Written By David Cusick
Last Updated February 2024
Buying a home is a big step for many people, but maintaining it can be costly over time, especially if your home in Roseville is on the older side. A home warranty plan can help protect homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the right protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Roseville. Keep reading for our 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 is the most trustworthy home warranty in Roseville. Liberty has been in the home warranty business for over 6 years. The 3 plans that Liberty offers include options for appliance and system coverage. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it 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 lower than other providers in the Roseville area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information on this provider, read our review of Liberty Home Guard.
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 is the best overall home warranty in Roseville. Choice has been in the home warranty business for over 15 years. The 2 plans that Choice offers include options for appliance and system coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, 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 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 lower than other providers in the Roseville area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information on this provider, read 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
Select Home Warranty is the most cost-effective home warranty in Roseville. Select has been in the home warranty business for over 11 years. The 3 plans that Select offers include options for appliance and system coverage. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it 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 lower than other providers in the Roseville area.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information on this provider, read 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
American Home Shield is the most customizable home warranty in Roseville. AHS has been in the home warranty business for over 26 years. The 3 plans that AHS offers include options for appliance and system coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it 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 lower than other providers in the Roseville area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information on this provider, read our review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
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 is the home warranty with the best workmanship guarantee in Roseville. Cinch has been in the home warranty business for over 44 years. The 3 plans that Cinch offers include options for appliance and system coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it 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 lower than other providers in the Roseville area.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information on this provider, read 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
The Home Service Club is the best home warranty with the quickest service in Roseville. HSC has been in the home warranty business for over 15 years. The 2 plans that HSC offers include options for appliance and system coverage. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, HSC is the perfect provider for you. Plus, it 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 lower than other providers in the Roseville area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information on this provider, read 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 | $6,269 |
Heating | $4,179 |
Electrical | $627 |
Toilets | $522 |
Washer/Dryer | $836 |
Plumbing | $627 |
Oven | $1,672 |
Fridge | $627 |
A home warranty is a protection policy that assists Roseville homeowners reduce the expenses of appliance and system repairs. The plans provide coverage to repair or swap out appliances and systems that stop working 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 repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid high-priced emergency repairs. The coverage is especially helpful for those living in older houses or houses with fixtures near the end of their life span. However, people with newer homes and working appliances might not require a home warranty.
Home warranties cover your household systems and appliances. Typical covered appliances include dishwashers, dryers, refrigerators, garbage disposals, microwaves, washers, and more. Covered systems include air conditioning, plumbing, electrical, and heating. Many home warranty plans offer extra coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Roseville homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are multiple home warranty terms to know before signing an agreement, including:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty plans can have major differences in covered items. Most plans cover AC, plumbing, heating, electrical, and appliances. More inclusive options also offer protection for other items such as spas, roof leaks, pools, and well pumps. Look for a company that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Read through review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about providers. Favorable reviews and ratings suggest a company known for delivering quality service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Reach out to potential companies to ask how many repair specialists they have in Roseville and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks raise the probability of getting qualified contractors to swiftly service your home.
Some home warranty plans include bonuses such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These perks can add value beyond repair coverage. Extra bonuses can maximize the usefulness of 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 Roseville hitting an average high of 53℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can significantly lower out-of-pocket expenses should your HVAC system break down.
As well as saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair issues you may come across. A home warranty can also provide value in other ways. For instance, some policies can be transferred between owners during a home sale.
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 under a manufacturer's warranty.
Another thing to take into consideration is that some providers don’t cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty provider for clarification about this if you aren’t sure or if this is an issue for you.
A home warranty in Roseville can cost anywhere from $30 to $60 a month. Higher-priced plans typically have broader coverage, higher coverage limits, and a lower service fee. 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 kinds of damage each covers. A home warranty plan helps protect against normal wear and tear to home systems and appliances. Homeowners insurance protects your home in a situation such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim if you need a new washing machine or oven, unless the damage is a result of a natural disaster, which is somewhat common in Roseville.
Homebuyers, homeowners, landlords, real estate agents, and home sellers are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
A home warranty policy will cover your home’s systems, appliances, 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 want to save some money.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Typically, the homeowner 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 have to pay the service fees when using the policy. Considering that the average home value in Roseville is $361,677, a home warranty can be an added asset when buying a home.