Home Warranty

5 best home warranty companies in Florin, California

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 5 home warranty companies that operate within 50 miles of Florin. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

Companies Selected

Filters

Location

Florin, CA

Choose a new location

Companies Selected

Home warranties give you a financial buffer to repair or replace appliances that suddenly fail. For a monthly fee, these policies cover items such as refrigerators and AC units when they stop working from regular wear and tear.

Many essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Florin house contains any aging furnaces, dishwashers or other appliances, you'll likely face an untimely breakdown. These top home warranty providers offer robust coverage at reasonable prices.

With the scorching California summers, air conditioner breakdowns in Florin are that much more taxing for homeowners. A home warranty from one of the national companies below will give you an inexpensive path to the future repairs you might need.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Florin

Here's our list of the best home warranty companies in Florin:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

Founded in 1971, American Home Shield was one of the country's first home warranty companies. Today, it offers three coverage plans and six supplementary add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American is known for its comprehensive appliance coverage caps. With an Essential or Premium plan that has the First American Advantage upgrade, you could also get coverage for miscellaneous components, including appliance knobs and dials.

What we like

Allows you to choose your service call fee
Doesn’t have a coverage cap on heating, cooling, or ductwork
Accepts 24/7 service calls
Offers replacement of some covered items that are too damaged to repair

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Select Home Warranty plans have low premiums, and each one includes coverage for roof leaks.

What we like

Provides low service fees compared to other home warranty providers
Includes two extra months of coverage in annual signup
Has an appliance-only, systems-only, and combo plan option

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Florin

The cost of a home warranty is in line with the national average, and it heavily relies on how often you choose to make payments. The national average is roughly $40.91 to $77.05 per month, or $563.62 to $927.43 per year. We calculated the average by requesting hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties cover a variety of major systems and home appliances. We'll give you a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

Built-in microwaves
Dishwashers
Clothes dryers
Washing machines
Cooktops
Refrigerators

Kitchen and living appliances make up the first group of items that a home warranty protects. This includes the following items: The second category of covered items under a home warranty is major systems. Not every plan covers the same major systems. However, you can find coverage for any of these items:

Central vacuum
HVAC
Plumbing
Electrical
Water heater

What items are typically not covered under a home warranty?

Home warranties, similar to other service contracts, include certain limitations. One thing that home warranties exclude is damage outside normal wear and tear. For example, the warranty company could deny a claim for an AC breakdown if a dirty air filter is the cause. This is because replacing the air filter is considered routine upkeep. Additionally, home warranties won't cover cosmetic damage, hazardous waste, improper system or appliance installation, preexisting conditions, acts of nature and rust or corrosion damage.

Questions to ask home warranty providers in Florin

Before purchasing a home warranty coverage plan, we recommend asking providers the following questions.

What items does my policy cover?

Before asking a home warranty company for a quote, write down the specific systems and appliances that you need covered. Then, verify the company has plans meeting your needs. Some providers separate appliance and system coverage into different plans. Most home warranty companies also sell optional add-ons for things like swimming pools and additional refrigeration. Evaluate what add-ons you might need and how much they'll add to the home warranty cost.

How long is my home warranty good for?

Generally, home warranty contracts are active for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies have this 30-day waiting period to prevent customers from filing claims for preexisting conditions. Purchasing a multiyear plan extends protection beyond the standard 12-month term.

What contractors do you work with?

Be sure to ask about the warranty company's network of licensed service contractors. Companies will usually have strict licensing requirements and other standards for a contractor to get repair approval. If there are no partner contractors near where you live, the company might let you choose your own. You can verify a contractor's license by searching the California Contractors State Licensing Board database.

How does your claims approval process work?

Knowledge of your warranty company's claim process makes all the difference between an approval and a denial. If you're facing a covered issue, you can usually file a claim over the phone or online. While most claims should have a one to two-day turnaround, there might be delays if you file outside standard business hours. Once you submit your claim, the warranty company will review it and connect you to an in-network service contractor. The contractor will set up an appointment to diagnose the problem, and then seek final authorization from the warranty company for any required repair work.

Can I transfer my policy to the next owner of my home?

If you need to move, most home warranty contracts contain a clause permitting you to transfer the policy to the new homeowner. Some companies handle the transfer at no charge, though others levy a transfer fee. Home warranty companies might also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers might opt for these plans to raise their home's appeal in a competitive market.

Home warranty contract fine print

Before you choose a home warranty, carefully read its terms and conditions to ensure they're aligned with your needs. As you read through the sample contract, look for these key details and clauses:

Workmanship guarantee: Home warranties typically offer workmanship guarantees that are at least 30 days long. If an in-network technician recently serviced your appliance or system, and you still have issues with it, the company will not charge an additional service call fee for new repairs.
Cancellation: Companies generally specify how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
Service call fee: Similar to copays at the doctor or pharmacy, you'll have to pay a service call fee each time you file a home warranty claim. Many providers have fees between $75 and $125 per claim.
Exclusions: Be sure to read more about component-specific exclusions in the home warranty company's sample contracts. Some parts of equipment may not be included even if the appliance itself is generally covered under the policy.
Coverage limit: Your home warranty's coverage limit is the limit on how much the company can pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.

Facts about Florin

Average High in July

97°F

Florin

83°F

National Average

Average Low in January

39°F

Florin

17°F

National Average

Average Daily Sunlight

78%

Florin

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

5 best home warranty companies in Florin, California

Filters