Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
Buying a home is a big step for many, but maintaining it can get expensive over time, especially if your home in San Ramon is on the older side. A home warranty in San Ramon can help bring down your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that stop working due to normal wear and tear.
Finding the best home warranty on the market can be time-consuming, as there are lots of companies to decide between. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in San Ramon 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
In San Ramon, Choice Home Warranty offers the best overall home warranty. The 2 policies that Choice offers include options for appliance and system coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To read more, visit our Choice Home Warranty Review. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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 San Ramon, Select Home Warranty offers the most cost-effective home warranty. The 3 policies that Select offers include options for appliance and system 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To read more, visit our Select Home Warranty Review. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
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 San Ramon, American Home Shield offers the most customizable home warranty. The 3 policies that AHS offers include options for appliance and system coverage. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are 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 read more, visit our American Home Shield Review. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 San Ramon, First American Home Warranty offers the best home warranty for appliance coverage. The 2 policies that First American offers include options for appliance and system coverage. First American offers very affordable and comprehensive appliance coverage. Plus, 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 Home Warranty are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are close to the $1,500 mark for most major systems and appliances, and service fees are a reasonable $85.
To read more, visit our First American Home Warranty Review. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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 San Ramon, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 policies that Cinch offers include options for appliance and system coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To read more, visit our Cinch Home Services Review. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
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 San Ramon, The Home Service Club offers the best home warranty with the quickest service. The 2 policies that HSC offers include options for appliance and system coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, 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 The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To read more, visit our The Home Service Club Review. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 | $8,250 |
| Heating | $5,500 |
| Electrical | $825 |
| Toilets | $688 |
| Washer/Dryer | $1,100 |
| Plumbing | $825 |
| Oven | $2,200 |
| Fridge | $825 |
A home warranty is a protection policy that assists San Ramon homeowners cut the costs of appliance and system repairs. The plans offer financial coverage to fix or replace appliances and systems that malfunction due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid expensive emergency repairs. The coverage is especially helpful for those living in older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and functioning appliances may not need a home warranty.
Home warranties help protect your home systems and appliances. Common appliances covered under a home warranty include refrigerators, dryers, microwaves, garbage disposals, washers, dishwashers, and others. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty plans offer additional add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. San Ramon homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
There are several home warranty terms to know before signing an agreement, including:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage varies, although most plans cover AC, electrical, plumbing, heating, and appliances. More inclusive plans may also cover additional items such as spas, roof leaks, well pumps, and pools. Look for providers with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a provider with lower service fees to maximize savings. Some companies also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation provides insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Check review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Good ratings and feedback indicate a company known for great service.
Home warranty companies have networks of local technicians to handle repairs in your area. Reach out to potential providers to learn how many repair professionals they have in San Ramon and get an idea for how fast your repairs might happen in an emergency situation. Bigger networks raise the chances of getting qualified contractors to quickly service your home.
Home warranty providers sometimes include perks such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These extras can add value beyond repair coverage. Additional perks help maximize the usefulness of your home warranty.
Temperatures in San Ramon can get quite high in the summer, which means your air conditioner is most likely going to get a lot of use. As a homeowner in San Ramon, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may have. A home warranty can also provide value in other ways. For instance, some policies can be transferred to another owner when you sell your home.
As for the drawbacks of home warranties, system and appliance coverage varies by company, so it’s important to read what each policy covers and doesn’t include in the contract.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They most likely won’t cover home systems or appliances that have stopped working due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty plan costs, on average, around $300 to $600 a year in San Ramon. Our top-rated home warranty companies' 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 often cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan protects against normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in case of a situation such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim should you need a new washing machine or stove, unless the damage is due to a natural disaster, which isn't that common in San Ramon.
First-time homebuyers, landlords, home sellers, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
The different home warranties in San Ramon include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the contract.
Home warranty plans generally last a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Generally, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In San Ramon, where the median value of a home is $1,536,120, having the seller pay for the home warranty can save you some money on your new home.
