clock menu more-arrow no yes

Best Home Warranty in Sacramento, CA

Homeowners insurance covers damage from catastrophic events, but it won’t do much when your refrigerator wears out after years of use. To protect your systems and appliances, consider investing in a home warranty. Here are our recommendations for the best home warranty companies in Sacramento.

A California home with stone detailing, double garage, and circular window above garage. Adobe

Homeowners in California’s Central Valley have to deal with increasingly hot summers, which can put stress on important home appliances and systems, such as your refrigerator and air conditioning. When these systems and appliances break down due to years of normal use, a home warranty can help protect your budget from large repair bills. Here are our recommendations for the best home warranties available in Sacramento.

Top 4 Home Warranty Companies in Sacramento

The highest-rated home warranty companies in Sacramento, CA, include:

  1. American Home Shield: Best Overall
  2. Cinch Home Services: Best Additional Perks
  3. 2-10 Home Buyers Warranty: Cheapest Appliances Plan
  4. Select Home Warranty: Best Value

1. American Home Shield

For the best overall home warranty in Sacramento, we recommend American Home Shield (AHS). This company has been a leader in the industry for nearly 50 years, and its plans cover types of damage that other companies don’t, such as pre-existing conditions and problems resulting from insufficient maintenance.

AHS offers three coverage plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver plan covers home systems, such as your air conditioning and heating, the ShieldGold plan covers a range of systems and appliances, and the ShieldPlatinum plan is the most comprehensive plan, covering 23 items in addition to roof leaks and plumbing stoppages. Compare each American Home Shield coverage plan below.

American Home Shield Plans

Coverage ShieldSilver ShieldGold ShieldPlatinum
Coverage ShieldSilver ShieldGold ShieldPlatinum
Air conditioner
Heating unit
Ductwork
Built-in exhaust, vent, and attic fans
Main breaker and fuse panel box
Doorbells and chimes
Interior electrical lines
Ceiling fans
Garage door openers
Interior plumbing lines
Toilets
Faucets and valves
Whirlpool tub motor and components
Water heater
Refrigerator
Range/Cooktop
Oven
Dishwasher
Built-in microwave oven
Garbage disposal
Instant hot/cold water dispenser
Washer
Dryer
Roof leak repairs

You can also purchase add-on coverage for the following items:

  • Pool or spa
  • Well pump
  • Septic pump
  • Electronics protection plan
  • Guest unit up to 750 square feet

American Home Shield Prices

American Home Shield plan pricing will depend on the plan you select and the service call fee you choose. The company offers three service call fees: $75, $100, and $125. A lower service call fee will likely result in a higher monthly premium, but you can also choose to pay fees of either $100 or $125 in exchange for a lower monthly premium.

Plan Pricing Breakdown

Plan Monthly Premium
Plan Monthly Premium
ShieldSilver $49.99
ShieldGold $59.99
ShieldPlatinum $74.99

To get a free quote from American Home Shield, call 844-529-9298 or fill out this simple online form.

2. Cinch Home Services

Cinch Home Services, formerly known as Cross Country Home Services, has over 40 years of experience in the home warranty industry. It offers three comprehensive home protection plans and a number of additional perks, including coverage for water sensors and water filter credits.

Cinch offers one plan for home appliances, one for systems, and one for both. Compare Cinch’s plans in the chart below.

Cinch Home Services Plans

Coverage Appliances Built-In Systems Complete Home
Coverage Appliances Built-In Systems Complete Home
Clothes dryer
Clothes washer
Cooktop
Dishwasher
Food center (built-in)
Freestanding ice maker
Microwave (built-in)
Range
Range exhaust hood
Refrigerator
Trash compactor (built-in)
Wall oven
Air conditioning including ductwork
Attic fans
Ceiling fans
Central vacuum
Doorbell
Electrical system
Garage door openers
Garbage disposal
Heating system including ductwork
Instant hot/cold water dispenser
Plumbing system
Smoke detectors
Sump pump
Toilets
Water heater
Whirlpool/Jetted tub (built-in)
Air conditioner or water filter credit
Water sensor
Homeowners insurance deductible reimbursement

Cinch Home Services provides the following add-on items:

  • Pool (heater included)
  • Spa (heater included)
  • Pool with spa (heater included)
  • Septic tank/pumping
  • Well pump
  • Premier Upgrade Package

Cinch Home Services Prices

Similar to AHS, Cinch Home Services provides three service fees: $100, $125, and $150. If you choose a higher service fee, you’ll pay a lower monthly premium and vice versa. Compare plan pricing in the chart below.

