Written By Todays Homeowner Local Pros
Last Updated June 2023
Thinking about purchasing a home warranty? One of our top home warranty companies can help. Rancho Cordova gives homeowners some beautiful living options. However, sudden repair and replacement costs on your home's systems and appliances can get quite pricey.
When one of your systems or appliances breaks down, a home warranty will help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less stressed by homeownership. Finding the right home protection plan for your Rancho Cordova home can be difficult, so our team at Today's Homeowner did the research to help you find the best plan that will work for your home. Keep reading for our home warranty recommendations.
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 Rancho Cordova residents. Choice has over 15 years of experience in the industry and in that time has built a an network of service professionals nationwide. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.
Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Rancho Cordova area.
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, read our review of Choice Home Warranty.
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 Rancho Cordova, Select Home Warranty is the most cost-effective home warranty. Select is a home warranty provider with 11 years of experience in the industry, and it has become one of the best providers in the business. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans that Select offers include options for appliance and system coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For more information on this provider, read 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 is the most customizable home warranty in Rancho Cordova. With a home warranty from AHS, you can benefit from 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. AHS offers 3 plans for homeowners to decide between.
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 call 888-365-2839. For more information on this provider, read our American Home Shield full review.
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 Rancho Cordova, The Home Service Club is the best home warranty with the quickest service. HSC has been in the home warranty industry for around 15 years. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. 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 Home Service Club has 2 plans that provide a mix 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 cheaper than other providers in the Rancho Cordova area.
Read more by visiting our thorough review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 in Rancho Cordova. First American is a home warranty provider with 39 years of experience in the industry, and it has established itself as one of the best providers in the business. The home warranty company offers 2 plans to policyholders with various 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.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500 at the maximum.
To read more, visit our detailed review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 Rancho Cordova residents. The 3 plans from Cinch are easy to understand and offer a mix of both system and appliance coverage. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it 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 associated with Cinch's plans are close to the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services full review.
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|
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they stop working over time due to normal wear and tear. Having a home warranty in place can provide some peace of mind and guard your bank account from big out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty plan.
When one of your systems or appliances has a problem, you file a claim with your service provider. You can do so in an online portal or by telephone, and then a repair technician will come and fix the problem.
Once you submit the claim, it will be assigned to a local technician that will come to your home and fix the issue. At this point, you pay the service fee. Service fees typically range in price from around $60 to $150 and this is the only out-of-pocket fee you will need to pay unless the repair cost is more than your home warranty's coverage limit.
A home warranty plan will cover systems and appliances that have stopped working from normal wear and tear. For example, if your refrigerator suddenly needs repairs under normal use conditions, your home warranty provider can help. The appliances usually covered under a home warranty plan are the dryer, oven, microwave, dishwasher, refrigerator, washing machine, and more. System coverage typically includes plumbing, electrical systems, heating, air conditioning, and more.
Add-on coverage options can vary by plan but commonly include things like a central vacuum, septic system, second refrigerator, sprinkler system, and plumbing stoppages.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your home and follow preventative maintenance guidelines, your home warranty will not cover it. Also, a home warranty does not cover misuse, cosmetic damages, lack of maintenance, and pre-existing conditions.
Rancho Cordova's hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.
Additionally, having a Rancho Cordova home warranty can help make your house more appealing to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the same protection you've been receiving.
One main drawback of a home warranty is not everything may be covered. It's important to compare the different plans and select one that covers all the appliances, systems, and add-ons you need.
Another consideration is that home warranties typically only cover repairs needed due to normal wear and tear. They most likely won't cover systems or appliances that have stopped working due to improper maintenance, animal infestations, natural disasters, etc.
After researching the basics of home warranties in Rancho Cordova, the next step is to decide which company you'd like to receive a free quote from. Policies can vary, so consider the following factors when deciding on a home warranty plan:
The best home warranty provider in Rancho Cordova is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced contractors and a tremendous reputation in the Rancho Cordova area.
Home warranty policies cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different kind of insurance that protects your entire home from natural disasters, which can sometimes be a concern in Rancho Cordova. It doesn't cover a typical appliance or system repairs.
Home warranty plans typically last a year. Many companies let you renew your plan yearly, which can be useful in Rancho Cordova for added protection against something like your air conditioner needing repairs when you require it the most.
Homeownership can be costly, especially in a place in Rancho Cordova where the cost of living is quite high. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty plan, you won't have any big hits to your bank account for home maintenance.
A home warranty in Rancho Cordova can cost between $40 and $80 a month. The higher-priced plans usually have more coverage, a lower service fee, and higher coverage limits.
Most home warranty companies have a 30-day waiting period before you can file claims, but some may offer coverage sooner so make sure you check with the company about this.