Written By David Cusick
Last Updated February 2024
The cost of maintaining a home in Milpitas can be expensive, particularly as your home ages and your appliances and systems have to be repaired or replaced. A home warranty in Milpitas can help bring down 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.
The home warranty market has many providers — all with different coverage — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Milpitas.
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 for Milpitas residents. The 2 policies that Choice offers include 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000 at the maximum.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For more information on this provider, read our Choice Home Warranty full review.
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 is the most cost-effective home warranty for Milpitas residents. The 3 policies that Select offers include 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000 at the maximum.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information on this provider, read our Select Home Warranty full review.
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 is the most customizable home warranty for Milpitas residents. The 3 policies that AHS offers include 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500 at the maximum.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information on this provider, read our American Home Shield full review.
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 is the best home warranty for appliance coverage for Milpitas residents. The 2 policies that First American offers include 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500 at the maximum.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For more information on this provider, read our First American Home Warranty full review.
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 is the home warranty with the best workmanship guarantee for Milpitas residents. The 3 policies that Cinch offers include 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information on this provider, read our Cinch Home Services full review.
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 is the best home warranty with the quickest service for Milpitas residents. The 2 policies that HSC offers include 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000 at the maximum.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information on this provider, read our The Home Service Club full review.
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 | $8,250 |
Heating | $5,500 |
Electrical | $825 |
Toilets | $688 |
Washer/Dryer | $1,100 |
Plumbing | $825 |
Oven | $2,200 |
Fridge | $825 |
A home warranty is a protection plan that assists Milpitas homeowners cut the high costs of household repairs. These plans offer financial coverage to fix or replace appliances and systems that stop working from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company 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 provides security for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who own older homes or ones with aging systems. Newer builds with modern fixtures probably don’t need a home warranty.
Home warranties help protect your home systems and appliances. Common covered appliances include dryers, garbage disposals, microwaves, washers, dishwashers, refrigerators, and more. Covered systems include air conditioning, electrical, heating, and plumbing. Many home warranty plans also offer add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. Milpitas homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, cosmetic issues, natural disasters, or improper use of a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
Before signing a home warranty contract, you should know key terms like:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans provide coverage for heating, electrical, AC, plumbing, and appliances. More comprehensive options may also include other things such as pools, spas, roof leaks, and well pumps. Look for providers with flexible coverage choices, including upgraded plans. This helps you tailor protection to your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a provider with lower service fees to maximize savings. Some companies also do away with deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Look at review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about companies. Positive feedback and ratings suggest a company known for quality service.
Home warranty companies maintain networks of professionals to handle covered repairs. Larger networks improve the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Milpitas to get a sense of how quickly your repairs could happen in an emergency.
Home warranty providers may offer perks such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These extras add value beyond basic repair coverage. Added perks help maximize the usefulness of your home warranty.
Since temperatures in Milpitas can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Purchasing a home warranty can help homeowners save money if one of these systems or appliances stops working all of a sudden.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of vetting technicians by yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Another benefit of having a home warranty is if you want to sell your home, some providers let you transfer your home warranty policy to the new owners. This can make your home more attractive to potential homebuyers and may help your home sell faster.
One main drawback of a home warranty is not everything may be covered. It’s important to weigh the different plans and choose one that covers all the appliances, systems, and add-ons you need.
Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They often won’t cover systems or appliances that need repairs or replacements due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty in Milpitas can cost anywhere from $30 to $60 a month. The higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some providers will also reduce your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. Homeowners insurance protects your home in a situation such as a natural disaster or fire. Under 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 Milpitas.
A home warranty plan can help investors, homebuyers, real estate agents, homeowners, and home sellers. It can offer peace of mind and savings to anyone involved in homeownership.
The different types of home warranties in Milpitas include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers 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 items listed in the plan.
Generally, a home warranty lasts for a year and can be renewed yearly. Some companies may offer month-to-month options.
Generally, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who has to pay the service fees. In Milpitas, where the median value of a home is $1,319,337, having the seller pay for the home warranty can be a good asset for your new home.