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7 Best Home Warranty Companies in Sacramento for 2023
By Christopher Ricci MONEY RESEARCH COLLECTIVE
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- Online Business Bureau Accredited with A+ Rating
- Covers Major Home Systems, HVAC & Appliances
- Free Roof Coverage, No Inspection Needed
24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
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- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
Owning a home in Sacramento and enjoying the sun all year round is fun, until your AC system, refrigerator, washing machine or any other appliance breaks down. Repairing these home systems and appliances can be quite expensive, but not when you have the best home warranty in Sacramento to cover the costs.
Finding the right provider can be confusing due to the variety of home warranty companies available in Sacramento. To help you out, we have compiled a list of some of the top home warranty companies in Sacramento.
Our Top Picks for the Best Home Warranty Companies in Sacramento
- American Home Shield: Best Overall
- Select Home Warranty: Best Value
- 2-10 Home Warranty: Best Appliance Plan
- Home Warranty of America: Best for Availability
- Cinch Home Services: Best for Long Workmanship Guarantee
- Choice Home Warranty: Best for Generous Coverage Caps
- Liberty Home Guard: Best for Trustworthiness
The 7 Best Home Warranty Companies in Sacramento Reviews
Best Overall: American Home Shield
Why we chose it: American Home Shield (AHS) has been an industry leader for over 50 years. Its plans are more comprehensive and cover more damages than those of other companies. These include undetectable pre-existing conditions and breakdowns resulting from poor maintenance.
- More industry experience
- Customizable plans
- Coverage limits are generous
- Covers items with pre-existing conditions
- Only covers appliances under the ShieldGold and ShieldPlatinum plans
- Doesn't provide coverage in Alaska
- Customers can't choose a technician
Pricing
Your home warranty cost with American Home Shield will depend on your desired plan and the service call fees you’re willing to pay. You can choose from the following monthly price plans: ShieldSilver, ShieldGold and ShieldPlatinum. The price ranges between $39.99 and $74.99.
American Home Shield has three service call fees amounting to $75, $100 and $125. While a lower service fee sounds budget-friendly, it might cost you more in monthly premiums.
Amount of coverage
American Home Shield offers coverage for major appliances and home systems. The coverage differs among the different pricing plans as follows:
ShieldSilver covers 14 major electrical, plumbing, heating and cooling systems. This coverage plan has no system limits.
ShieldGold covers all the systems in ShieldSilver, plus nine more appliances you use daily. These include laundry and kitchen appliances. While there’s no systems limit, this plan caps the total coverage at $3,000 per appliance.
ShieldPlatinum covers everything in ShieldGold, plus roof leaks. The plan also gives you a free annual HVAC tune-up every year. There’s no system limit, and the plan covers up to $6,000 per appliance. The roof leak repair limit is $1,500.
Customer satisfaction
American Home Shield has a B rating with the Better Business Bureau (BBB). Customers praise the provider for timely assessments and satisfactory repairs of appliances.
Additional benefits
AHS members can get discounts on services like AC tune-ups. All members also get protection for older items, undetectable conditions, improper installations and malfunctions caused by corrosion and sediment.
Best Value: Select Home Warranty
Why we chose it: Select Home Warranty stands out for its affordability and coverage. The company is highly recommended if you want a home warranty with roof coverage. If you choose Select for your home warranty solutions, you will get standard roof coverage on any warranty plan.
- Roof coverage worth $99 is available with all plans
- Extended repair guarantee
- Two-months free coverage
- Well-differentiate plans, including systems-only, appliances-only and combo plans
- Low coverage caps
- Charges a cancellation fee of $75
- Not available nationwide
- A short period (3 days) for making a claim after discovering a malfunction
Pricing
Select Home Warranty offers three pricing plan options including Gold Care, Platinum Care and Bronze Care. There’s no specific pricing for each plan, as the price will depend on the items you want to cover. However, every pricing plan comes with free roof coverage.
You can request a home warranty quote to see how much your desired plan will cost. The provider charges a service fee of between $75 and $100 every time they schedule and dispatch a technician to fix your systems or appliances.
