Written By David Cusick
Last Updated February 2024
Buying a home is a big step for many people, but the cost of maintaining it can get expensive over time, especially if your home in Rio Linda is on the older side. A home warranty plan can help protect homeowners 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 overwhelming, since there are so many companies to choose from. That’s why our team at Today's Homeowner did the research and put together a list of the best home warranty companies in Rio Linda for you.
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 is the best overall home warranty in Rio Linda. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a mix of system and appliance coverage. The coverage caps associated with Choice’s plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our Choice Home Warranty full review.
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 in Rio Linda. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it 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 provide a mix of system and appliance coverage. The coverage caps associated with Select’s plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our Select Home Warranty full review.
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 Rio Linda. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. With a home warranty from AHS, you can enjoy 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.
American Home Shield has 3 plans that provide a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are around the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our American Home Shield full review.
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 is the best home warranty for appliance coverage in Rio Linda. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. 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.
First American Home Warranty has 2 plans that provide a mix of system and appliance coverage. The coverage caps associated with First American’s plans are around the $1,500 mark for many of the major systems and appliances, and service fees are a reasonable $85.
To get 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 First American Home Warranty full review.
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 is the home warranty with the best workmanship guarantee in Rio Linda. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a mix of system and appliance coverage. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many 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, you can fill out this online form or call 877-589-0505. To read more, visit our Cinch Home Services full review.
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 is the best home warranty with the quickest service in Rio Linda. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it 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 system and appliance coverage. The coverage caps associated with HSC’s plans are around the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To get 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 The Home Service Club full review.
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 | $6,628 |
Heating | $4,419 |
Electrical | $663 |
Toilets | $552 |
Washer/Dryer | $884 |
Plumbing | $663 |
Oven | $1,767 |
Fridge | $663 |
A home warranty is a protection plan that helps lower expenses for Rio Linda homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for buyers of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and functioning appliances may not require a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as refrigerators, washers, dishwashers, garbage disposals, microwaves, dryers, and others. Covered systems include plumbing, heating, air conditioning, and electrical. Many home warranty companies also offer add-on coverage for roof leaks, septic systems, locksmiths, and central vacuums. Most home warranty plans require Rio Linda homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should know key terms like:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans provide coverage for heating, electrical, AC, plumbing, and appliances. More extensive plans may also include extra things such as well pumps, roof leaks, pools, and spas. Look for a company 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.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These per-claim charges 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 provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Look at review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about companies. Favorable reviews and ratings suggest a company known for delivering quality service.
Home warranty providers have networks of local contractors to handle repairs in your area. Contact potential providers to learn how many repair technicians they have in Rio Linda and get an idea for how quickly your repairs might happen in an emergency situation. Larger networks improve the chances of getting qualified contractors to promptly service your home.
Home warranty companies may offer bonuses such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These can add value beyond repair coverage. Added perks can maximize the usefulness of your home warranty.
Rio Linda’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 needed repairs, saving you from spending a lot of money out of pocket.
Not only can a home warranty offer some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty takes care of the research by sending trusted professionals to your door when you need them most. A home warranty can also offer value in other ways. For example, some plans can be transferred to another owner during a home sale.
Home warranties also have some cons. While it can be convenient that the home warranty sends out a service technician who handles the repair for you, some may not like this, and they may want to select a contractor themselves. If that’s the case for you, some home warranty companies allow you to select a contractor.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly 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 policy costs, on average, about $300 to $600 a year in Rio Linda. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different insurance that protects the entire home from natural disasters, which can sometimes be a concern in Rio Linda. It doesn't cover a typical appliance or system breakage.
A home warranty can help homeowners, real estate agents, home sellers, homebuyers, and investors. It can offer peace of mind to anyone involved in homeownership.
The different home warranties in Rio Linda include plans that cover either appliances or systems as well as combination plans. A combination plan covers almost all your home systems and appliances, including your refrigerator, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the items mentioned in the policy.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Usually, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Rio Linda, where the median value of a home is $436,013, having the seller pay for the home warranty can be a good asset for your new home.