Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
With hot summers in Ramona, your home systems can go through quite a bit of wear and tear. There’s nothing worse than having your air conditioning go out in the middle of summer. A home warranty can offer you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major systems and appliances.
The home warranty market is filled with a lot of providers — all with different plans — so the Today's Homeowner team has done the research to help you choose the best home warranty companies in Ramona.
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 Ramona residents. Choice has more than 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 home warranty plans that Choice offers include options for appliance and system coverage.
Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered appliance or system.
Read our thorough review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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 for Ramona residents. Select has more than 11 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 home warranty plans that Select offers include options for appliance and system coverage.
Select Home Warranty has 3 plans that provide a combination of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 per covered appliance or system.
Read our thorough review of Select Home Warranty to learn more. To receive a free quote from Select Home Warranty, fill out this online form or call 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 offers the most customizable home warranty for Ramona residents. AHS has more than 26 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 home warranty plans that AHS offers include options for appliance and system coverage.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered appliance or system.
Read our thorough review of American Home Shield to learn more. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 for Ramona residents. First American has more than 39 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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. The 2 home warranty plans that First American offers include options for appliance and system coverage.
First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage limits come out to about $1,500 per covered appliance or system.
Read our thorough review of First American Home Warranty to learn more. To receive a free quote from First American Home Warranty, 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 for Ramona residents. Cinch has more than 44 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 home warranty plans that Cinch offers include options for appliance and system coverage.
Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 per covered appliance or system.
Read our thorough review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
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 for Ramona residents. HSC has more than 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 home warranty plans that HSC offers include options for appliance and system coverage.
The Home Service Club has 2 plans that provide a combination of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 per covered appliance or system.
Read our thorough review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 | $7,136 |
| Heating | $4,758 |
| Electrical | $714 |
| Toilets | $595 |
| Washer/Dryer | $952 |
| Plumbing | $714 |
| Oven | $1,903 |
| Fridge | $714 |
A home warranty is a protection policy that helps reduce the high costs for Ramona homeowners needing appliance and system repairs. These plans provide 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 repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty plan gives homeowners peace of mind because it can help avoid costly 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 appliances and fixtures in good condition may not require a home warranty.
Home warranties cover your household systems and appliances. Common covered appliances include dryers, refrigerators, garbage disposals, washers, dishwashers, microwaves, and more. Covered systems include heating, electrical, air conditioning, and plumbing. Various home warranty plans offer add-on coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Ramona homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Here are some essential home warranty terms to know before signing a contract:
There are several important factors to consider when choosing a home warranty provider:
Home warranty plans can have major differences in covered items. Most plans cover electrical, heating, AC, plumbing, and appliances. More comprehensive options also offer protection for other items such as roof leaks, spas, well pumps, and pools. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's rating provides insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Positive reviews and ratings indicate a company known for stellar service.
Home warranty companies keep networks of contractors to handle covered repairs. Bigger networks raise the probability of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Ramona to get a sense of how soon your repairs could happen in an emergency.
Certain home warranty providers include extras such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These bonuses offer extra value beyond repair coverage. Added perks can enhance your home and maximize your home warranty.
Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Ramona reaching an average high of 72℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can considerably lower out-of-pocket expenses should your HVAC system stop working.
In addition to saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may have. Another benefit of having a home warranty is if you want to sell your home, you can most likely transfer your home warranty plan to the new owners. It can make your home more attractive to potential homebuyers and help your home sell faster.
As for the drawbacks of home warranties, coverage varies by provider, so it’s important to review what each policy covers and excludes in the contract.
Another thing to consider is that some companies don’t cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you need more information or if this is an issue for you.
A home warranty in Ramona can cost anywhere from $30 to $60 a month. Higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some companies will also lower 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 plan covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects the entire home in case of something such as a fire or natural disaster. With a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Ramona.
Homebuyers, landlords, homeowners, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
A home warranty plan will cover your home’s systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
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 has to pay the service fees when using the policy. In Ramona, where the median value of a home is $761,988, having the seller pay for the home warranty can be a good asset for your new home.