Plan Pricing Breakdown

Plan $100 Service Fee $125 Service Fee $150 Service Fee
Plan $100 Service Fee $125 Service Fee $150 Service Fee
Appliances $35.00 $40.00 $50.00
Built-in Systems $40.00 $46.00 $56.00
Complete Home $45.00 $52.00 $62.00

To get a free quote from Cinch Home Services, call 844-979-0899 or fill out this simple online form.

3. 2-10 Home Buyers Warranty

Another home warranty industry veteran, 2-10 Home Buyers Warranty provides home warranty plans to homeowners, home builders, and real estate agents. It offers 24/7 emergency services and provides an Even If Service Fee Guarantee, which will refund your service fee if a technician determines that the item in question isn’t covered.

2-10 Home Buyers Warranty offers three plans: Simply Kitchen, Complete Home, and Pinnacle Home. The Simply Kitchen plan covers kitchen appliances, the Complete Home plan covers appliances and systems, and the Pinnacle Home plan covers everything in the Simply Kitchen and Complete Home plans in addition to a few extra items.

2-10 Home Buyers Warranty Plans

Coverage Simply Kitchen Complete Home Pinnacle Home
Coverage Simply Kitchen Complete Home Pinnacle Home
Built-in microwave
Dishwasher
Range
Oven
Cooktop
Refrigerator with ice maker
Heating system
Thermostat
Interior gas supply lines
Air conditioner and heat pump
Plumbing system
Electrical system
Cosmetic appliance parts, such as knobs and hinges
Crane cost
Filters
Refrigerant recovery and recharge up to $150
Electrical cut-off switches
Faucets and faucet handles
Shower heads, arms, and tub spouts
Interior and exterior hose bibs
PEX manifold plumbing system
Concrete encased or concealed water, gas, drain, waste, and vent piping leaks or breaks in the plumbing system
Haul away/disposal fees
Burglar and fire alarms
Attic and bathroom exhaust fans
Concrete encased or concealed wiring

Note: The Supreme option, which is available as an add-on, includes coverage for items such as crane and haul-away costs, refrigerant recovery and recharge, disposal fees, and more.

You can also purchase add-on coverage for any of the following items:

  • Luxury package (higher coverage dollar limits)
  • Washer/dryer
  • Roof leaks
  • HVAC surplus
  • Garage door opener
  • Additional refrigerator
  • Additional wine cooler
  • Additional freestanding freezer
  • Additional wet bar refrigerator
  • Pool
  • Septic system
  • Well pump
  • Water softener
  • Extended pipe leak
  • Pre-season HVAC tune-up

2-10 Home Buyers Warranty Prices

On average, 2-10 Home Buyers Warranty plans cost between $22 and $61 per month, but the overall price may vary by your state, coverage, and service fee amount. 2-10 HBW offers service fees that cost between $65 and $100. You can request a higher deductible in exchange for a lower premium if you don’t anticipate needing to use your home warranty very often.

Plan Pricing Breakdown

Plan Monthly Premium
Plan Monthly Premium
Simply Kitchen $37.00
Complete Home $51.00
Pinnacle Home $60.00

Get a free quote from 2-10 Home Buyers Warranty by calling 855-498-4719 or filling out this simple online form.

4. Select Home Warranty

Select Home Warranty offers some of the most affordable plans in the home warranty industry. It provides two free months of coverage with all of its plans, has low deductibles compared to other providers, and offers service call fees that range between $60 and $75, which is on the low end of the $65–$125 service fee industry average.

