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Last Updated: February 25, 2025
Concord offers homeowners some beautiful housing options. However, unplanned repair and replacement costs on your home’s appliances and systems can get quite expensive. A home warranty can bring you the peace of mind you need and guard your bank account from large expenses by covering your home’s major appliances and systems.
The home warranty market is filled with many providers — all with different offerings — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Concord.
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 Concord. Liberty has been in business for over 6 years, making it a well-regarded company in the industry. Liberty has 3 plans for homeowners to choose from. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000.
For a more detailed breakdown, read our review of Liberty Home Guard. To get 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 Concord. Choice has been in business for over 15 years, making it a well-regarded company in the industry. Choice has 2 plans for homeowners to choose from. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
For a more detailed breakdown, read our review of Choice Home Warranty. To get 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 Concord. Select has been in business for over 11 years, making it a well-regarded company in the industry. Select has 3 plans for homeowners to choose from. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it 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. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000.
For a more detailed breakdown, read our review of Select Home Warranty. To get 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 Concord. AHS has been in business for over 26 years, making it a well-regarded company in the industry. AHS has 3 plans for homeowners to choose from. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500.
For a more detailed breakdown, read our review of American Home Shield. To get 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 Concord. First American has been in business for over 39 years, making it a well-regarded company in the industry. First American has 2 plans for homeowners to choose from. First American offers very affordable and comprehensive appliance coverage. Plus, 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 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also about $1,500.
For a more detailed breakdown, read our review of First American Home Warranty. To get 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 Concord. Cinch has been in business for over 44 years, making it a well-regarded company in the industry. Cinch has 3 plans for homeowners to choose from. 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.
The 3 plans from Cinch Home Services 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 about $1,000-$2,000.
For a more detailed breakdown, read our review of Cinch Home Services. To get 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 Concord. HSC has been in business for over 15 years, making it a well-regarded company in the industry. HSC has 2 plans for homeowners to choose from. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, 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 The Home Service Club 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 about $2,000.
For a more detailed breakdown, read our review of The Home Service Club. To get 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 | $6,228 |
| 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 high costs of household repairs. These plans provide financial coverage to repair or replace appliances and systems that stop working from normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are particularly useful for owners of older homes or homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as garbage disposals, dishwashers, refrigerators, dryers, microwaves, washers, and others. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranty companies also provide add-on coverage for central vacuums, septic systems, roof leaks, and locksmiths. It's important for Concord homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
There are several important considerations when selecting a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic plans typically include electrical, heating, AC, plumbing, and appliances, while more comprehensive plans may also cover spas, pools, roof leaks, and well pumps. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize protection for your home's needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain companies may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation can give you insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Use review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Positive ratings and feedback indicate a provider known for great service.
Home warranty providers maintain networks of professionals to handle covered repairs. Larger networks increase the likelihood of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Concord to get a sense of how quickly your repairs could be handled in an emergency.
Certain home warranty companies provide extras such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These provide extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Concord hitting an average high of 69℃F, you may find that some appliances, such as your air conditioning unit, get a lot of use. A home warranty can significantly decrease out-of-pocket expenses should your HVAC system break down.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of vetting service technicians by yourself, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. A home warranty can also provide value in other ways. For instance, some plans can be transferred to another owner when you sell your home.
As for the downsides of home warranties, coverage varies by company, so it’s important to review what each policy covers and excludes in the contract.
Another thing to consider is that some providers don’t cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty provider for clarification about it if you aren’t sure or if this is a problem for you.
A home warranty in Concord can cost anywhere from $30 to $60 a month. The higher-priced plans tend to have higher coverage limits, a lower service fee, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce 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 types of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Concord.
A home warranty can help homeowners, real estate agents, investors, homebuyers, and home sellers. It can offer peace of mind and savings to anyone involved in homeownership.
The different home warranties in Concord include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, such as your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the items listed in the policy.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, however, the one selling the home may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Concord is $362,762, a home warranty can be an added asset when buying a home.
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