Best 6 Home Warranty Companies in Tracy, 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. Many homeowners rely on their air conditioning to deal with extreme heat.
According to the American Housing Survey, 10.7 million California homes have primary AC, such as central air. If your central AC breaks down, a home warranty can help handle the problem. Below is our list of the best home warranty companies in Tracy, 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 Tracy
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 Tracy
- 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:$750,657
Are Home Warranties Worth It for Tracy Residents?
Yes, home warranties are beneficial for Tracy residents. Tracy experiences hot summers, and you probably use your air conditioner constantly during warmer months. Your air conditioning system can malfunction over time from heavy use.
Tracy has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
Even in Tracy, over time rain can cause damage to your roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair.
Finally, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when picking the best home warranty plan for you.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 a month. You'll also pay a service call fee whenever you file a claim. Service call fees range from $65–$125 per claim. A basic home warranty is generally more affordable than a comprehensive one. Appliance plans are typically less costly than home systems coverage plans. With most plans, you can get add-on coverage options for an additional monthly fee. Consider your particular needs before committing to a plan.
Coverage
Many home warranty companies offer systems-only plans or plans for select appliances. Figure out which systems and appliances you use the most before choosing a plan. If you only want to cover certain major systems (such as air conditioning) or certain appliances, you can find a plan that meets your needs. 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
Usually, home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, theft, defects, or routine maintenance aren't covered either. Your provider will outline its limitations and exclusions in your service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.
Provider Reputation
Carefully consider a provider's reputation before selecting a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites like Best Company, Trustpilot, and Google Reviews. Reading these reviews gives you an idea of how providers handle claims and customer service. Check with the California Department of Consumer Affairs to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Trustworthy home warranty providers source licensed and registered contractors to fulfill service requests. We suggest asking a provider how and where it sources technicians. Select a provider that mentions service contractors you're familiar with. Rural homeowners might prefer a home warranty that lets them choose their technician. You may need to source your own provider if there are no in-network ones in your area.
Frequently Asked Questions about Home Warranty in Tracy
No, you don't need a home warranty in Tracy. However, we still recommend purchasing one, as it helps you maintain a budget to cover expensive appliance and system breakdowns. It'll also save you time you'd otherwise spend searching for a trustworthy service technician.
A preexisting condition is a breakdown or issue experienced by a home appliance or system before warranty coverage starts. Providers typically don't cover preexisting conditions. Try to purchase a home warranty policy while all your systems and appliances are still in working order to ensure full protection.
The best home warranty in Tracy depends on what you're looking for. American Home Shield is a solid choice for comprehensive coverage limits. You might also consider Liberty Home Guard if you need unique coverage.
Yes, you can find a home warranty that covers household items besides common systems and appliances. For instance, some home warranty policies might cover stand-alone freezers, well pumps, pools and spas, septic systems, or sump pumps. These are typically considered add-ons. Check with your provider to determine what add-ons are available.
Home warranty policies usually don't cover items that are already broken. Therefore, most home warranty companies have a 30-day waiting period before the start of coverage to ensure appliance and system breakdowns are from normal wear and tear rather than preexisting conditions.
How long a home warranty lasts varies depending 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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