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5 best home warranty companies in North Highlands, California
Jesus Sanchez GarciaHome improvement writer
Jesus Sanchez Garcia is a senior writer for USA TODAY Homefront. His expertise focuses on home ...
Updated Jun 22, 2024
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We've ranked the top 5 home warranty companies that operate within 50 miles of North Highlands. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.
You might be considering a home warranty to protect essential home systems and appliances. For a monthly fee, these policies cover repair and replacement costs when items like refrigerators and AC units break down from normal 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 North Highlands home contains aging furnaces, dishwashers or other appliances, you'll probably encounter an unexpected failure. These highly rated home warranty firms offer robust coverage at fair prices.
With the scorching summer heat in California, air conditioner breakdowns in North Highlands are that much more taxing for homeowners. A home warranty from one of the national companies below will give you a cost-effective path to the future repairs you might need.
- Extends 60-day workmanship guarantee
- Holds high customer ratings
- Offers customization with 38 add-ons
- Covers rust and corrosion damage
- Offers comprehensive coverage limits
- Provides flexible service fees
- Charges low premiums
- Includes roof-leak coverage
- Offers solid HVAC coverage
Find the best home warranty for you in North Highlands
Here's our list of the best home warranty companies in North Highlands:
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
Plan Name
Simply HVAC
Service Fee
$65 - $100
Monthly Cost
$50 - $39
Items covered
Air conditioning, Heat pump, Heating system, Thermostat.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, 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, Preseason HVAC tune-up.
Plan Name
Simply Kitchen
Service Fee
$65 - $100
Monthly Cost
$31 - $22
Items covered
Built-in microwave, Cooktop, Dishwasher, Oven, Range, Refrigerator with ice maker/crusher.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, 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, Preseason HVAC tune-up.
Plan Name
Essential Home
Service Fee
$65 - $100
Monthly Cost
$61 - $51
Items covered
Air conditioning, Heat pump, Heating system, Thermostat, Built-in microwave, Cooktop, Dishwasher, Oven, Range, Refrigerator with ice maker/crusher.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, 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, Preseason HVAC tune-up.
Plan Name
Complete Home
Service Fee
$65 - $100
Monthly Cost
$60 - $51
Items covered
Air conditioning, Heat pump, Heating system, Thermostat, Drain line stoppages, Plumbing system, Plumbing valves, Sump pump, Toilets, Water heater, Doorbells, Electrical systems, Built-in microwave, Cooktop, Dishwasher, Oven, Range, Refrigerator with ice maker/crusher.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, 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, Preseason HVAC tune-up.
Plan Name
Pinnacle Home
Service Fee
$65 - $100
Monthly Cost
$80 - $71
Items covered
Air conditioning, Heat pump, Heating system, Thermostat, Drain line stoppages, Hose bibs, Plumbing system, Plumbing valves, Polybutylene and PEX plumbing systems, Sump pump, Toilets, Water heater, Attic and bathroom exhaust fans, Burglar and fire alarms, Doorbells, Electrical systems, Built-in microwave, Cooktop, Dishwasher, Oven, Range, Refrigerator with ice maker/crusher.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, 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, Preseason HVAC tune-up.
Average monthly costs: $49.99 - $59.99
Liberty Home Guard offers the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.
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
Plan Name
Appliance Guard
Service Fee
$65 - $125
Monthly Cost
$49
Items covered
Built-in microwave ovens, Ceiling and exhaust fans, Clothes dryer, Clothes washer, Dishwashers, Garbage disposals, Garage door openers, Ranges/ovens/cooktops, Refrigerator with ice maker and display.
Add-on items
Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof leak, Pest control, Plumbing fixtures, Pool and spa, Power washing (exterior floor0, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series standalone freezer, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, TV mounting (up to 65 in), TV mounting (up to 85 in), Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge.
Plan Name
Systems Guard
Service Fee
$65 - $125
Monthly Cost
$54
Items covered
Air conditioning, Ductwork, Heating, Electrical, Plumbing, Water heaters.
Add-on items
Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof leak, Pest control, Plumbing fixtures, Pool and spa, Power washing (exterior floor0, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series standalone freezer, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, TV mounting (up to 65 in), TV mounting (up to 85 in), Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge.
Plan Name
Total Home Guard
Service Fee
$65 - $125
Monthly Cost
$59
Items covered
Air conditioning, Ductwork, Heating, Electrical, Plumbing, Water heaters, Built-in microwave ovens, Ceiling and exhaust fans, Clothes dryer, Clothes washer, Dishwashers, Garbage disposals, Garage door openers, Ranges/ovens/cooktops, Refrigerator with ice maker and display.
