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Best Home Warranty Companies in California

Keep reading to learn about which home protection plan provides the right coverage for you and your home in the state of California.

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To help homeowners choose the right home protection plan, the This Old House Reviews Team reviewed the best home warranty companies in California. We considered the number and quality of plan options, customer service ratings, pricing, availability by state, and other factors to determine which providers are the best. Read on to compare plans, pricing, and coverage.

California’s Top 5 Home Warranty Companies

The best home warranty companies provide comprehensive coverage, affordable plans, and around-the-clock customer service. The highest rated home warranty companies in California include:

Here’s a detailed look at the companies:

American Home Shield

We believe American Home Shield is the best home warranty company in California. It’s an industry leader and the oldest home warranty provider in the business. Since 1971, American Home Shield has earned a positive reputation for its customer service and comprehensive coverage plans.

Pros and Cons of American Home Shield

Pros Cons
Pros Cons
Offers roof leak coverage Its monthly premiums are higher than some competitors
Covers undetectable pre-existing conditions and items without maintenance records Isn't available in Alaska
Allows customers to choose their own service fee -

The company offers three plan options: ShieldPlatinum, ShieldGold, and ShieldSilver. The ShieldPlatinum plan is the most comprehensive plan offered by AHS, covering 23 essential home systems and including coverage for maintenance services, such as rekey, an HVAC tune-up, and air filter discounts.

Here’s an overview of what’s covered under each American Home Shield plan:

What’s Covered in AHS Plans

Coverage ShieldSilver ShieldGold ShieldPlatinum
Coverage ShieldSilver ShieldGold ShieldPlatinum
Roof leak repair* - - ✔️
Air conditioners ✔️ ✔️ ✔️
Heating units ✔️ ✔️ ✔️
Ductwork ✔️ ✔️ ✔️
Built-in exhaust, vent, and attic fans ✔️ ✔️ ✔️
Main breaker and fuse panel box ✔️ ✔️ ✔️
Doorbells and chimes ✔️ ✔️ ✔️
Interior electrical lines ✔️ ✔️ ✔️
Ceiling fans ✔️ ✔️ ✔️
Garage door openers ✔️ ✔️ ✔️
Interior plumbing lines ✔️ ✔️ ✔️
Toilets ✔️ ✔️ ✔️
Faucets and valves ✔️ ✔️ ✔️
Whirlpool tub motor and components ✔️ ✔️ ✔️
Water heaters ✔️ ✔️ ✔️
Refrigerators - ✔️ ✔️
Ranges/Cooktops - ✔️ ✔️
Ovens - ✔️ ✔️
Dishwashers - ✔️ ✔️
Built-in microwave ovens - ✔️ ✔️
Garbage disposals - ✔️ ✔️
Instant hot/cold water dispensers - ✔️ ✔️
Washers - ✔️ ✔️
Dryers - ✔️ ✔️
Rekey ✔️ ✔️ ✔️
HVAC tune-up - - ✔️
Air filter discounts ✔️ ✔️ ✔️

*Roof leak repairs and HVAC tune-ups are not available in Hawaii

American Home Shield also offers five optional add-ons that you can add to each plan:

  • Pool and spa
  • Well pump
  • Electronics Plan
  • Guest unit under 750 square feet
  • Septic pump

American Home Shield plans range from $40–$58 per month, and its service fees range between $75 and $125. By choosing a lower service fee, you may pay slightly more on your premium, while a higher service fee can decrease your monthly premium.

To get a free quote from American Home Shield, call 844-529-9298 or fill out a simple form.

Select Home Warranty

Select Home Warranty (SHW) offers some of the most affordable coverage in the home warranty industry. This not only includes the plans, but the deductibles also, with a $60-$75 charge per service call, which is lower than the industry average of $75-$125.

