Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home can have lots of benefits, but it can also come with some downsides like maintenance. The older your house’s systems and appliances are, the more likely it is that you'll benefit from a home warranty. A home warranty in Fair Oaks can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that break down due to normal wear and tear.
Finding the right protection for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Fair Oaks. Read on for our home warranty recommendations.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Fair Oaks. Liberty has around 6 years of industry experience and in that time has built a impressive network of service technicians nationwide. Liberty offers 3 plans for homeowners to choose from. When you purchase a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a mix of appliance and system coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Fair Oaks area.
For a more detailed breakdown, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
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 offers the best overall home warranty in Fair Oaks. Choice has around 15 years of industry experience and in that time has built a impressive network of service technicians nationwide. Choice offers 2 plans for homeowners to choose from. When you purchase a policy 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.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Fair Oaks area.
For a more detailed breakdown, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
Select Home Warranty offers the most cost-effective home warranty in Fair Oaks. Select has around 11 years of industry experience and in that time has built a impressive network of service technicians nationwide. Select offers 3 plans for homeowners to choose from. When you purchase a policy 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.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Fair Oaks area.
For a more detailed breakdown, read our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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
American Home Shield offers the most customizable home warranty in Fair Oaks. AHS has around 26 years of industry experience and in that time has built a impressive network of service technicians nationwide. AHS offers 3 plans for homeowners to choose from. When you purchase a policy 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.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Fair Oaks area.
For a more detailed breakdown, read our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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
First American Home Warranty offers the best home warranty for appliance coverage in Fair Oaks. First American has around 39 years of industry experience and in that time has built a impressive network of service technicians nationwide. First American offers 2 plans for homeowners to choose from. When you purchase a policy 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.
First American Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Fair Oaks area.
For a more detailed breakdown, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Fair Oaks. Cinch has around 44 years of industry experience and in that time has built a impressive network of service technicians nationwide. Cinch offers 3 plans for homeowners to choose from. When you purchase a policy 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.
Cinch Home Services has 3 plans that provide a mix of appliance and system coverage. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Fair Oaks area.
For a more detailed breakdown, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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
The Home Service Club offers the best home warranty with the quickest service in Fair Oaks. HSC has around 15 years of industry experience and in that time has built a impressive network of service technicians nationwide. HSC offers 2 plans for homeowners to choose from. When you purchase a policy 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 Home Service Club has 2 plans that provide a mix of appliance and system coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Fair Oaks area.
For a more detailed breakdown, read our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,263 |
| Heating | $4,175 |
| Electrical | $626 |
| Toilets | $522 |
| Washer/Dryer | $835 |
| Plumbing | $626 |
| Oven | $1,670 |
| Fridge | $626 |
A home warranty is a protection policy that helps Fair Oaks homeowners in lowering the expenses of appliance and system repairs. The plans provide financial coverage to replace or fix 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 finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty plan gives homeowners a sense of security because it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties protect your household systems and appliances. Common covered appliances are refrigerators, dryers, dishwashers, garbage disposals, washers, microwaves, and more. Covered systems include air conditioning, electrical, plumbing, and heating. Various home warranty plans offer additional coverage for roof leaks, septic systems, central vacuums, and even locksmiths. It's important for Fair Oaks homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or improperly using a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
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 key factors to consider:
Home warranties differ greatly in the items covered. Basic plans typically provide protection for heating, AC, plumbing, electrical, and appliances, while more comprehensive options may also cover roof leaks, spas, well pumps, and pools. Focus on providers with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize protection for your needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per repair request filed. The costs from multiple fees can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation gives insight into things such as approval rates, contractor quality, repair timeliness, and customer service. Use review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty providers have networks of contractors that they use to tackle covered repairs. Larger networks raise the probability of getting qualified contractors to your home promptly. Reach out to possible providers to ask how many repair professionals they have in Fair Oaks to understand how long repairs might take in an urgent situation.
Certain home warranty companies offer extras such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These can provide extra value beyond repair coverage. Extra perks help improve your home and help maximize your home warranty.
Home warranties are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Fair Oaks hitting an average high of 70℃F, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can considerably decrease out-of-pocket costs should your HVAC system stop working.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the headache 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 problems you may have. 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.
There are also some downsides to getting a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty.
Another thing to take into consideration is that some companies don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty company for clarification about it if you aren’t sure or if this is an issue for you.
A home warranty policy costs, on average, around $300 to $600 a year in Fair Oaks. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. Additionally, it's usually 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. 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 should you need a new refrigerator or stove, unless the damage is a result of a natural disaster, which is somewhat common in Fair Oaks.
A home warranty can help investors, homebuyers, homeowners, home sellers, and real estate agents. It can provide peace of mind and savings to anyone involved with homeownership.
The different kinds of home warranties in Fair Oaks include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items listed in the contract.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Usually the person who owns the home pays for the home warranty. In some cases, though, the home seller may purchase 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. Since the average home value in Fair Oaks is $431,611, a home warranty can save you some money when buying a home.
