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Last Updated: February 25, 2025
Homeownership in Concord can be exciting for many, but it also comes with its fair share of challenges. Home repairs can be an unanticipated financial burden for many homeowners. A home warranty can offer you the peace of mind you need and shield your bank account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be time-consuming, since there are dozens of companies to decide between. That’s why the Today's Homeowner team did the research and made a list of the best 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 for Concord residents. 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. The 3 policies that Liberty offers include options for appliance and system coverage.
Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our thorough review of Liberty Home Guard to learn more.
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 for Concord residents. 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. The 2 policies that Choice offers include options for appliance and system coverage.
Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our thorough review of Choice Home Warranty to learn more.
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 for Concord residents. 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. The 3 policies that Select offers include options for appliance and system coverage.
Select Home Warranty has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Select’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our thorough review of Select Home Warranty to learn more.
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 for Concord residents. 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. The 3 policies that AHS offers include options for appliance and system coverage.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our thorough review of American Home Shield to learn more.
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 for Concord residents. If you’re looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, it 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 policies that First American offers include options for appliance and system coverage.
First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage caps associated with First American’s plans are close to the $1,500 mark for most major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read our thorough review of First American Home Warranty to learn more.
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 for Concord residents. 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. The 3 policies that Cinch offers include options for appliance and system coverage.
Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, 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
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 for Concord residents. 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 2 policies that HSC offers include options for appliance and system coverage.
The Home Service Club has 2 plans that provide a combination of system and appliance coverage. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our thorough review of The Home Service Club to learn more.
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 | $7,152 |
| Heating | $4,768 |
| Electrical | $715 |
| Toilets | $596 |
| Washer/Dryer | $954 |
| Plumbing | $715 |
| Oven | $1,907 |
| Fridge | $715 |
A home warranty is a protection plan that assists Concord homeowners in lowering the expenses of appliance and system repairs. The plans provide coverage to swap out or repair 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 company then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties safeguard both your home systems and appliances. Common covered appliances include dryers, refrigerators, microwaves, washers, dishwashers, garbage disposals, and others. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranties also offer add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. It's important for Concord homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Before signing a home warranty contract, you should understand key terms like:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans provide coverage for electrical, heating, AC, plumbing, and appliances. More comprehensive options may also provide protection for additional items such as roof leaks, spas, well pumps, and pools. 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.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per claim you submit. These per-claim charges can add up. You may decide to look for providers with lower service 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 can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Reach out to potential companies to ask how many repair technicians they have in Concord and get an idea of how fast your repairs could be handled in an emergency. More extensive networks improve the chance of getting qualified contractors to promptly service your home.
Home warranty companies sometimes include bonuses such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These extras can add value beyond basic repair coverage. Added perks help maximize the usefulness of your home warranty.
Concord’s relatively mild winters and hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of vetting service technicians yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Plus, though it varies by company, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your house more attractive to potential homebuyers and maybe even help your home sell faster.
There are also some negatives to getting a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won’t cover systems or appliances that have stopped working due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Concord. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover problems with home systems and appliances that need to be repaired or replaced 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 breakage.
Homebuyers, landlords, homeowners, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty policy will cover your systems, appliances, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans generally last a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, however, the one selling the home may purchase 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 $403,805, a home warranty can be an added asset when buying a home.
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