Pros and Cons of Select Home Warranty

Pros Cons
Pros Cons
Free roof coverage in every plan Low coverage caps that leave the remaining repair costs up to the homeowner
More than 10 add-on options Not available in Washington, New York, Nevada, or Wisconsin
90-day repair guarantee May be charged multiple service fees for one visit if that visit is for more than one repair

SHW offers three plans—Bronze Care, Gold Care, and Platinum Care. Take a look at what systems and appliances are covered under each:

What’s Covered in Select Home Warranty Plans

Coverage Gold Care Bronze Care Platinum Care
Coverage Gold Care Bronze Care Platinum Care
AC/cooling ✔️ - ✔️
Ductwork ✔️ - ✔️
Electrical system ✔️ - ✔️
Heating system ✔️ - ✔️
Plumbing system ✔️ - ✔️
Water heater ✔️ - ✔️
Cooktop - ✔️ ✔️
Dishwasher - ✔️ ✔️
Garbage disposal - ✔️ ✔️
Built-in microwave - ✔️ ✔️
Refrigerator - ✔️ ✔️
Stove/oven - ✔️ ✔️
Clothes washer - ✔️ ✔️
Clothes dryer - ✔️ ✔️
Garage door openers - - ✔️
Plumbing stoppages - - ✔️

Here is the list of add-on options from SHW:

  • Central vacuum
  • Second refrigerator
  • Stand-alone freezer
  • Lawn sprinkler system
  • Septic system coverage
  • Refrigerator ice maker
  • Plumbing fixtures
  • Lighting fixtures
  • Switches and outlets
  • Pool and spa equipment
  • Well pump
  • Sump pump

All of SHW’s plans are under $40 a month. Bronze Care and Gold Care cost $35.85 a month, and Platinum Care costs $37.50 a month. Your service fee will be between $60 and $75 per visit.

For a free quote from Select Home Warranty, fill out this online form or call 888-370-3956.

Complete Care Home Warranty

Complete Care Home Warranty is an affordable option across the board. The company has been in service since 2000, and it’s one of the few home warranty companies available in all 50 states, including California. Compared to the average service call fee of $75, Complete Care Home Warranty stands out for its $49 service fee. Similarly, all of its plans are available for $50 or less, excluding add-on coverage selections.

Pros and Cons of Complete Care Home Warranty

Pros Cons
Pros Cons
Service fee is $49 30-day waiting period
90-day workmanship guarantee Professional-grade appliances have a lower coverage cap
Discounts for paying annually -

Complete Care Home Warranty offers three plan options, including the systems-exclusive Systems Plan, which covers seven major systems for $43 a month. The Appliances plan is available at the same rate, but its coverage is limited to 10 major household appliances, such as your laundry machines, refrigerator, and stove. The Combo Plan retails for $50 and it provides combination coverage for the items available in the basic plans.

What’s Covered in Complete Care Home Warranty Plans

Coverage Systems Appliances Combo
Coverage Systems Appliances Combo
Air conditioning/cooling ✔️ - ✔️
Heating system ✔️ - ✔️
Plumbing system ✔️ - ✔️
Electric system ✔️ - ✔️
Water heater ✔️ - ✔️
Ductwork ✔️ - ✔️
Plumbing stoppage ✔️ - ✔️
Clothes washer - ✔️ ✔️
Clothes dryer - ✔️ ✔️
Garbage disposal - ✔️ ✔️
Refrigerator - ✔️ ✔️
Stove/oven - ✔️ ✔️
Microwave oven (built-in) - ✔️ ✔️
Cooktop - ✔️ ✔️
Dishwasher - ✔️ ✔️
Garage-door opener - ✔️ ✔️
Ceiling fan - ✔️ ✔️

Complete Care also offers a suite of add-on selections for items not covered under their base packages. These options include coverage for your:

  • Pool
  • Central vacuum
  • Sump pump
  • Well pump
  • Limited roof leak
  • Stand-alone freezer
  • Lawn sprinkler system
  • Septic system and pumping
  • Second refrigerator

All of Complete Care Home Warranty’s plans range from $43 to $50, not including your add-on selections. Monthly fees can vary depending on your location, coverage selections, and the size of your home. Complete Care’s low service fee of $49 is an attractive option for budget-conscious consumers who may expect to make frequent claims.

For more information and a free quote from Complete Care Home Warranty, fill out this simple form.

First American Home Warranty

First American Home Warranty is another attractive and reputable option for California homeowners. Offering two plans, First American stands out for its affordability and value. The Basic Plan is available for only $37 a month and it’s exclusive to appliances such as your refrigerator, garbage disposal, and cooktop. While it doesn’t offer a systems-only plan, the Premier Plan offers additional coverage for your plumbing, water heater, ductwork, and five other built-in systems. The Premier Plan costs $49.50 a month.

