Written By David Cusick
Last Updated February 2024
Although homeownership in Rancho Cucamonga has a great number of advantages — such as the convenience of city life — there are also downsides. One major hassle many homeowners have to deal with at some point is replacing or repairing their home appliances and systems. A home warranty can give you the peace of mind you need and shield your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Rancho Cucamonga. Read on for our top provider 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
In Rancho Cucamonga, Choice Home Warranty offers the best overall home warranty. When you buy a policy 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 has 2 plans for you to choose from.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Rancho Cucamonga area.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information, read our 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 Rancho Cucamonga, Select Home Warranty offers the most cost-effective home warranty. When you buy a policy 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 has 3 plans for you to choose from.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Rancho Cucamonga area.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For more information, 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
In Rancho Cucamonga, American Home Shield offers the most customizable home warranty. When you buy a policy 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. AHS has 3 plans for you to choose from.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Rancho Cucamonga area.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For more information, read our 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 Rancho Cucamonga, First American Home Warranty offers the best home warranty for appliance coverage. When you buy a policy 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 has 2 plans for you to choose from.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Rancho Cucamonga area.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For more information, read our 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 Rancho Cucamonga, Cinch Home Services offers the home warranty with the best workmanship guarantee. When you buy 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 plans for you to choose from.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Rancho Cucamonga area.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For more information, read our 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 Rancho Cucamonga, The Home Service Club offers the best home warranty with the quickest service. When you buy a policy 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. HSC has 2 plans for you to choose from.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Rancho Cucamonga area.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For more information, read our 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 | $7,308 |
Heating | $4,872 |
Electrical | $731 |
Toilets | $609 |
Washer/Dryer | $974 |
Plumbing | $731 |
Oven | $1,949 |
Fridge | $731 |
A home warranty is a protection plan that helps cut costs for Rancho Cucamonga homeowners needing appliance and system repairs. These plans provide financial coverage to repair or replace 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 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 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 homes with functional fixtures probably don’t require a home warranty.
Home warranties protect your home's systems and appliances. Typical covered appliances are garbage disposals, washers, dishwashers, refrigerators, microwaves, dryers, and more. Protected systems include heating, plumbing, electrical, and air conditioning. Various home warranty plans offer additional coverage for septic systems, roof leaks, central vacuums, and even locksmiths. It's important for Rancho Cucamonga homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. It's important to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by the policy.
Here are some key home warranty terms to understand before signing a contract:
When selecting a home warranty provider, there are several key factors to consider:
Home warranties differ greatly in the items covered. Basic policies typically include heating, AC, electrical, plumbing, and appliances, while more comprehensive options may also cover well pumps, spas, pools, and roof leaks. Look for a provider that offers an extensive selection of coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Look at review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about companies. Favorable reviews and ratings suggest a company known for quality service.
Home warranty providers keep networks of technicians to handle covered repairs. More extensive networks raise the likelihood of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Rancho Cucamonga to get a sense of how soon your repairs could happen in an emergency.
Some home warranty plans offer bonuses such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These perks can add value beyond repair coverage. Added bonuses can maximize the usefulness of the home warranty.
Since temperatures in Rancho Cucamonga can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Having a home warranty policy can help homeowners save money if one of these systems or appliances stops working all of a sudden.
A home warranty also can also save you time and energy. Instead of spending hours researching and selecting a contractor to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Additionally, having a home warranty can help make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you’ve been benefiting from.
As for the disadvantages of home warranties, home system and appliance coverage varies by company, so it’s important to understand what each plan covers and doesn’t include in the contract.
Another drawback is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if your house floods, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty policy costs, on average, about $300 to $600 a year in Rancho Cucamonga. Our high-rated home warranty providers' 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. Additionally, it's usually cheaper 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 protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim if you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Rancho Cucamonga.
A home warranty policy can help real estate agents, homeowners, home sellers, investors, and homebuyers. It can offer peace of mind and savings to anyone involved with homeownership.
A home warranty can cover your home’s systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month plans as well.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, though, the person who is selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Rancho Cucamonga is $740,817, a home warranty can save you some money when buying a home.