Add-on items
Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof leak, Pest control, Plumbing fixtures, Pool and spa, Power washing (exterior floor0, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series standalone freezer, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, TV mounting (up to 65 in), TV mounting (up to 85 in), Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge.
Average monthly costs: $29.99 - $89.99
An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional 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
Plan Name
ShieldSilver
Service Fee
$125 - $100
Monthly Cost
$29 - $39
Items covered
Air conditioners, Built-in exhaust/vent/attic fans, Ceiling fans, Doorbells and chimes, Ductwork, Faucets and valves, Garage-door openers, Heating units, Interior electrical lines, Interior plumbing lines, Main breaker and fuse panel box, Toilets, Water heaters, Whirlpool tub motor and components.
Add-on items
Electronics Protection Plan (not available in CA. Provided by Allstate Protection Plans), Pool, Spa, Guest Unit, Septic Pump, Well Pump.
Plan Name
ShieldGold
Service Fee
$125 - $100
Monthly Cost
$49 - $59
Items covered
Air conditioners, Built-in exhaust/vent/attic fans, Built-in microwave ovens, Ceiling fans, Clothes dryers, Clothes washers, Dishwashers, Doorbells and chimes, Ductwork, Faucets and valves, Garage-door openers, Garbage disposals, Heating units, Instant hot/cold water dispensers, Interior electrical lines, Interior plumbing lines, Main breaker and fuse panel box, Ranges/cooktops, Refrigerators, Ovens, Toilets, Water heaters, Whirlpool tub motor and components.
Add-on items
Electronics Protection Plan (not available in CA. Provided by Allstate Protection Plans), Pool, Spa, Guest Unit, Septic Pump, Well Pump.
Plan Name
ShieldPlatinum
Service Fee
$125 - $100
Monthly Cost
$79 - $89
Items covered
Air conditioners, Built-in exhaust/vent/attic fans, Built-in microwave ovens, Ceiling fans, Clothes dryers, Clothes washers, Dishwashers, Doorbells and chimes, Ductwork, Faucets and valves, Garage-door openers, Garbage disposals, Heating units, Instant hot/cold water dispensers, Interior electrical lines, Interior plumbing lines, Main breaker and fuse panel box, Ranges/cooktops, Refrigerators, Roof-leak repairs, Ovens, Toilets, Water heaters, Whirlpool tub motor and components.
Add-on items
Electronics Protection Plan (not available in CA. Provided by Allstate Protection Plans), Pool, Spa, Guest Unit, Septic Pump, Well Pump.
Average monthly costs: $47.00 - $87.00
First American provides generous appliance coverage maximums in every plan. If you add the First American Advantage upgrade, miscellaneous items like appliance knobs and dials could also get protection.
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
Plan Name
Starter Plan
Service Fee
$125 - $75
Monthly Cost
$47 - $67
Items covered
Ductwork, Heating system, Refrigerant, Electrical systems, Plumbing systems, Plumbing stoppages, Toilet tank/bowl/mechanisms, Built-in microwave, Dishwasher, Kitchen range hood, Oven/range/cooktop, Refrigerator.
Add-on items
Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump.
Plan Name
Essential Plan
Service Fee
$125 - $75
Monthly Cost
$52 - $72
Items covered
Air conditioning, Ductwork, Heating system, Mini-split ductless systems, Refrigerant, Ceiling/attic/exhaust fans, Electrical systems, Garage door opener, Plumbing systems, Plumbing stoppages, Toilet tank/bowl/mechanisms, Water heaters, Built-in microwave, Clothes dryer, Clothes washer, Dishwasher, Kitchen range hood, Oven/range/cooktop, Refrigerator, Trash compactor.
Add-on items
Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump.
Plan Name
Premium Plan
Service Fee
$125 - $75
Monthly Cost
$67 - $87
Items covered
Air conditioning, Central vacuum system, Ductwork, Heating system, Mini-split ductless systems, Refrigerant, Registers, grills and filters, Window AC unit, Ceiling/attic/exhaust fans, Electrical systems, Garage door opener, Garage door springs, hinges and transmitters, Faucets, Hose bibs, Install ground-level cleanout, Plumbing systems, Plumbing stoppages, Shower head/shower arm, Toilet tank/bowl/mechanisms, Water heaters, Built-in microwave, Clothes dryer, Clothes washer, Dishwasher, Garbage disposal, Instant hot water dispenser, Kitchen range hood, Luxury appliance, Oven/range/cooktop, Refrigerator, Trash compactor.
Add-on items
Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump.
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
Plan Name
Bronze Care Plan
Service Fee
$75
Monthly Cost
$44
Items covered
Built-in microwave, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Refrigerator, Stove/oven.
Add-on items
Central vacuum, Lawn sprinkler system, Pool, Roof leak, Septic system, Spa, Stand-alone freezer, Sump pump, Well pump.
