Written By David Cusick
Last Updated April 2024
Concord offers homeowners some beautiful living options. However, unanticipated repair and replacement costs on your home’s systems and appliances can get quite expensive. A home warranty policy can help protect homeowners by cutting the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be overwhelming, as there are dozens of companies to choose from. That’s why the Today's Homeowner team did the research and put together a list of the top home warranty companies in Concord for you.
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 Concord. Liberty has over 6 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 3 plans from Liberty are easy to comprehend and offer a mix of both system and appliance coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000.
Read more by visiting our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, fill out this online form or call 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 is the best overall home warranty in Concord. Choice has over 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 2 plans from Choice are easy to comprehend and offer a mix of both system and appliance coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It 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. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000.
Read more by visiting our Choice Home Warranty Review. To receive 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
Select Home Warranty is the most cost-effective home warranty in Concord. Select has over 11 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 3 plans from Select are easy to comprehend and offer a mix of both system and appliance coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It 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. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000.
Read more by visiting our Select Home Warranty Review. To receive 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
American Home Shield is the most customizable home warranty in Concord. AHS has over 26 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 3 plans from AHS are easy to comprehend and offer a mix of both system and appliance coverage. 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500.
Read more by visiting our American Home Shield Review. To receive 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
First American Home Warranty is the best home warranty for appliance coverage in Concord. First American has over 39 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 2 plans from First American are easy to comprehend and offer a mix of both system and appliance coverage. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500.
Read more by visiting our First American Home Warranty Review. To receive 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Concord. Cinch has over 44 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 3 plans from Cinch are easy to comprehend and offer a mix of both system and appliance coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000.
Read more by visiting our Cinch Home Services Review. To receive 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
The Home Service Club is the best home warranty with the quickest service in Concord. HSC has over 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 2 plans from HSC are easy to comprehend and offer a mix of both system and appliance coverage. 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000.
Read more by visiting our The Home Service Club Review. To receive 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 | $6,228 |
Heating | $4,152 |
Electrical | $623 |
Toilets | $519 |
Washer/Dryer | $830 |
Plumbing | $623 |
Oven | $1,661 |
Fridge | $623 |
A home warranty is a protection plan that assists Concord homeowners reduce the expenses of appliance and system repairs. The plans offer coverage to fix or replace appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the fix 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 security for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who own older homes or ones with aging systems. Newer builds with modern appliances probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are dishwashers, dryers, garbage disposals, washers, microwaves, refrigerators, and more. Included systems are usually electrical, heating, air conditioning, and plumbing. Many home warranty providers offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Concord homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage can have major differences in what's included. Most plans include protection for heating, plumbing, AC, electrical, and appliances. More inclusive options also offer coverage on other items such as spas, roof leaks, well pumps, and pools. Look for a company that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain providers may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty company's track record gives insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate a company known for stellar service.
Home warranty companies have networks of contractors to handle covered repairs. Bigger networks raise the probability of getting qualified technicians to swiftly service your home. Reach out to potential providers and ask how many contractors they have in Concord to get a sense of how soon your repairs could happen in an emergency.
Certain home warranty providers include extras such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These can offer extra value beyond repair coverage. Extra perks help improve your home and maximize your home warranty.
Concord’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the repairs, preventing you from spending a lot of money out of pocket.
Not only can a home warranty give you some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty deals with the research by sending trusted professionals to your door when you need them most. Another good thing about having a home warranty is when you’re selling your home, some providers let you transfer your home warranty policy to the new owners. It can make your home more attractive to potential homebuyers and may help your house sell faster.
As for the downsides 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 systems or appliances that haven’t been properly maintained. This can lead to your claims being denied, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty policy costs, on average, about $300 to $600 a year in Concord. 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. In addition, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover problems with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different insurance that protects the entire home from natural disasters, which can sometimes be a concern in Concord. It doesn't cover a typical appliance or system repairs.
Homebuyers, home sellers, landlords, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
A home warranty plan will cover your home’s appliances, systems, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Home warranty plans typically last a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
In general, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees. In Concord, where the median home value is $362,762, having the seller pay for the home warranty can save you some money on your new home.