Best 6 Home Warranty Companies in Lincoln, CA

Are Home Warranties Worth It for Lincoln Residents?

Yes, home warranties are worth it for Lincoln residents. Lincoln can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner may malfunction over time from heavy use.

Winters in Lincoln are very cold, which means having reliable heating is important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.

Lincoln's regular rain showers can also affect your home's roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Finally, home warranties connect you with trusted service providers.

Reputable home warranty companies vet all their service providers. If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.

What To Consider Before Choosing a Home Warranty Company

Consider these key factors when selecting your home warranty plan.

Cost

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost an average of $53–$62 a month. You'll also pay a service call fee whenever you file a claim. Service call fees typically range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before selecting a plan.

Coverage

Most home warranty companies can tailor a plan to your needs. Make a list of the appliances and systems that you use often and need covered. If you only want coverage for select systems or appliances (such as your heating), you can often find plans to fit. The following is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Most home warranties only cover normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude appliance components or cosmetic issues, theft, defects, or routine maintenance. You can find your provider's limitations and exclusions within your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.

Provider Reputation

Also, consider provider reputation when making a decision. You can read customer reviews on sites like Trustpilot, Google Reviews, and Best Company or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to assess how providers handle customer service and claims. Check with the California Department of Consumer Affairs to verify that a provider holds a valid state license.

Contractor Network

Consider a home warranty company's service provider network. Be sure to ask your provider where and how it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. Select a provider that mentions service contractors you're familiar with. Those residing in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so you'll need the option to source your own.