Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Thinking about purchasing a home warranty? One of our top home warranty providers can help. There are many benefits of owning a home in Oakley. But, major home systems and appliances, like your plumbing and refrigerator, can malfunction due to normal wear and tear, leaving you with expensive repairs.
A home warranty in Oakley can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear. Although a home warranty can help with your homeowner headaches, one pain point is narrowing down the best choice for your Oakley home. That's why we've done the research and have made a list of the best home warranty options in Oakley.
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 for Oakley residents. Choice has been in business for over 15 years, making it a highly regarded company in the industry. 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 2 plans from Choice are comprehensive and offer both system and appliance coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our detailed review of Choice Home Warranty to learn more.
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 Oakley residents. Select is a home warranty provider with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for homeowners to decide between.
Select Home Warranty offers 3 plans for Oakley homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Select's plans are around the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
For a more detailed breakdown, read our Select Home Warranty full review. To receive 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 is the most customizable home warranty for Oakley residents. AHS has been in the home warranty industry for about 26 years. 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. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible.
The plans that AHS offers to homeowners are 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.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read our American Home Shield Review.
ShieldSilver
ShieldGold
ShieldPlatinum
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 for Oakley residents. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Oakley area.
Read more by visiting our thorough review of The Home Service Club. To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
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
First American Home Warranty offers the best home warranty for appliance coverage for Oakley residents. First American has been operating for over 39 years, making it a highly regarded company in the industry. If you're looking for very affordable and comprehensive appliance coverage, First American is the perfect 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 2 policies that First American offers include options for appliance and system coverage.
The plans that First American offers to homeowners are 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 make sure to check with the provider. Service fees are a reasonable $85.
For a more detailed breakdown, read our thorough 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.
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 Oakley. When you purchase a policy 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 has 3 simple plans, making the selection process quick and easy.
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 around $1,000-$2,000.
For a more detailed breakdown, read our thorough review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Appliances Plan
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 |
|---|---|
| Air Conditioner | $7,330 |
| Heating | $4,887 |
| Electrical | $733 |
| Toilets | $611 |
| Washer/Dryer | $977 |
| Plumbing | $733 |
| Oven | $1,955 |
| Fridge | $733 |
A home warranty is a service contract that makes it more affordable when one of your home systems or appliances experiences an issue. A home warranty can help homeowners who need to keep a budget in place and don't want to use their savings to pay for large repair or replacement expenses. Typically, about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty provider. Most companies have an online portal system to help you do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
At this point, you'll pay the service fee, which is typically between $60 and $150, depending on what plan you have. Once the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. As long as the repair is covered by the warranty and the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs .
A home warranty plan will cover home systems and appliances from normal wear. The appliances usually covered under a home warranty plan include a refrigerator, microwave, garbage disposal, clothes washer, clothes dryer, dishwasher, and more. The systems included are ductwork, air conditioning, plumbing, and electrical systems.
Many plans also provide add-on coverage options for roof leaks, septic systems, locksmiths, and even central vacuums.
An important thing to note is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, pre-existing conditions, cosmetic damages, and misuse are excluded from the home warranty policy.
Home warranties are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Oakley hitting an average high of 71℃F, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can significantly lower out-of-pocket costs should your HVAC system stop working.
Additionally, though home warranty companies vary, some providers will let you transfer your warranty in the event that you sell your home. This can make your property more attractive to potential homebuyers and maybe even make your home sell faster.
One main drawback of a home warranty is not every home system and appliance may be covered. It's important to compare the different plans and get one that covers all the appliances, systems, and add-ons you need.
Another thing to take into consideration is that some providers don't cover pre-existing issues and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about these things if you need more information or if this is a problem for you.
Choosing the best home warranty in Oakley for you and your family comes down to the type of coverage you're looking for, the home warranty company you go with, and where you live, among other factors. Below is a list of factors that you'll want to take into account when picking a home warranty provider:
The best overall home warranty company in Oakley is Choice Home Warranty, but the perfect company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a kind of service contract that gives homeowners extra coverage for their household systems and appliances. These include washing machines, dishwashers, refrigerators, dryers, garbage disposals, heating and cooling systems, water heaters, sump pumps, electrical systems, and plumbing, among others. Some companies also provide coverage for garage door openers, pools, ceiling fans, and roofs. A home warranty can help you save money if these appliances and systems fail unexpectedly.
A home warranty covers the normal wear and tear of systems and appliances in a home. A homeowners insurance plan protects your home in case of a situation like a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim should you need a new dryer or stove, unless the damage is due to a natural disaster, which are not that common in Oakley.
The most common home warranties in Oakley are plans that cover either appliances or systems and a combination plan. A combination plan will cover your home systems and appliances, such as your dishwasher, washing machine, and plumbing. An appliance or systems only plan will cover the specific appliances or systems in the policy.
Most home warranties will cover replacement costs as well as repair costs. How much the home warranty will cover varies from one plan to the next. Your home warranty will give you some money towards a replacement but don't expect to have the entire replacement paid for.
In general, 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 transferred to the new homeowner, who will pay the service fees when using the policy. In Oakley, where the median value of a home is $441,400, when the seller includes a home warranty can save you some money on your new home.
Home warranties usually will not cover problems due to natural disasters, intentional breaking of an appliance, lack of proper maintenance, or pre-existing conditions. The policy only covers damage from normal wear and tear. Even though it doesn't cover everything, a home warranty can still be beneficial for helping you save some money in a city like Oakley.