Amount of coverage
The Bronze Care plan covers all appliances, such as a clothes washer, garbage disposal, refrigerator, cooktop and microwave oven. The Gold Care plan covers home systems such as electrical, plumbing, ductwork and AC systems. The Platinum Care plan covers appliances, home systems and the ceiling fan and garage door opener. The coverage cap for cooling and heating equipment is $3,000 and $500 for electrical and plumbing appliances.
Customer satisfaction
Select Home Warranty has a BBB rating of B- and a customer review rating of 1.54 out of 5. There are numerous complaints of underpaid claims, unreliable customer service and poor service by the technicians.
Additional benefits
New customers can get $150 off any plan and two extra months of coverage for free.
Best Appliance Plan: 2-10 Home Warranty
Why we chose it: Having been in business for over 40 years, 2-10 Home Warranty has grown to cover over 6 million homes and has paid 97% of claims. It covers every state except Hawaii and Alaska.
- Four decades of experience
- Coverage for realtors, home builders, sellers and buyers
- Customers can customize their plans
- Provides structural warranty
- Not available in all states
- Higher service call fees than competitors
- Expensive coverage costs
Pricing
With 2-10, homeowners can choose from the three available warranty plans. The first one is Simply Kitchen, which is only $17 per month. The price of the two other plans, The Complete Home plan, and the Pinnacle Home Plan, will depend on the home you live in and the items you want to cover. The service call for this company ranges between $85 and $125.
Amount of coverage
2-10 provides different coverages under its three plans. The Simply Kitchen plan is the most basic, covering only kitchen appliances. The Complete Home plan covers appliances, heating and cooling, electrical and plumbing systems.
The Pinnacle Home plan covers all the systems in the Complete Home plan, plus the washer and dryer. This plan also has a sub-plan known as the Supreme coverage plan. It covers over 40 items not covered by most home warranty companies. These include shelves, knobs, filters, burglar alarm systems and dials.
Customer satisfaction
2-10 has a B rating on BBB and a 1.04-star customer reviews rating. Its rating on Trustpilot is 3.1.
Additional benefits
You can pay additional fees for optional add-on coverage for systems such as a second refrigerator, well pumps, septic systems, spa equipment and roof leaks. 2-10 also offers additional products, including the Luxury Package, which increases the standard plan’s coverage of appliances and home systems to $5,000 each.
Best for Availability: Home Warranty of America
Why we chose it: Home Warranty of America (HWA) is the best option if you’re looking for the most available home warranty companies in Sacramento. The company has a wide network of technicians to care for your home systems and appliances.
- Available in all 50 states
- Offers a GreenPlus plan for energy-efficient appliances
- High coverage limits
- Repair delays are common
- A high rate of claim denials
- The basic plan doesn't cover air conditioning
Pricing
HWA has two pricing plans: the Premier Plan and the Premier Plus Plan. The Premier plan is basic and starts at $46.08 per month. The pricing for the Premier Plus plan starts at $59.92 per month.
Both plans have a 30-day money-back guarantee. The service fee starts at $75 and can be as high as $100.
Amount of coverage
For the Premier plan, you’ll get basic coverage for your appliances and home systems, except for the air conditioning system and cooler. The Premier Plus plan will offer premium coverage for your AC system and 30 additional items that are not covered in the basic plan.
You can also get additional coverage for your systems and appliances if you pay an additional fee. This includes coverage for a pool and spa, a stand-alone freezer, second refrigerators, a septic system and more. The Green Plus coverage will ensure that HWA replaces your covered appliances with an ENERGY STAR-qualified product.
Customer satisfaction
The company is not rated by the BBB, but has a customer review rating of 1.08 on its website, based on over 500 customer complaints.
Additional benefits
You can cancel the contract within 30 days and get a full refund. The nationwide availability also means you can find a technician in any city or town.
Best for Long Workmanship Guarantee: Cinch Home Services
Why we chose it: Cinch Home Services is the best home warranty company if you’re looking for a long workmanship guarantee. The company offers a 180-days workmanship guarantee on all services covered under its home warranty plans.
