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Best Home Warranty Companies in California (2022)

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 4 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:

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 & Cons

✔ Offers roof leak coverage
✔ Covers undetectable pre-existing conditions and items without maintenance records
✔ Allows customers to choose their own service fee

✘ Its monthly premiums are higher than some competitors

Plans & Pricing

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.

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.

Learn more: American Home Shield Review

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.

Pros & Cons

✔ Free roof coverage in every plan
✔ More than 10 add-on options
✔ 90-day repair guarantee

✘ Low coverage caps that leave the remaining repair costs up to the homeowner
✘ May be charged multiple service fees for one visit if that visit is for more than one repair

Plans & Pricing

SHW offers three plans—Bronze Care, Gold Care, and Platinum Care. Gold covers essential home systems, Bronze covers home appliances, and Platinum covers both.

You can also choose from this list of optional add-ons: 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.

Learn more: Select Home Warranty Review

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.

Pros & Cons

✔ Monthly fees below $50
✔ 24-hour claims
✔ First Class Upgrade package increases covered expenses

✘ Service call fee of $85 is slightly higher than average
✘ Air conditioning coverage is only available as an add-on

Plans & Pricing

First American offers two coverage options for homeowners. The Basic Plan, available for only $37 per month, 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.

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.

Learn more: First American Home Warranty Review

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.

Pros & Cons

✔ Offers coverage for unknown pre-existing conditions
✔ Discounts on new appliances
✔ Workmanship guarantee is 180 days

✘ Not many add-on coverage options
✘ Only available in the contiguous U.S.
✘ Lowest service fee is $100

Plans & Pricing

Cinch Home Services offers three plans. The Built-in Systems Plan covers exclusively systems, the Appliances Plan covers exclusively appliances, and the Complete Home Plan covers both.

Some optional add-on items for Cinch are: Spas, pools, septic tanks, well pumps

In general, customers will pay in between $35 and $62 per month for a plan. For a lower service fee, your monthly premiums will be higher, but if you select a higher deductible, your monthly premiums will be lower.

Reach out to Cinch Home Services by filling out this quick form or calling 844-979-0899 for a quote.

Learn more: Cinch Home Services Review

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.

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