delivers security for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who own older homes or ones with aging systems. Newer homes with working fixtures probably don’t require a home warranty.

What Does a Home Warranty Cover?

Home warranties protect many home systems and appliances. Common covered appliances include refrigerators, washers, microwaves, dishwashers, dryers, garbage disposals, and others. Covered systems include plumbing, heating, electrical, and air conditioning. Various home warranty plans offer extra coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Lodi should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.

Key Home Warranty Terms to Know

Here are some essential home warranty terms to learn before signing a contract:

  • Contract rate: The pre-negotiated rate a home warranty company has with its contractors. This rate is usually less than typical retail costs.
  • Coverage limits: Dollar limits that cap how much the warranty will pay for certain repairs or replacements. Check limits on appliances, air conditioning units, roof leaks, and similar repairs.
  • Deductible: The amount you're responsible for before your warranty covers the remainder of the cost. Deductibles apply to covered repairs and may be on a per-claim or yearly basis.
  • Endorsements: Additional coverage for systems like well pumps, septic, and pools, which usually comes with a fee for each add-on.
  • Claim approval: The process providers use to determine whether a requested repair or replacement is covered under a home warranty plan.
  • Trade call fee: An additional fee that some companies charge for appliance-related claims.
  • Service fee: The out-of-pocket cost per claim that you pay for contractor access and repair coverage.
With these important details in mind, you'll be able to better understand pricing and choose the right home warranty to protect your most essential home systems. When getting a quote, take care to review coverage details with potential companies to help avoid unexpected fees.

Key Factors in Choosing a Home Warranty Company

There are several key considerations when selecting a home warranty provider:

Coverage Options

Home warranties have significant variation in what they include. Basic plans typically include AC, electrical, heating, plumbing, and appliances, while more comprehensive options may also cover spas, roof leaks, well pumps, and pools. Look for providers with varied coverage options, including upgraded plans. This helps you tailor protection to your home's needs.

Service Fees

You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may eliminate deductibles after a customer goes a period of time with no claims filed.

Reputation

A home warranty provider's rating gives you insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive reviews and ratings indicate a company known for stellar service.

Contractor Network

Home warranty companies have networks of local technicians to handle repairs in your area. Contact potential providers to learn how many repair contractors they have in Lodi and get an idea for how quickly your repairs could take place in an emergency situation. Bigger networks increase the probability of getting qualified contractors to swiftly service your home.

Added Benefits

Some home warranty companies provide bonuses such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These perks can add value beyond repair coverage. Added bonuses help maximize the usefulness of the home warranty.

Is a Home Warranty Worth it in Lodi?


Benefits of a Home Warranty

Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Lodi hitting an average high of 76℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can significantly decrease out-of-pocket costs should your HVAC system break down.

A home warranty also saves you time and energy. Instead of spending hours finding and choosing 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. Additionally, though it varies by company, some providers will allow you to transfer your warranty if you sell your home. This can make your house more attractive to potential homebuyers and maybe even help your home sell faster.

Downsides of a Home Warranty

One of the main drawbacks of a home warranty is not everything you care about may be covered. It’s important to weigh the different plans and select one that covers all the appliances, systems, and add-ons you need.

Also, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.

Our Recommended Providers

Top Pick
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

Frequently Asked Questions About Home Warranty in Lodi, CA

A home warranty in Lodi can cost anywhere from $30 to $60 a month. The higher-priced plans tend to have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some providers will also lower 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 policies cover problems related to 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 an entire home from natural disasters, which might not be too much of a concern in Lodi. It doesn't cover a normal appliance or system repairs.

A home warranty plan can help homeowners, homebuyers, home sellers, real estate agents, and investors. It can offer peace of mind to anyone involved in homeownership.

The different types of home warranties in Lodi include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your home 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 items mentioned in the policy.

Home warranty plans usually last a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.

Typically, the person who owns the home pays for the home warranty. In some cases, however, the one selling the home may purchase 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 Lodi is $502,851, a home warranty can be an added asset when buying a home.

Other Lodi, CA Home Services