Pros and Cons of First American Home Warranty

Pros Cons
Pros Cons
Monthly fees below $50 Service call fee of $85 is slightly higher than average
24-hour claims Limited availability in only 34 states
First Class Upgrade package increases covered expenses Air conditioning coverage is only available as an add-on

First American offers two coverage options for homeowners. The Basic Plan offers appliance-only coverage, while the Premier Plan covers both appliances and systems. It’s important to note that air conditioning is not covered by either plan but is available as an add-on.

What’s Covered in First American Home Warranty Plans

Coverage Basic Plan Premier Plan
Coverage Basic Plan Premier Plan
Washing machine
Clothes dryer
Refrigerator
Dishwasher ✔​​
Oven, range, and cooktop
Microwave
Garbage disposal
Trash compactor -
Plumbing -
Plumbing stoppages -
Heating system -
Water heater -
Electrical system -
Garage-door opener -
Ductwork -
Central vacuum system -

First American Home Warranty customers can also add coverage for the following items:

  • Central air conditioning
  • Second refrigerator
  • Pool/spa equipment
  • Well pump
  • First Class Upgrade Package
  • Septic system and pumping
  • HVAC tune-up

The First Class Upgrade package is really what sets First American Home Warranty apart from other companies featured on this list. If you expect to make a lot of renovations to your home, the First Class Upgrade package offers coverage for:

  • Expenses from using cranes to install systems and appliances
  • Pays up to $250 for permits
  • Pays for removal expenses of old appliances that need to be replaced
To request a free and customized quote for your home from First American Home Warranty, call 833-777-0049 or fill out this quick form.

Cinch Home Services

Cinch Home Services earns its spot on this list for its uncommon suite of additional benefits when you enroll in a policy. After more than 40 years of service in the contiguous United States, Cinch Home Services has maintained its reputation for providing reliable coverage to California homeowners. All of Cinch’s plans come with an air conditioner or water filter credit and a free water sensor. The Complete Plan offers the benefit of Homeowners Insurance Deductible Reimbursement.

Pros and Cons of Cinch Home Services

Pros Cons
Pros Cons
Offers coverage for unknown pre-existing conditions Not many add-on coverage options
Discounts on new appliances Only available in the contiguous U.S.
Workmanship guarantee is 180 days Lowest service fee is $100

Cinch Home Services offers three plans, including a systems-exclusive plan, an appliance-exclusive plan, and a combination plan that covers both. Here’s a breakdown of the items covered by each plan.

What’s Covered in Cinch Home Services Plans

Coverage Appliances Built-in Systems Complete Home
Coverage Appliances Built-in Systems Complete Home
Clothes dryer -
Clothes washer -
Cooktop -
Dishwasher -
Built-in food center -
Freestanding ice maker -
Built-in microwave -
Range -
Range exhaust hood -
Refrigerator -
Built-in trash compactor -
Wall oven -
Air conditioning (including ductwork) - ✔​​
Attic/ceiling fans -
Central vacuum -
Doorbell -
Electrical system -
Garage-door opener -
Garbage disposal -
Heating system (including ductwork) -
Instant hot/cold water dispenser -
Plumbing system -
Smoke detectors -
Sump pump -
Toilets -
Water heater -
Whirlpool jetted bathtub -
Air conditioner or water filter credit
Water sensor
Homeowners insurance deductible reimbursement - -
Reach out to Cinch Home Services by filling out this quick form or calling 844-979-0899 for a quote.

Our Conclusion

If you’re unsure which California home warranty company to go with, consider getting quotes from all four providers. You’ll be able to compare coverage and choose a plan that fits within your budget. Also keep in mind that plan costs will vary depending on where you live and the type of coverage you select.

Frequently Asked Questions About California Home Warranties

Are home warranties worth the cost?

While insuring your home can cost several hundred dollars every year, having a home warranty plan could protect you from paying even more money out of pocket for unexpected repairs and replacements.

Home warranty coverage is worth the cost if you want the peace of mind of not worrying about the expenses related to home systems and appliances that break down due to normal wear and tear.

How much is a home warranty in California?

The cost of a home warranty depends on many factors, including the level of coverage you choose, any additional coverage you add to your plan, service fees, where you live, and the square footage of your home. Because of this, we recommend getting quotes from multiple home warranty providers to compare options and get the best deal.

On average, a home warranty costs between $300–$600 a year and service fees range between $75–$125 per claim.

Do home warranties cover HVAC systems?

Most home warranty providers will cover your HVAC systems and offer protection for your air conditioning, heating, ventilation, and ductwork year-round. All five providers mentioned in this article provide HVAC coverage.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.