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Last Updated: February 25, 2025
The cost of maintaining a home in Sacramento can be expensive, particularly as your home ages and your appliances and systems need to be repaired or replaced. A home warranty in Sacramento can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
The home warranty market is filled with a lot of providers — all with different plans — so the Today's Homeowner team has done the research to help you find the best home warranty companies in Sacramento.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty for Sacramento residents. Choice has 2 simple plans, making the selection process easy. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To read more, visit our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty for Sacramento residents. Select has 3 simple plans, making the selection process easy. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. The coverage caps associated with Select’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To read more, visit our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty for Sacramento residents. AHS has 3 simple plans, making the selection process easy. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage for Sacramento residents. First American has 2 simple plans, making the selection process easy. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage caps associated with First American’s plans are close to the $1,500 mark for most major systems and appliances, and service fees are a reasonable $85.
To read more, visit our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee for Sacramento residents. Cinch has 3 simple plans, making the selection process easy. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To read more, visit our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Sacramento residents. HSC has 2 simple plans, making the selection process easy. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To read more, visit our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,659 |
| Heating | $4,439 |
| Electrical | $666 |
| Toilets | $555 |
| Washer/Dryer | $888 |
| Plumbing | $666 |
| Oven | $1,776 |
| Fridge | $666 |
A home warranty is a protection policy that assists Sacramento homeowners lower the expenses of appliance and system repairs. The plans offer financial coverage to fix or swap out appliances and systems that stop working due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty delivers peace of mind for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who own older homes or ones with outdated systems. More modern homes with functional fixtures probably don’t need a home warranty.
Home warranties cover your home systems and appliances. Covered appliances typically include microwaves, dryers, refrigerators, dishwashers, washers, garbage disposals, and more. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranty providers also offer add-on coverage for locksmiths, roof leaks, central vacuums, and septic systems. Most home warranty plans require Sacramento homeowners to wait 30 days before the plan will cover repairs. Additionally, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to know before signing a contract, such as:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies widely in the items that are included. Most plans cover electrical, AC, plumbing, heating, and appliances. More robust coverage options also offer coverage on other items such as well pumps, pools, spas, and roof leaks. Look for providers with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain companies may eliminate deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's rating provides insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Complimentary reviews and ratings indicate a company known for stellar service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. Bigger networks increase the chance of getting qualified contractors to your home swiftly. Contact possible providers to find out how many contractors they have in Sacramento to understand how long repairs could take in an urgent situation.
Home warranty companies might include bonuses such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These extras can add value beyond repair coverage. Additional perks maximize the usefulness of the home warranty.
Sacramento’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of vetting service technicians by yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. In addition, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your home more attractive to potential homebuyers and help your home sell faster.
One of the main drawbacks of home warranties is not every home system and appliance may be covered. It’s important to weigh the different plans and choose one that covers all the appliances, systems, and add-ons you need.
Another thing to consider is that some providers don’t cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you need more information or if this is a problem for you.
A home warranty costs, on average, around $300 to $600 a year in Sacramento. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. Homeowners insurance protects the entire home in case of something such as a fire or natural disaster. Under homeowners insurance, you won't be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster, which is somewhat common in Sacramento.
Homebuyers, real estate agents, landlords, home sellers, and homeowners can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The different home warranties in Sacramento include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, such as your dishwasher, washing machine, and HVAC. An appliance or system plan will cover only the specific items mentioned in the policy.
Home warranty plans typically last a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Usually the homeowner pays for the home warranty. In some cases, though, the one selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Sacramento is $471,129, a home warranty can be an added asset when buying a home.