- 180 days workmanship guarantee
- Shorter response time than competitors
- Covers unknown pre-existing conditions
- Credit worth $25 to use for your refrigerator and A/C units
- Covers appliances parts and components like knobs and drawers
- Does not cover roof leaks
- Does not offer coverage in Hawaii and Alaska
Pricing
Cinch has three home warranty plans. The Appliances-Only plan starts at $27.99 per month and covers only appliances. The Built-in Systems plan starts at $32.99 per month and covers built-in systems, while the Complete Home plan combines the appliances and the in-built system’s plans.
The Complete plan offers the best value, and pricing starts at $39.99 per month. The service call fees range between $100 and $150. Like in warranty plans for most providers, the higher the service fees you pay, the lower the monthly premium.
Amount of coverage
The Appliances-Only plan covers major appliances like refrigerators, cooktops, wall ovens, trash compactors, ranges, dishwashers and clothes washers. The Built-In Systems plan covers heating, AC units, cooling, heat pumps, plumbing and other electrical systems. The Complete Home Warranty plan covers all appliances and built-in systems.
Customer satisfaction
Cinch Home Services is BBB-accredited with a B rating. The rating is based on factors like the quick response to claims and making it easy for customers to file claims.
Additional benefits
The company offers customers a $25 credit for AC filters or refrigerators. You can also get discounts on new appliances. Additionally, Cinch won’t deny you repair requests due to damages caused by corrosion and rust.
Best for Generous Coverage Caps: Choice Home Warranty
Why we chose it: Having been in business for 14 years, Choice Home Warranty is one of the most experienced home warranty companies in Sacramento. The company offers generous coverage caps and custom coverage plans to fit your budget and needs. Its network of over 25,000 contractors makes it easy for you to find a service provider in your area.
- Experienced, having handled over 5,000,000 service requests and covered 1,650,000 homes
- Add-on coverage for rarely covered items
- Fast response time
- Free services for the first month
- Generous liability cap of $3,000 per item
- Poor customer satisfaction rating
- Limited warranty plans (two) to choose from
Pricing
Choice Home Warranty offers only two warranty pricing plans: Basic and Total. The price isn’t standard and will depend on the appliances or systems you want to cover. You’ll pay a service fee of between $60 and $85.
Amount of coverage
The Basic plan covers water heaters, plumbing, some kitchen appliances, electrical, heating and ductwork. The Total plan covers all these but adds a refrigerator, A/C, clothes washer and dryer. You can pay for the optional add-ons, which include a sump pump, septic system, limited roof leak, stand-alone freezer, pool/spa and more.
Customer satisfaction
The BBB rating of Choice Home Warranty is C, with a customer reviews rating of 1.06/5 and 3.8 on Trustpilot.
Additional benefits
Choice Home Warranty offers free services on their plans for the first month. It also offers a liability cap of $3,000 per item and up to $5,000 per 12-month period. You can add coverage for rarely-covered items like sump pumps and septic tanks.
Best for Trustworthiness: Liberty Home Guard
Why we chose it: Liberty Home guard is relatively new in the industry, having been in business for only four years. Within this short time, its customer ratings have been impressive, which has led to the company branding itself as the most consumer-centric home warranty provider.
- Offers warranty plans without home inspection or consideration of the home's age
- High consumer rating
- 60-day repair guarantee
- A comprehensive list of add-ons
- You can't hire your own contractor
- Plans are not customizable
- Plans are more expensive compared to competitors'
Pricing
Liberty Home Guard offers three home warranty plans which range between $1 per day to $1.50 per day. These pricing plans include Appliance Guard, Systems Guard and Total Home Guard.
Amount coverage
The Appliance Guard plan covers kitchen and general home appliances such as refrigerators and dishwashers. The Systems Guard plan covers major home systems, including air conditioning, ductwork, heating and plumbing. The Total Home Guard Plan combines the coverage of appliances and home systems.
Customer satisfaction
The customer review rating for Liberty Home Guard on BBB is A- with a 4.61/5 rating.
Additional benefits
Liberty Home Guard offers unique add-ons, including coverage for TV mounting, pest control, wine cooler, grinder pump and freestanding ice maker.
