Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in San Lorenzo comes with lots of benefits, but it also comes with worries and concerns. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty can give you the peace of mind you need and shield your savings account from large expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be difficult, since there are dozens of companies to decide between. That’s why the Today's Homeowner team did the research and compiled a list of the best home warranty companies in San Lorenzo 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 for San Lorenzo residents. 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 plans from Choice are comprehensive and offer both system and appliance coverage.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the San Lorenzo area.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our thorough 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
Select Home Warranty is the most cost-effective home warranty for San Lorenzo residents. 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 plans from Select are comprehensive and offer both system and appliance coverage.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the San Lorenzo area.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our thorough 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 for San Lorenzo residents. 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.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the San Lorenzo area.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our thorough 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
First American Home Warranty is the best home warranty for appliance coverage for San Lorenzo residents. 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 plans from First American are comprehensive and offer both system and appliance coverage.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the San Lorenzo area.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our thorough 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
Cinch Home Services is the home warranty with the best workmanship guarantee for San Lorenzo residents. 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 plans from Cinch are comprehensive and offer both system and appliance coverage.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the San Lorenzo area.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our thorough 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
The Home Service Club is the best home warranty with the quickest service for San Lorenzo residents. 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 plans from HSC are comprehensive and offer both system and appliance coverage.
The Home Service Club has 2 plans that offer a mix of appliance and system coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the San Lorenzo area.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our thorough 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 | $7,555 |
| Heating | $5,037 |
| Electrical | $755 |
| Toilets | $630 |
| Washer/Dryer | $1,007 |
| Plumbing | $755 |
| Oven | $2,015 |
| Fridge | $755 |
A home warranty is a protection policy that helps cut costs for San Lorenzo homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace 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 fix 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 policy gives homeowners a sense of security since it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties help protect your home systems and appliances. Common covered appliances include dishwashers, dryers, washers, refrigerators, garbage disposals, microwaves, and others. Covered systems include electrical, air conditioning, plumbing, and heating. Many home warranty plans also offer add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. It's important for San Lorenzo homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans cover AC, electrical, plumbing, heating, and appliances. More inclusive options also include protection for other items such as well pumps, pools, roof leaks, and spas. Look for a company that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain providers may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation gives insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Favorable ratings and reviews indicate a company known for stellar service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Contact potential companies to ask how many repair technicians they have in San Lorenzo and get an idea of how fast your repairs could be handled in an emergency. More extensive networks increase the likelihood of getting qualified contractors to quickly service your home.
Some home warranty companies may include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These extras can provide extra value beyond repair coverage. Added bonuses allow you to enhance your home and get the most from your warranty policy.
Temperatures in San Lorenzo can get quite high in the summer, which means your air conditioner is likely to get a decent amount of use. As a homeowner in San Lorenzo, 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.
In addition, having a home warranty can save you time by getting rid of the need to research repair people — most companies will send a trusted professional right to your door to carry out the necessary repair or replacement. A home warranty can also yield value in other ways. For example, some policies can be transferred between owners when you sell your home.
One of the main drawbacks of a home warranty is not everything you care about may be covered. It’s important to research the different policies and choose one that covers all the appliances, systems, and add-ons you need.
Another downside is that home warranties may not include some repairs, such as those needed because of natural disasters. For example, if your house floods, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty in San Lorenzo can cost anywhere from $30 to $60 a month. The 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 providers will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which might not be too much of a concern in San Lorenzo. It doesn't cover a typical appliance or system damage.
A home warranty policy can help investors, real estate agents, homeowners, home sellers, and homebuyers. It can offer peace of mind to anyone involved in homeownership.
The different kinds of home warranties in San Lorenzo include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, such as your washing machine, drier, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the policy.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some providers may offer month-to-month plans.
Usually the homeowner pays for the home warranty. In some cases, though, the one selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in San Lorenzo is $821,988, a home warranty can be an added asset when buying a home.
