Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Are you considering a home warranty? Try one of our recommended home warranty companies. Homeownership in Oakdale can be a gratifying step for many people, but it also comes with its fair share of headaches. Home repairs can be an unexpected financial burden for many homeowners.
When one of your systems or appliances stops working, a home warranty will help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less stressed by homeownership. Finding the right home protection plan for your Oakdale home can be time-consuming, so our team at Today's Homeowner did the research to help you find the top home warranty in Oakdale for your home. Keep reading for our home warranty company recommendations.
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 for Oakdale residents. Choice is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 home warranty plans that Choice offers include options for appliance and system coverage. When you purchase 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.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage caps associated with Choice's plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting our full 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 Oakdale, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty industry for about 11 years. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. When you buy a plan 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 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 many major systems and appliances, and service fees are a reasonable $60.
For a more detailed breakdown, read 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 Oakdale, American Home Shield is the most customizable home warranty. AHS has been in the home warranty business for around 26 years. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also 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 some plans may have different coverage caps, 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, fill out this online form or call 888-365-2839. To read more, visit our review of American Home Shield.
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
The Home Service Club offers the best home warranty with the quickest service in Oakdale. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. 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 HSC are easy to understand and offer both system and appliance coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered system or appliance.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our The Home Service Club Review.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Oakdale. Liberty has been operating for about 6 years, making it a well-regarded company in the industry. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 policies that Liberty offers include options for appliance and system coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty's service fees are an affordable $75, and the coverage caps come out to about $3,000 for each covered system or appliance.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our full review of Liberty Home Guard to learn more.
Appliance Guard
Systems Guard
Total Home Guard
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 Oakdale. 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. Cinch has 3 plans for homeowners to choose from.
The 3 plans from Cinch Home Services are 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 be sure to check with the company. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our thorough review of Cinch Home Services to learn more.
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 | $6,273 |
| Heating | $4,182 |
| Electrical | $627 |
| Toilets | $523 |
| Washer/Dryer | $836 |
| Plumbing | $627 |
| Oven | $1,673 |
| Fridge | $627 |
A home warranty is a protection plan for home systems and appliances. When your refrigerator stops working, and the repair is several hundred dollars, a home warranty will make sure that your only cost is a predetermined service fee. Home warranty companies usually don't require an inspection, and coverage generally goes into place about 30 days after purchasing the policy.
For Oakdale homeowners, it is very straightforward to file a claim when a problem happens with a covered appliance or system. Most home warranty providers have an online portal system where you can submit a claim.
At this point, you'll also need to pay your service fee. Once the repair person takes a look at the issue, they will deal with it at no cost to you. The only time you may have out-of-pocket costs is if the repair or replacement is higher than the item's coverage cap.
Home warranty plans help protect both home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear. Common appliances covered under a home warranty plan include a garbage disposal, refrigerator, dryer, dishwasher, microwave, washer, and more. The systems that are usually covered will be electrical systems, plumbing, heating, and air conditioning.
Add-on options can vary by company but typically include things such as a septic system, second refrigerator, central vacuum, sprinkler system, and plumbing stoppages.
Oakdale homeowners should understand that a home warranty will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like misuse of a system or appliance, cosmetic issues, pre-existing conditions, or natural disasters. You have to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related problem will be covered by the policy.
Oakdale's frigid winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, saving you from spending a lot of money out of pocket.
Plus, having a Oakdale home warranty can make your house more attractive to potential homebuyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you've been receiving.
One of the main drawbacks of home warranties is not everything you care about may be covered. It's important to compare the different policies and get one that covers all the appliances, systems, and add-ons you need.
Another thing to consider is that some companies don't cover pre-existing conditions and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about it if you need more information or if this is a problem for you.
Determining the right provider for your home warranty is a step you can take to help protect your property. Below is a list of factors that you'll want to keep in mind when choosing a home warranty provider:
The best overall home warranty company in Oakdale is Choice Home Warranty, but the right company for you will depend on factors such as what appliances and systems you need to have covered.
Home warranty plans cover issues with home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a larger insurance that protects your entire home from natural disasters, which might not be too much of a concern in Oakdale. It doesn't cover a typical appliance or system breakage.
A home warranty can help investors, home sellers, homebuyers, real estate agents, and homeowners. It can provide peace of mind and savings to anyone involved in homeownership.
Generally a home warranty lasts for a year and you can renew it every year. In Oakdale where many rely on heaters to warm their homes in the brisk winters, renewing your policy could help prevent large expenses if your HVAC system needs repairs.
A service fee is an expense that a homeowner pays before a service technician or contractor comes to your home to fix your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty apart from the monthly premium/annual cost unless the cost of the repair is greater than the coverage cap.
A home warranty plan can cost on average anywhere from around $300 to $800 a year in Oakdale. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. It's important to compare plans to determine what you're really getting for the price.
Home warranties usually don't cover issues due to intentional breaking of an appliance, natural disasters, pre-existing conditions, or lack of proper maintenance. The policy only covers damage due to normal wear and tear. Although it doesn't cover all kinds of damage, a home warranty can still be useful to help you save some money in a town like Oakdale.