Other home warranty companies in Sacramento considered
Besides the above home warranty companies, we also considered other providers that offer competitive home warranty plans in Sacramento. We didn’t include them in our list as they didn’t meet some of the criteria we considered. However, you can review them to see if they would meet your home warranty needs.
AFC Home Club
- Freedom to choose your own technician
- 30-day or 60-day guarantee on repairs
- Four service plans
- Club benefits like credit monitoring
- Not available in all states
- Does not cover roof leaks or plumbing stoppages
- The low pricing tiers only cover a few appliances or systems
This company offers home warranty coverage to homeowners across the U.S. except in Hawaii. While the company allows you to choose your contractor, they must be bonded, licensed and insured. We didn’t include AFC Home Club on our list because of the limited home warranty coverage, which only covers 18 items.
First American Home Warranty
- Established and BBB accredited since 2000
- No coverage cap on heating, cooling and ductwork
- Offers replacement to items damaged beyond repair
- Customers can't choose a contractor
First American Home Warranty has been in business for 35 years. Its two warranty plans cover essential appliances and major home systems for as low as $30 per month. The company didn’t make our list because it doesn’t allow customers to compare its warranty plans before purchase.
Home Service Club
- Protects items regardless of age or model
- Doesn't ask for maintenance or home inspection records
- Labor guarantee of 30 days and 90 days on parts
- Home warranty coverage begins only ten days after signing up with the company
- Few contractors available
- Limited time to file a claim
- Limited warranty options
Positioning itself as America’s favorite home warranty company, the Home Service Club offers home warranty coverage across the U.S. The company also has plans for real estate transactions targeting homebuyers and home sellers. Despite the good home warranty coverage, we didn’t add Home Service Club to our list because customers have limited time to file a claim and its contractors are few.
Home Warranty Companies in Sacramento Guide
This guide on the best home warranties in Sacramento addresses some of the most common questions related to home warranty solutions. After all, there’s a lot you should know if you want to find the home warranty that works best for your needs. So read on to learn about how to choose home warranty coverage in Sacramento and the relevant home warranty regulations.
How to choose the best home warranty plan in Sacramento
Finding the most suitable home warranty plan in Sacramento requires careful consideration of various factors. That means you need to know how to buy a home warranty in Sacramento to find the perfect fit for your situation. Here are a few tips to keep in mind when shopping for your coverage plan:
Consider the Sacramento climate when deciding your coverage needs
Sacramento is home to a Mediterranean climate, with hot, dry summers and mild winters. Blessedly, Sacramento has an average of 265 days of sunshine per year. This climate means your home will rely more on heating and cooling systems, such as AC and ductwork, to keep it comfortable. Home appliances like refrigerators will also work harder to keep their contents cool.
So, when selecting your home warranty coverage, check for plans that include these systems and appliances in their coverage. You don’t want to end up with a home warranty plan that covers systems you rarely use.
Take time to read the fine print
Before making any home warranty purchase, it pays to go through the warranty contract carefully. Home warranties are legal contracts, and you should understand all their terms and conditions before signing up for coverage. Pay particular attention to exclusions, limits and pre-existing condition clauses.
Other things you should pay attention to in the contract include:
- Claims procedure
- Service call fees
- Emergency and non-emergency claims
- Covered home systems and appliances
- Additional coverage options
These are some of the areas home warranty companies use to deny your home warranty claims. So, read through the home warranty contract and ensure you understand what is covered.
Check how much industry experience the provider has
Different home warranty providers in Sacramento have been in business for varying lengths of time. While home warranty companies with fewer years of experience may offer competitive home warranty premiums, they might also lack the track record and financial backing to honor their contracts.
So when selecting home warranties in Sacramento, it’s best to choose a home warranty company with more years of industry experience. The top home warranty companies, like American Home Shield, have been offering coverage for over 50 years.
The best thing about these experienced companies is that they understand home warranty coverage inside and out. They know how to bundle their plans so that every one of them offers you value. These providers have also established a reputation for honoring home warranty claims and having a good customer service track record. They wouldn’t risk a negative reputation by not honoring home warranty claims.