Plan Name
Gold Care Plan
Service Fee
$75
Monthly Cost
$44
Items covered
AC/cooling, Ductwork, Heating system, Plumbing system, Water heater, Electrical system.
Add-on items
Central vacuum, Lawn sprinkler system, Pool, Roof leak, Septic system, Spa, Stand-alone freezer, Sump pump, Well pump.
Plan Name
Platinum Care Plan
Service Fee
$75
Monthly Cost
$47
Items covered
AC/cooling, Ductwork, Heating system, Plumbing stoppages, Plumbing system, Water heater, Ceiling fan, Electrical system, Garage-door openers, Built-in microwave, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Refrigerator, Stove/oven.
Add-on items
Central vacuum, Lawn sprinkler system, Pool, Roof leak, Septic system, Spa, Stand-alone freezer, Sump pump, Well pump.
Cost of a home warranty in North Highlands
The typical monthly cost of a home warranty in North Highlands ranges from $41 to $70, on par with the national average. If you're paying on an annual basis, expect to spend anywhere from $563.62–$927.48 per year. To calculate national cost data, we requested hundreds of quotes for 2,000-square-foot, single-family homes across each state that the providers service.
Home warranty coverage
Home warranties cover a variety of major systems and home appliances. We'll offer a general overview of the two main coverage categories.
What are the typical items covered under a home warranty?
- Built-in microwaves
- Clothes dryers
- Cooktops
- Dishwashers
- Refrigerators
- Washing machines
The first category of items home warranties protect is kitchen and living appliances. This category includes the following: Major systems form the second category of covered items. The specific definition of what a "major system" is will differ between different plans. However, most consist of the following:
- Electrical
- HVAC
- Water heater
- Plumbing
- Central vacuum
What items are typically not covered under a home warranty?
Home warranties, like most service contracts, don't cover everything. Generally, home warranties don't cover item breakdowns caused by damage outside of normal wear and tear. For example, if your air conditioner malfunctions due to a dirty air filter, home warranty companies likely won't cover the repairs since air filter replacement falls under routine maintenance.
- Additionally, home warranties won't cover the following:
- Improper system or appliance installation
- Rust or corrosion damage
- Acts of nature
- Cosmetic damage
- Preexisting conditions
- Hazardous waste
Questions to ask home warranty providers in North Highlands
We recommend asking each home warranty provider you're considering the following questions about their plans, terms and policies.
What items are covered by my policy?
Before asking a home warranty provider for a quote, write down the specific systems and appliances that you need covered. Then, confirm the company has plans meeting your needs. Some providers separate appliance and system coverage into different plans. Also, many home warranty companies offer optional coverage, such as for septic tank pumping or lawn sprinkler systems. Consider purchasing add-ons if you need protection for specific items.
How long is my home warranty good for?
Generally, a home warranty plan is valid for 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies require a 30-day waiting period to stop 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?
Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If your area has no in-network contractors nearby, the warranty company may 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 through the web. While most claims should have a 24 to 48-hour response time, there might be delays if you filed outside standard business hours. After you file your claim, a staff member will examine your claim and connect you with an in-network repair contractor. The contractor's team will schedule a meeting with you to examine the appliance and diagnose the problem. Once the company grants final approval, the contractor can begin the repair work.
Can I transfer my policy to the next owner of my home?
If you need to move, most home warranty contracts include a clause allowing 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 boost 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:
- Exclusions: Home warranties have both general exclusions and component-specific ones. Even if a device or system is generally covered, your warranty could still exclude some specific parts if they become damaged. Read your sample contract carefully to understand the exclusions.
- Workmanship guarantee: Most workmanship guarantees last for 30 days from a warranty repair, though some companies offer longer guarantee periods. If you have more issues with an appliance that an in-network technician recently attempted to repair for you, the home warranty company won't assess an extra service call fee for a new claim.
- Service call fee: The service call fee is the amount you'll pay the home warranty company or service provider for every claim. Fees typically range from $75–$125 per claim.
- Cancellation: A home warranty contract should include information on how to cancel your policy and get a refund. If you cancel within the first 30 days of signup, many companies will offer a complete refund of your annual premium.
- Coverage limit: Each home warranty has a coverage limit that limits how much money the company will pay per claim. There might also be an annual coverage limit or other stipulations.
Facts about North Highlands
Average High in July
Average Low in January
Average Daily Sunlight
- Extends 60-day workmanship guarantee
- Holds high customer ratings
- Offers customization with 38 add-ons
- Covers rust and corrosion damage
- Offers comprehensive coverage limits
- Provides flexible service fees
- Charges low premiums
- Includes roof-leak coverage
- Offers solid HVAC coverage
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
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