Written By Todays Homeowner Local Pros
Last Updated June 2023
Find the best home warranty provider for your home. Although homeownership in Sacramento has a great number of advantages — such as the convenience of city life — there are also downsides, similar to owning a house anywhere else. One major problem many homeowners have to deal with at some point is replacing or repairing their appliances and home systems.
A home warranty can give you the peace of mind you need about your home and safeguard your savings account from large expenses by covering your home's major systems and appliances. Choosing the best home warranties on the market can be challenging because of the sheer number of options out there. If you are frustrated with trying to compare the different options, keep reading for our guide on the best home warranty providers in Sacramento.
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 Sacramento residents. Choice has been in business for about 15 years, making it a well-regarded company in the industry. The 2 policies that Choice offers include options for appliance and system coverage. If you're looking for very high coverage caps and simple-to-understand service contracts, you'll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered system or appliance.
Read our 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.
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 Sacramento residents. Select has been in the home warranty industry for over 11 years. The 3 plans from Select are easy to understand and have a mix of both system and appliance coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it 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 system and appliance coverage. The coverage caps associated with Select's plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, 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 offers the most customizable home warranty in Sacramento. 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 plans from AHS are comprehensive and offer both system and appliance coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for most 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. For more information on this provider, read our review of American Home Shield.
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 Sacramento, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty business for over 15 years. When you purchase 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 warranty company offers 2 plans to policyholders that have various options for appliance and system coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered appliance or system.
Read more by visiting our review of The Home Service Club. To receive a free quote from The Home Service Club, you can fill out this online form or call 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 Sacramento. First American has over 39 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. If you're looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, 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 home warranty company offers 2 plans to policyholders with various options for appliance and system coverage.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps associated with First American's plans are close to the $1,500 mark for many of the major systems and appliances, and service fees are a reasonable $85.
For more information on this provider, read our comprehensive 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 is the home warranty with the best workmanship guarantee in Sacramento. When you buy a home warranty 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 offers 3 plans for you to decide between.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $150.
For more information on this provider, read our Cinch Home Services Review. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
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 helps homeowners manage the high costs of appliance and systems repairs. Home warranties will provide coverage for a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make budgeting and managing your finances less stressful. A home warranty plan usually has a 30-day waiting period from the time you purchase to when you can file your first claim.
For Sacramento homeowners, it is very straightforward to file a claim when an issue comes up with a covered appliance or system. Most home warranty companies have an online portal where a claim can be submitted.
Once you submit the claim, it will be assigned to a local repair person that will come to your home and look at the problem. At this point, you pay your service fee. Service fees generally range in price from about $60 to $150 and this is the only out-of-pocket expense you will have to pay unless the repair cost is more than your home warranty's coverage cap.
Home warranty plans help protect both home systems and appliances. A home warranty can cover repair and replacement-related expenses that are due to normal wear and tear. Appliances covered under a home warranty plan are typically the microwave, dishwasher, garbage disposal, refrigerator, dryer, and more. Systems that are covered include heating, plumbing, electrical systems, and air conditioning.
Many home warranty plans also provide add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks.
An important thing to consider is that home warranties only protect against normal wear and tear on your home systems and appliances. Things like lack of maintenance, cosmetic damages, misuse, and pre-existing conditions are not included in the home warranty policy.
Temperatures in Sacramento can get quite high in the summer, which means your air conditioner is most likely going to get a decent amount of use. As a homeowner in Sacramento, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
Additionally, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and maybe even make your home sell faster.
As for the downsides of home warranties, coverage varies by provider, so it's important to understand what each plan covers and excludes in the contract.
Another thing to bear in mind is that some providers don't cover pre-existing problems and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about these things if you need more information or if this is an issue for you.
After researching home warranties in Sacramento, the next step is to determine which company you're interested in getting a free quote from. Below is a list of factors that you'll want to be mindful of when choosing a home warranty provider:
Our pick for the best overall home warranty in Sacramento is Choice Home Warranty, but the right company for you will depend on factors like what appliances and systems you need coverage for.
A home warranty is a contract that covers repairing and replacing major home system components and appliances.
A home warranty policy can protect you from high-cost repair bills, but only if you decide to purchase a quality plan from a reputable company. When picking a home warranty company to purchase a plan from, you should look for things like its customer service and availability in your area. In addition, you should take into account the coverage the company offers and what kinds of appliances and systems are covered. Homes that have appliances and systems on the older end may need a policy with more coverage.
Owning a home can be expensive, especially in a place in Sacramento 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 in place, you won't have any large hits to your savings account for home maintenance.
Home warranties cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement costs more than the home warranty covers, you will have to pay for the rest out of pocket.
Home warranties usually will not cover issues that result because of natural disasters, intentional breaking of an appliance, lack of proper maintenance, or pre-existing conditions. They only cover damage from normal wear and tear. Although it doesn't cover everything, a home warranty can still be useful to help you save some money in a bustling city like Sacramento.