Consider all of the fees involved
Don’t forget to consider all the additional costs associated with home warranties in Sacramento. These could include home service call fees, home warranty premiums and any other related costs that come with home warranties. Some companies might also charge a cancellation fee if you cancel your home warranty contract before the end of its term.
Some home warranty companies come with additional or hidden fees, such as home inspection, home maintenance and home energy audit fees. To avoid being surprised by these extra charges, ask your provider if any other hidden costs are associated with taking up their home warranty plan.
Knowing all the costs involved in home warranty coverage will help you make an informed decision, so you don’t spend more on home warranties than you had initially budgeted for. Take time to compare home warranty premiums and fees between different home warranty companies in Sacramento. You can request a home warranty quote from home warranty companies in Sacramento.
Home warranty regulations in Sacramento
The Department of Consumer Affairs regulates home warranties in California. This regulatory body is responsible for issuing state licenses to home warranty companies. It also enforces regulatory action and handles consumer complaints.
If you have a complaint against a home warranty provider, you can also report it to the office of the Attorney General in California. Your other option is the California Home Service Contract Association (CHSCA). This association is a National Home Service Contract Association member, representing home service contract providers across the nation. Since the association cares about consumer interests, they take complaints about providers in their network seriously.
Best Home Warranty Companies in Sacramento FAQs
What is the average cost of a home warranty in Sacramento?
Is a home warranty in Sacramento worth it?
The cost of covering repairs and maintenance is undoubtedly high, but are home warranties worth it? Home warranties provide peace of mind, knowing that you are covered if something goes wrong with your home. Home warranties in Sacramento also reduce the cost of repairs and home maintenance, protecting you from unexpected expenses.
The warranties give you financial protection if you need major repairs to major systems such as heating, air conditioning, plumbing and electrical systems. When you pay less for repairs and replacements, you can save enough money quickly to upgrade your home. After all, home warranty premiums are usually more affordable than replacement and repair costs.
Why buy a home warranty policy?
You're probably facing a home warranty vs home insurance dilemma, wondering why a home warranty is necessary if your home is insured. Even when you have the best home insurance policy, home systems and appliances may not be covered. After all, homeowners insurance usually covers your home against major perils like fire, hail and other events that could damage the entire structure.
But home warranty policies are different as they cover components your homeowner insurance doesn't cover, including regular wear and tear to your home appliances and systems. So, you may need to buy a home warranty policy to complement your homeowners insurance.
What are the reasons for a home warranty claim to be denied?
There are several reasons why home warranty companies may deny a home warranty claim. One of the most common reasons is that the home warranty doesn't cover your systems or appliances. To be on the safe side, always ask yourself, what does a warranty cover? A home warranty might not cover all the appliances and systems in your home, and most companies will include these exclusions in their contract.
Other reasons for denial include improper installation, inadequate maintenance, secondary damages and damages caused by animals. It could also be because you exceeded your coverage limit.
How We Chose the Best Home Warranty Companies in Sacramento
When compiling our list of the top home warranty companies in Sacramento, we looked at a few key factors. These included the following:
Cost-effectiveness
We evaluated home warranty companies based on the cost-effectiveness of their home warranties and plans. We only considered providers that offer home warranty coverage at reasonably priced premiums.
Coverage
We looked at the home warranty coverage offered by each provider to ensure they protect all home systems, appliances and optional items.
Customer satisfaction
We focused on reviews of home warranty companies to determine how satisfied home warranty customers are. We considered customer reviews on third-party platforms like Trustpilot and BBB.
Extra benefits
We considered home warranty companies that go beyond providing home warranty coverage and offer additional benefits to home warranty customers. These benefits include discounts for multiple home systems or appliances, coverage for electronics, and conditions that would normally lead to claim denials, such as improper installation or old home systems.
Summary of Best Home Warranty Companies in Sacramento 2023
- American Home Shield: Best Overall
- Select Home Warranty: Best Value
- 2-10 Home Warranty: Best Appliance Plan
- Home Warranty of America: Best for Availability
- Cinch Home Services: Best for Long Workmanship Guarantee
- Choice Home Warranty: Best for Generous Coverage Caps
- Liberty Home Guard: Best for Trustworthiness