Best 6 Home Warranty Companies in Lodi, CA
- Fact Checked
- Updated 2024-06-22 00:00:00
Owning a home in California can be expensive. Not only that, but many cities in the Golden State see days of 100 degrees Fahrenheit or higher. To combat extreme heat, many homeowners rely on air conditioning.
According to the American Housing Survey, 10.7 million California homes have primary AC like central air. If your central AC breaks down, a home warranty can help deal with the problem. Below, find our list of the best home warranty companies in Lodi, California.
Ratings are based on our detailed proprietary methodology and review standards.
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Ratings are based on our detailed proprietary methodology and review standards.
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Ratings are based on our detailed proprietary methodology and review standards.
- 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
6 Best Home Warranty Companies in Lodi
Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.
American Home Shield
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Cons
- Doesn’t let customers choose their own technician
- Offers limited add-on options
52 Years in Business
BBB Rating:B
Liberty Home Guard
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Cons
- Lacks transparency on service call fee pricing
- Excludes coverage for known or unknown pre-existing conditions
6 Years in Business
BBB Rating:A+
Select Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- 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
Cons
- Has a $75 cancellation fee
- Low coverage caps
11 Years in Business
BBB Rating:B-
AFC Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides an unlimited workmanship guarantee
- Offers generous appliance coverage limits
- Allows you to choose your own contractor
Cons
- Limits coverage limits for older items based on depreciated value
- Requires you to file a claim immediately after discovering an issue
14 Years in Business
BBB Rating:B
First American Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- 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
Cons
- Doesn’t let customers choose their own contractor
- Charges higher for coverage compared to other providers
39 Years in Business
BBB Rating:B
2-10 Home Buyers Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers a $25,000 annual coverage cap
- Pairs plans with a plan-length workmanship guarantee
- Offers unique perks such as color matching appliance replacements
Cons
- Charges a monthly processing fee if you choose monthly premiums
- Excludes washer and dryer coverage from most plans
39 Years in Business
BBB Rating:A-
BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.
Facts about Lodi
- Average Max Temperature:76°F
- Average Min Temperature:50°F
- Average Annual Snowfall:0.0”
- Homeownership Rate:57%
- Median Home Size:1,917 sqft
- Median Home Price:$502,851
Are Home Warranties Worth It for Lodi Residents?
Home warranties are worth it for Lodi residents. Lodi experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioner may malfunction over time from heavy use.
Lodi winters are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
Even Lodi's irregular rain can affect your home's roof. Some home warranty companies offer limited roof-leak protection to ease the financial burden of repair.
Lastly, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
These key factors can help you select the right home warranty plan for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost approximately $53–$62 per month. There are also service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.
Coverage
Most home warranties can be somewhat customized to your needs. Think about which systems and appliances you use often and want covered. If you only want coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. Here 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
Home warranties usually only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers outline limitations and exclusions within their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Provider reputation is another key factor to consider. You can read customer reviews on sites like Google Reviews, Best Company, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles customer service and claims. Check with the California Department of Consumer Affairs to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's service provider network. Providers should always send licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. We recommend picking a provider that mentions the names of familiar service contractors. Homeowners in rural areas may prefer home warranty policies with the option to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.
Frequently Asked Questions about Home Warranty in Lodi
No, home warranties are not required in Lodi. However, we still recommend purchasing a home warranty to help you maintain a budget for covering expensive appliance and system breakdowns. Home warranty providers also help you save time by sourcing reputable technicians themselves.
Preexisting conditions are breakdowns or issues that a home appliance or system experienced before coverage began. Most providers don't cover preexisting conditions. You should purchase a home warranty policy while all your systems and appliances still work for full protection.
The best home warranty in Lodi depends on your specific needs. Liberty Home Guard is a good choice if you require unique coverage. Consider American Home Shield if you're looking for comprehensive coverage limits.
Yes, home warranties cover many kinds of home items other than common systems and appliances. For example, home warranties cover pools and spas, stand-alone freezers, septic systems, sump pumps, well pumps, and more. Providers normally cover these items as add-ons. Check with a company representative to see what add-ons are available.
Home warranty policies generally don't cover already broken items. Therefore, most home warranty providers have a 30-day waiting period before the start of coverage to ensure appliance and system breakdowns are from normal wear and tear, not preexisting conditions.
How long a home warranty lasts depends on the company. Plans typically last for one year, and you can renew at the end of your contract.
More Home Warranty Resources
Sources
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