Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
As much as you may love homeownership in Loma Linda, there's always that concern about whether your systems and appliances are going to need to be replaced in the next few years. A home warranty in Loma Linda can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Finding the best home warranty on the market can be difficult, as there are lots of companies to decide between. That’s why the Today's Homeowner team did the research and compiled a list of the top home warranty companies in Loma Linda 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 offers the best overall home warranty in Loma Linda. Choice has about 15 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our 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
Select Home Warranty offers the most cost-effective home warranty in Loma Linda. Select has about 11 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. Select has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our 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
American Home Shield offers the most customizable home warranty in Loma Linda. AHS has about 26 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our 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
First American Home Warranty offers the best home warranty for appliance coverage in Loma Linda. First American has about 39 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. First American has 2 simple plans, making the selection process and policy coverage easily understandable. 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are close to the $1,500 mark for most major systems and appliances, and service fees are a reasonable $85.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit our 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Loma Linda. Cinch has about 44 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our 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
The Home Service Club offers the best home warranty with the quickest service in Loma Linda. HSC has about 15 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our 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 | $6,600 |
| Heating | $4,400 |
| Electrical | $660 |
| Toilets | $550 |
| Washer/Dryer | $880 |
| Plumbing | $660 |
| Oven | $1,760 |
| Fridge | $660 |
A home warranty is a protection plan that assists Loma Linda homeowners lower the high costs of household repairs. These plans provide financial protection to fix or swap out appliances and systems that break down from normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty company 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 policy gives homeowners peace of mind because it can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties protect many home systems and appliances. Typical covered appliances include microwaves, garbage disposals, refrigerators, dryers, washers, dishwashers, and others. Covered systems include air conditioning, electrical, heating, and plumbing. Many home warranty plans offer additional coverage for roof leaks, central vacuums, septic systems, and even locksmiths. It's important for Loma Linda homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of 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. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
There are multiple home warranty terms to learn before signing an agreement, including:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranties differ greatly in the items covered. Basic plans typically cover heating, plumbing, electrical, AC, and appliances, while more comprehensive options may also cover roof leaks, well pumps, spas, and pools. Look for a company that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with lower service fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company'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, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive ratings and reviews indicate that a company is known for top-tier service.
Home warranty providers maintain networks of local professionals to handle repairs in your area. Contact potential providers to learn how many repair professionals they have in Loma Linda and get an idea for how quickly your repairs might happen in an emergency situation. Wider networks improve the probability of getting qualified contractors to quickly service your home.
Some home warranty providers include perks such as smart home device coverage, energy efficiency upgrades, and reduced maintenance fees. These can provide extra value beyond just repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
Home warranty plans are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Loma Linda hitting an average high of 77℃F, you may find that some appliances, such as your air conditioner, get a lot of use. A home warranty can considerably bring down out-of-pocket costs should your HVAC system stop working.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of having to vet service technicians by yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Another good thing about having a home warranty is if you want to sell your home, you can most likely transfer your home warranty policy to the new owners. It can make your house more attractive to potential homebuyers and help your house sell faster.
There are also some drawbacks to buying a home warranty policy, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another thing to take into consideration is that some providers don’t cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty company for clarification about these things if you aren’t sure or if this is an issue for you.
A home warranty in Loma Linda can cost between $30 and $60 a month. Higher-priced plans tend to have higher coverage limits, a lower service fee, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your entire home in a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim should you need a new dryer or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Loma Linda.
A home warranty can help investors, homeowners, home sellers, real estate agents, and homebuyers. It can provide peace of mind to anyone involved in homeownership.
The different types of home warranties in Loma Linda 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 plumbing. A plan that only covers appliances or systems will cover only the items listed in the plan.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, though, the person who is 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. Considering that the average home value in Loma Linda is $603,037, a home warranty can be an added asset when buying a home.
