Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Considering getting a home warranty? One of our top home warranty providers can help. Stockton gives homeowners some beautiful housing options. However, unplanned repair and replacement costs on your home's systems and appliances can get quite pricey.
A home warranty can give you the peace of mind you need about your home and shield your savings account from large expenses by covering your home's major systems and appliances. Even though a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the best choice for your Stockton home. That's why we've done the research and have compiled a list of the top home warranty companies in Stockton.
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 Stockton. Choice has been in business for more than 15 years, making it a well-regarded company in the industry. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage. With a home warranty from Choice, you can benefit from 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 offer a mix of appliance and system coverage. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our detailed 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 Stockton, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty business for over 11 years. 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 a mix of both system and appliance coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select's service fees are a reasonable $60, and the coverage limits come out to about $2,000 per covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our comprehensive review of Select Home Warranty to learn more.
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 Stockton, American Home Shield is the most customizable home warranty. AHS has more than 26 years of experience in the industry and in that time has built a a skilled network of service technicians in the country. With a home warranty from AHS, you can benefit from 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. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
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 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, fill out this online form or give them a call at 888-365-2839. Read our American Home Shield full review to learn more.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Stockton, The Home Service Club is the best home warranty with the quickest service. HSC has more than 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. HSC offers 2 plans for you to decide between. 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 Home Service Club has 2 plans that provide a mix of appliance and system coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our The Home Service Club Review.
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
In Stockton, First American Home Warranty offers the best home warranty for appliance coverage. First American offers 2 plans for you to decide between. When you buy a home warranty 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.
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 most of the major systems and appliances, and service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read more by visiting 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
In Stockton, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been operating for more than 44 years, making it a highly regarded company in the industry. Cinch has 3 simple plans, making the selection process easy. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
Read more by visiting our comprehensive review of Cinch Home Services. To get 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
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 | $6,633 |
| Heating | $4,422 |
| Electrical | $663 |
| Toilets | $553 |
| Washer/Dryer | $884 |
| Plumbing | $663 |
| Oven | $1,769 |
| Fridge | $663 |
A home warranty is a protection plan that covers home systems and appliances. When your HVAC breaks down, and the repair costs several hundred dollars, a home warranty will ensure that you're only responsible for a predetermined service fee. Home warranty companies often don't require an inspection, and coverage generally goes into place about 30 days after purchasing the policy.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty service provider. Most companies have an online portal system to help you do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
At this point, you will pay the service fee. Service fees for home warranties range from $60 to $150. Most home warranty plans also have a coverage limit, which is the maximum amount per year that the home warranty company will cover for repairs and replacements.
A home warranty plan offers coverage on your home's major appliances and systems and it can help lower the cost of maintenance on your home. Appliances covered under a home warranty plan are typically the dryer, refrigerator, dishwasher, microwave, garbage disposal, and more. Systems that are covered include electrical systems, plumbing, heating, and air conditioning.
Add-on coverage options can vary by provider but often include things such as a septic system, second refrigerator, sprinkler system, central vacuum, and plumbing stoppages.
An important thing to consider is that home warranties only protect against normal wear and tear on your home systems and appliances. Things like cosmetic damages, misuse, lack of maintenance, and pre-existing conditions are excluded from the home warranty policy.
Home warranties are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Stockton reaching an average high of 76℃F, you may find that certain appliances, such as your air conditioning system, get a lot of use. A home warranty can considerably bring down out-of-pocket expenses should your HVAC system break down.
Not only can a Stockton home warranty save you some money on repairs and replacements, it saves you time too. Instead of having to vet technicians by yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them.
Home warranties also have some cons. While it can be convenient that the home warranty sends out a repair person who carries out the repair for you, some people may not like this, and they would rather choose their own contractor. If that's the case for you, some home warranty plans allow you to choose a contractor.
Additionally, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
When you're ready to get a home warranty plan, the first step is deciding what items you need coverage for. From there, you can compare your options and call different home warranty providers for a free quote. When trying to figure out which home warranty company is the right one for you, here are some important factors to bear in mind:
The top home warranty provider in Stockton is Choice Home Warranty. Choice Home Warranty has a large network of professional contractors and a tremendous reputation in the Stockton area.
A home warranty is a service contract that gives homeowners extra coverage for their household systems and appliances. These include garbage disposals, refrigerators, washing machines, dryers, dishwashers, electrical systems, sump pumps, plumbing, water heaters, and heating and cooling systems, among others. Some companies also offer coverage for garage door openers, pools, ceiling fans, and roofs. A home warranty can help you save money if these items fail unexpectedly.
First-time homebuyers, home sellers, homeowners, real estate agents, and landlords 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.
Most home warranties will cover replacement costs as well as repair costs. The coverage cap varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A service fee is an expense that you must pay before a repair person or contractor comes to your home to fix your home warranty-related issue. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty in place apart from the monthly premium/annual cost unless the cost of the repair is higher than the coverage cap.
The systems and appliances in a home are covered under a home warranty in Stockton. Everything from a stove to a garage door can be covered under a home warranty depending on the plan.
