Written By David Cusick
Last Updated April 2024
Homeownership in Palm Desert can be satisfying for many, but it also comes with its fair share of challenges. Home repairs can be an unanticipated financial burden for many homeowners. A home warranty can help protect you by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be challenging because of the numerous options out there. If you're tired of trying to compare them all, keep reading for our guide on the best home warranty companies in Palm Desert.
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 Palm Desert, Choice Home Warranty offers the best overall home warranty. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. 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 Home Warranty has 2 plans that offer a combination of appliance and system coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Palm Desert area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our comprehensive 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 Palm Desert, Select Home Warranty offers the most cost-effective home warranty. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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 Home Warranty has 3 plans that offer a combination of appliance and system coverage. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Palm Desert area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our comprehensive 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 Palm Desert, American Home Shield offers the most customizable home warranty. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Palm Desert area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our comprehensive 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 Palm Desert, First American Home Warranty offers the best home warranty for appliance coverage. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. 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 Home Warranty has 2 plans that offer a combination of appliance and system coverage. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is lower than other providers in the Palm Desert area.
To receive 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 comprehensive 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 Palm Desert, Cinch Home Services offers the home warranty with the best workmanship guarantee. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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 Home Services has 3 plans that offer a combination of appliance and system coverage. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Palm Desert area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our comprehensive 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 Palm Desert, The Home Service Club offers the best home warranty with the quickest service. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. 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.
The Home Service Club has 2 plans that offer a combination of appliance and system 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 Palm Desert area.
To receive 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 comprehensive 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 | $6,702 |
Heating | $4,468 |
Electrical | $670 |
Toilets | $559 |
Washer/Dryer | $894 |
Plumbing | $670 |
Oven | $1,787 |
Fridge | $670 |
A home warranty is a protection plan that helps cut costs for Palm Desert homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that stop working due to 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 repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty delivers peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who own older homes or ones with aging systems. More modern homes with modern fixtures probably don’t need a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include dishwashers, garbage disposals, microwaves, dryers, refrigerators, washers, and more. Included systems are normally heating, electrical, air conditioning, and plumbing. Many home warranty companies provide add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Palm Desert homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only help pay for repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
There are a number of home warranty terms to learn before signing an agreement, including:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies, although most plans include protection for AC, heating, electrical, plumbing, and appliances. More inclusive plans may also cover additional items such as well pumps, pools, spas, and roof leaks. Look for a company that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
You'll pay a service fee, typically $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 seek out providers advertising more affordable 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 company's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. Larger networks raise the chance of getting skilled contractors to your home swiftly. Reach out to possible providers to ask how many contractors they have in Palm Desert. This helps you understand how long repairs may take in an urgent situation.
Some home warranty companies may include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These extras can provide extra value beyond just repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
Temperatures in Palm Desert can get quite high in the summer, which means your air conditioner is likely to get a decent amount of use. As a homeowner in Palm Desert, one benefit of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
On top of saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the hassle of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair problems you may experience. Plus, though it varies by company, 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 help your home sell faster.
One major drawback of a home warranty is not everything you care about may be covered. It’s important to research the different plans 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 repair requests being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, about $300 to $600 a year in Palm Desert. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects a home in a situation such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim if you need a new dryer or oven, unless the damage is a result of a natural disaster, which isn't that common in Palm Desert.
Homebuyers, landlords, home sellers, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in Palm Desert include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your home systems and appliances, such as your refrigerator, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the items listed in the contract.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Typically, the homeowner pays for the home warranty. In some cases, though, the home seller may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Palm Desert is $560,812, a home warranty can be an added asset when buying a home.