Select offers three coverage plans: Bronze Care, Gold Care, and Platinum Care. The Bronze Care plan covers appliances, such as your refrigerator, clothes washer, and clothes dryer, the Gold Care plan covers systems, such as your air conditioning and heating, and the Platinum Care plan covers both systems and appliances plus garage door openers and plumbing stoppages.

Select Home Warranty Plans

Coverage Bronze Care Gold Care Platinum Care
Coverage Bronze Care Gold Care Platinum Care
AC/cooling
Ductwork
Electrical system
Heating system
Plumbing system
Water heater
Cooktop
Dishwasher
Garbage disposal
Built-in microwave
Refrigerator
Stove/Oven
Clothes washer
Clothes dryer
Garage door openers
Plumbing stoppages

Select also offers the following coverage add-ons for an additional fee each month:

  • Pool
  • Spa
  • Well pump
  • Sump pump
  • Central vacuum
  • Stand-alone freezer
  • Lawn sprinkler system
  • Septic system

Note: All plans come with free roof leak coverage.

Select Home Warranty Prices

In general, Select’s plans are more affordable than other home warranty providers in the industry, ranging from $41–$47 per month. All Select Home Warranty plans come with a $75 service call fee.

Plan Pricing Breakdown

Plan Monthly Premium
Plan Monthly Premium
Bronze Care $41.00
Gold Care $41.00
Platinum Care $47.00

Call 888-370-3956 or fill out this easy online form to get a free quote from Select Home Warranty.

What Does a Home Warranty in Sacramento Cover?

Home warranties cover repairs and replacements on home systems and appliances that break down due to normal wear and tear. Some companies will also cover pre-existing conditions or damage due to rust, corrosion, insufficient maintenance, and improper repairs, but this coverage is pretty rare in the home warranty industry.

Here’s a list of common systems and appliances that are covered by a home warranty:

  • Air conditioning
  • Built-in food center
  • Built-in microwave
  • Ceiling fans
  • Central vacuum
  • Clothes washer
  • Clothes dryer
  • Dishwasher
  • Doorbell
  • Ductwork
  • Electrical system
  • Freestanding ice maker
  • Garage door opener
  • Garbage disposal
  • Heating system
  • Instant water dispenser
  • Oven
  • Plumbing system
  • Range
  • Refrigerator
  • Smoke detectors
  • Stove
  • Trash compactor
  • Water heater

Benefits of a Home Warranty in Sacramento, CA

The primary benefit of a home warranty is that it protects major systems and appliances if they unexpectedly break down due to normal wear and tear. With a home warranty, you won’t have to pay for expensive repairs or a complete system or appliance replacement. For the price of a low service call fee and a monthly premium, your budget will be protected from these unexpected costs.

Additionally, most home warranty companies have a network of trusted technicians that can perform a repair or replacement. This prevents you from having to find a qualified technician on your own.

How Much Does a Home Warranty Cost in Sacramento?

In general, home warranties cost between $25 and $60 per month, or between $300 and $600 per year. The overall cost of your home warranty will depend on the plan you select, the service call fee you choose, and any optional add-ons you include with your coverage. Since the cost of living and taxes are higher in California than in many other states, a home warranty in Sacramento is usually in the middle or high end of the $300–$600 range.

Our Conclusion

If you’re looking for a Sacramento home warranty, our top choice is American Home Shield for its comprehensive coverage, flexible service call fees, and years of experience in the industry. However, Cinch Home Services, 2-10 Home Buyers Warranty, and Select Home Warranty are other top-rated home warranty companies that provide excellent coverage at affordable prices.

We ultimately recommend getting a free quote from all four companies to compare coverage and plan pricing in your area.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

How long do home warranty companies guarantee their repairs?

The industry average for repair guarantees is 30 days. Some companies, such as Cinch Home Services, offer 180-day guarantees.

Does Fidelity National Home Warranty offer coverage in Sacramento?

Yes, California residents can purchase a Fidelity National protection plan. However, since none of the company’s basic plans cover important appliances like refrigerators or air conditioners, we recommend the above providers instead.

Can condo owners purchase a home warranty?

Yes, most home warranty companies in California, including American Home Shield and Select Home Warranty, offer plans for condominium residents.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.