Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Being a homeowner in Turlock is an excellent option for those who enjoy up-and-coming areas. However, as great as Turlock is, homeownership always comes with its fair share of headaches, such as trying to pay for your appliance and system repairs yourself. A home warranty policy can help protect you by cutting the costs of major repairs and replacements on your home’s most important systems and appliances.
Choosing the best home warranty on the market can be a challenge because of the numerous options available. If you're overwhelmed by trying to compare them all, keep reading for our guide on the top home warranty providers in Turlock.
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 Turlock, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty industry for over 15 years. Choice has 2 plans for homeowners to decide between. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. 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 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 Turlock, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty industry for over 11 years. Select has 3 plans for homeowners to decide between. With a home warranty from Select, you can benefit from 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. 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 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
In Turlock, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for over 26 years. AHS has 3 plans for homeowners to decide between. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. 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 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
In Turlock, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty industry for over 39 years. First American has 2 plans for homeowners to decide between. With a home warranty from First American, you can benefit from 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. 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 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 Turlock, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for over 44 years. Cinch has 3 plans for homeowners to decide between. With a home warranty from Cinch, you can benefit from 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.
There are 3 home warranty plans from Cinch Home Services: 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 with some plans, the coverage caps can be higher, so make sure to check with the provider. 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 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
In Turlock, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty industry for over 15 years. HSC has 2 plans for homeowners to decide between. With a home warranty from HSC, you can benefit from 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. 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 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 | $6,490 |
| Heating | $4,326 |
| Electrical | $649 |
| Toilets | $541 |
| Washer/Dryer | $865 |
| Plumbing | $649 |
| Oven | $1,731 |
| Fridge | $649 |
A home warranty is a protection plan that helps Turlock homeowners lower the expenses of appliance and system repairs. The plans provide coverage to fix or swap out appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty gives security for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who live in older homes or ones with outdated systems. More modern builds with working fixtures probably don’t need a home warranty.
Home warranties cover your household systems and appliances. Common covered appliances include washers, refrigerators, garbage disposals, dryers, dishwashers, microwaves, and others. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty plans offer extra coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Turlock homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only help pay for repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or improperly using a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should understand key terms like:
There are several important factors to consider when choosing a home warranty provider:
Home warranty policies differ significantly in terms of coverage. Most plans cover plumbing, heating, AC, electrical, and appliances. More comprehensive options also offer protection for other items such as spas, roof leaks, pools, and well pumps. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out companies advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty company's reputation can give you insight into things such as repair timeliness, contractor quality, approval rates, and customer service. Use review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Good ratings and feedback indicate a provider known for great service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Reach out to potential providers to ask how many repair professionals they have in Turlock and get an idea of how fast your repairs could be handled in an emergency. Wider networks increase the likelihood of getting qualified contractors to quickly service your home.
Home warranty providers might include perks such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These extras can add value beyond repair coverage. Added perks maximize the usefulness of your home warranty.
Turlock’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the repairs, preventing you from spending unexpected money out of pocket.
Additionally, having a home warranty can save you time by getting rid of the need to research technicians — most providers 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 to another owner when you sell your home.
Home warranties also have some downsides. Although it can save you time when the home warranty sends out a repair technician who handles the repair for you, some may not like this, and they would rather choose their own contractor. 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 haven’t been properly maintained. This can lead to your repair requests being rejected, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Turlock can cost between $30 and $60 a month. The higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty protects against normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim if you need a new refrigerator or stove, unless the damage is a result of a natural disaster, which is somewhat common in Turlock.
A home warranty policy can help real estate agents, homeowners, home sellers, investors, and homebuyers. It can offer peace of mind to anyone involved with homeownership.
A home warranty plan will cover your appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Typically, the person who owns the home pays for the home warranty. In some cases, however, the home seller may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Turlock is $466,006, a home warranty can be an added asset when buying a home.
