Written By Todays Homeowner Local Pros
Last Updated May 2023
Get the most out of your home warranty with the best home warranty providers in Fair Oaks. Owning a home in Fair Oaks has tons of great benefits, but there are, of course, some negatives too. The humid weather can cause problems in a home and destroy some systems and appliances.
When one of your systems or appliances breaks down, a home warranty will help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less stressed by homeownership. Finding the best home warranty on the market can be quite time-consuming because there are dozens of companies to decide between. That's why the Today's Homeowner team did the research and put together a list of the top home warranty companies in Fair Oaks for you.
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 Fair Oaks. Choice has been in the home warranty industry for around 15 years. Choice offers 2 plans for you 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.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered appliance or system.
To read more, visit our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 Fair Oaks residents. Select has 3 plans for homeowners to choose from. When you purchase a home warranty 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.
Select Home Warranty offers 3 plans for Fair Oaks homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information, read our Select Home Warranty Review.
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 Fair Oaks residents. AHS has been in the home warranty business for about 26 years. The home warranty company offers 3 plans to policyholders, which have various 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, you'll want to have this plan on your side. Plus, it 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. 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 Fair Oaks area.
To read more, visit our American Home Shield full review. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 for Fair Oaks residents. 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. HSC has 2 plans for homeowners to choose from.
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 limits come out to about $2,000 per covered appliance or system.
For more information, 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
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
In Fair Oaks, Liberty Home Guard offers the most trustworthy home warranty. Liberty is a home warranty provider with 6 years of experience in the industry, and it has become one of the best providers in the business. Liberty has 3 plans for homeowners to choose from. 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.
Liberty Home Guard offers 3 plans for Fair Oaks homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Liberty's plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
For a more detailed breakdown, read our comprehensive review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Total Home Guard
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 Fair Oaks residents. First American has been operating for about 39 years, making it a highly regarded company in the industry. The 2 plans from First American are easily comprehensible and offer both system and appliance coverage. 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered appliance or system.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read our review of First American Home Warranty to learn more.
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
In Fair Oaks, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch is a home warranty company with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. When you purchase a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans that Cinch offers include options for appliance and system coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Fair Oaks area.
Read our Cinch Home Services Review to learn more. To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
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|
A home warranty is a service contract that brings down the cost of repairs when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to keep a budget in place and don't want to dip into their savings to pay for large repair or replacement expenses. Typically, about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
When you notice an issue with one of your appliances or systems, you can submit a claim with your home warranty provider. Then, a customer service representative will contact you about a repair technician coming over to look at the issue.
At this point, you'll also need to pay your service fee. Once the repair technician takes a look at the issue, they will deal with it at no cost to you. The only time a Fair Oaks homeowner may have out-of-pocket costs is if the repair or replacement is over the item's coverage cap.
A home warranty plan will cover home systems and appliances from normal wear. The appliances typically covered under a home warranty plan are the dryer, dishwasher, refrigerator, washing machine, oven, microwave, and more. System coverage typically includes air conditioning, plumbing, heating, electrical systems, and more.
You can also choose to pay a bit extra for add-on coverage for items such as roof warranty, septic systems, swimming pools, and spas.
An important thing to note is that home warranties only protect against normal wear and tear that occurs on your home systems and appliances. Things such as pre-existing conditions, cosmetic damages, lack of maintenance, and misuse are not included in the home warranty policy.
Home warranties are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Fair Oaks reaching an average high of 64℃F, you may find that some appliances, like your air conditioner, get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system break down.
In addition, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your house more attractive to potential homebuyers and maybe even make your home sell faster.
One disadvantage of signing up for a home warranty is that there are generally exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it's important to read over the contracts you're considering carefully to get a sense of what is included and what isn't.
Another consideration is that home warranties typically only cover repairs needed due to normal wear and tear. They often won't cover home systems or appliances that have stopped working due to animal infestations, natural disasters, improper maintenance, etc.
After reviewing home warranties in Fair Oaks, the next step is to figure out which company you'd like to get a free quote from. Before deciding which home warranty to purchase, here are a few other factors to consider:
Our pick for the best overall home warranty company in Fair Oaks is Choice Home Warranty, but the right company for you will depend on factors like what appliances and systems you need to have covered.
Home warranty policies cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different plan that protects an entire home from natural disasters, which might not be too much of a concern in Fair Oaks. It doesn't cover a typical appliance or system repairs.
Homebuyers, home sellers, real estate agents, landlords, and homeowners can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan annually, which can be useful in Fair Oaks for added protection against something like your heater or A.C. needing repairs when you require it the most.
Owning a home can be expensive, especially in a place in Fair Oaks where the cost of living is quite high. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty plan, you won't have any big hits to your bank account for home maintenance.
In general, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Fair Oaks, where the median value of a home is $588,008, having the seller pay for the home warranty can be a good asset for your new home.
Home warranties typically will not cover issues due to natural disasters, pre-existing conditions, lack of proper maintenance, or intentional breaking of an appliance. They only cover damage from 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 Fair Oaks.