Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a house can have a lot of perks, but it can also come with some negatives like maintenance. The older your house’s appliances and systems are, the more you may want to consider getting a home warranty. A home warranty is a way to protect your savings account from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Finding the best home warranty on the market can be difficult, since there are lots of companies to choose from. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Yuba City 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 Yuba City, Choice Home Warranty offers the best overall home warranty. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. When you buy a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners 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 comprehensive review of Choice Home Warranty. To get 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 Yuba City, Select Home Warranty offers the most cost-effective home warranty. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. When you buy a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners 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 comprehensive review of Select Home Warranty. To get 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 Yuba City, American Home Shield offers the most customizable home warranty. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. When you buy a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners 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 comprehensive review of American Home Shield. To get 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 Yuba City, First American Home Warranty offers the best home warranty for appliance coverage. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. 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 major systems and appliances, and service fees are a reasonable $85.
To read more, visit our comprehensive review of First American Home Warranty. To get 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 Yuba City, Cinch Home Services offers the home warranty with the best workmanship guarantee. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. 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.
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 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 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
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 Yuba City, The Home Service Club offers the best home warranty with the quickest service. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. When you buy a home warranty 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 plans that HSC offers to homeowners 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 comprehensive review of The Home Service Club. To get 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 | $6,412 |
| Heating | $4,275 |
| Electrical | $641 |
| Toilets | $534 |
| Washer/Dryer | $855 |
| Plumbing | $641 |
| Oven | $1,710 |
| Fridge | $641 |
A home warranty is a protection policy that helps Yuba City homeowners in reducing the costs of appliance and system repairs. The plans provide financial coverage to replace or repair 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 provider then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent expensive emergency repairs. Home warranties are particularly useful for older construction homes with aging systems. New homes with up-to-date appliances may not need a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as microwaves, refrigerators, garbage disposals, dishwashers, dryers, washers, and others. Covered systems include heating, plumbing, air conditioning, and electrical. Many home warranty companies also provide add-on coverage for roof leaks, septic systems, locksmiths, and central vacuums. Most home warranty plans require Yuba City homeowners to wait 30 days before the plan will cover repairs. Moreover, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
When selecting a home warranty provider, there are several important factors to consider:
Home warranties have significant variation in what they include. Basic policies typically provide protection for electrical, heating, AC, plumbing, and appliances, while more comprehensive plans may also cover pools, well pumps, spas, and roof leaks. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with lower service fees to maximize savings. Some providers also do away with deductibles when customers have a claim-free period.
A home warranty provider's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Contact potential businesses to ask how many repair specialists they have in Yuba City and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks raise the chance of getting qualified contractors to promptly service your home.
Certain home warranty providers include extras such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These bonuses provide extra value beyond repair coverage. Added perks enhance your home and help maximize your home warranty.
Home warranty policies are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Yuba City reaching an average high of 75℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can significantly bring down out-of-pocket costs should your HVAC system stop working.
On top of saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may experience. Another good thing about having a home warranty is while selling your home, some providers let you transfer your home warranty to the new owners. This can make your house more attractive to potential homebuyers and help your home sell faster.
As for the disadvantages of home warranties, home system and appliance coverage varies by provider, so it’s important to read what each plan covers and doesn’t include in the contract.
Another pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your repair requests being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Yuba City can cost between $30 and $60 a month. The higher-priced plans typically have a lower service fee, higher coverage limits, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some companies 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 kinds of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects a home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Yuba City.
A home warranty policy can help real estate agents, investors, homebuyers, home sellers, and homeowners. It can provide peace of mind to anyone involved with homeownership.
A home warranty policy can cover your systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some companies may offer month-to-month options.
Typically, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Yuba City, where the median home value is $451,606, having the seller pay for the home warranty can be a good asset for your new home.
