San Diego weather has a reputation for being perfect, but that doesn’t mean southern California homeowners want to go through the summer without an air conditioner. Systems and appliances that get a lot of use, like HVAC systems, don’t last forever, and when they wear out, you can face high repair or replacement costs. However, if you have a home warranty that covers the item, you only need to pay a small service fee to get it fixed.

Many nationwide companies offer home warranties in California, but you’ll want to be sure to pick the company that offers the coverage you need at a price you can afford. Thus, we’ve compiled this list of the top home warranty companies in San Diego and the details of the plans they offer to homeowners.

Top 5 Home Warranty Companies in San Diego

The highest-rated home warranty companies in San Diego include:

American Home Shield

For the best overall home warranty in San Diego, we recommend American Home Shield. This provider allows you to customize your payments, on top of its long history in the home warranty industry.

American Home Shield Plans

American Home Shield offers three standard plans: one for systems, one for systems and appliances, and one for both with extra perks. Here is what each plan covers:

Systems and AppliancesShieldSilver™ShieldGold™ShieldPlatinum™
Air Conditioning
Heating System
Smoke Detectors
Ceiling Fans
Plumbing and Stoppages
Water Heaters
Water Dispensers
Central Vacuums
Ranges, Ovens, and Cooktops
Clothes Washer
Clothes Dryers
Built-In Microwave
Trash Compactors
Freestanding Ice Maker
Garage Door Opener
Built-In Food Centers
Coverage Boost
Roof Leak Coverage

American Home Shield’s coverage doesn’t end inside the home, either. If you need it, you can purchase additional coverage for pools, spas, well pumps, septic pumps, and guest units up to 750 sq. ft.

American Home Shield Prices

American Home Shield’s customizable payments relate to the monthly premium versus the service call fee. The premium is what you pay every month of the contract, whether you use it or not. The service call fee or deductible is what you pay every time a technician comes to your house to diagnose, repair, or replace a covered item. If you choose a higher deductible, you will owe a lower monthly premium, and vice versa.

American Home Shield allows you to choose a $100 or $125 service call fee. Here are the monthly premiums that go with it.


Monthly Premium

Yearly Premium










Call 844-529-9298 or fill out this easy online form to get a personalized quote from American Home Shield. The price may vary by location and home size.

Liberty Home Guard: Best Customer Ratings

Liberty Home Guard (LHG) earned 87 out of 100 points in our rating system.

Liberty Home Guard

Best Customer Ratings
  • Response Time: 48 hours
  • State Availability: 50 states
  • Service Call Fee: $65–$125

Liberty Home Guard (LHG) offers three coverage plans, a 60-day workmanship guarantee, and more than 30 add-ons. LHG also provides accessible customer service via its live-chat feature on its website.

Why We Chose Liberty Home Guard

Liberty Home Guard earned 4.5 out of 5 stars in our rating system. It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.

Our team spoke with multiple customer representatives to learn how well LHG handles customer inquiries. Based on our experiences, we believe it holds up to its stellar ratings, with each representative picking up the phone quickly and answering all our questions thoroughly.

Pros and Cons

Pros Extends a 60-day workmanship guarantee Offers 38 unique optional add-ons, including pest control and gutter cleaning Provides a live-chat customer service feature Cons Doesn't allow plan price or service call fee customization Covers high-end appliances only with add-on purchase Lacks transparency about services fees during the quote process

Plans and Pricing

Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. Unlike providers with flexible service call fees, LHG assigns a service call fee to your account based on your plan, add-on selections, and location. According to the representative we spoke with, service fees range from $65 to $125. All LHG’s covered items are subject to a $2,000 coverage cap and a 60-day workmanship guarantee.

Below are the monthly prices for LHG plans. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.

Here are details on LHG’s plans and optional add-on coverage:

  • Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
  • Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
  • Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
  • Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, we were informed that pest control coverage costs an extra $15 monthly.

Liberty Home Guard’s service contract provides additional coverage information for each plan.

What To Expect

Pulling a quote from Liberty Home Guard is straightforward. First, you fill out basic personal information such as your name, phone number, and email. Then, you input your home’s address, type, and whether it is larger or smaller than 5,000 square feet. LHG will then display your home’s customized monthly premium. 

Liberty Home Guard offers solid coverage for the price. Its $2,000 coverage cap applies to all covered items except electrical and plumbing systems. In addition, it offers the most add-on coverage options compared to other providers. This makes LHG a great choice if you have unique items that need coverage. 

Note that LHG doesn’t allow you to choose your service provider since it works with its network of technicians. However, if LHG can’t source a technician from its network near you, it allows you to source your own. 

In reading customer reviews, we found that consumers’ experiences aligned with ours when contacting LHG’s customer service. Many reviewers noted the helpfulness of representatives and how quickly they resolved issues. We experienced this responsiveness each time we called or used its live-chat feature.

Select Home Warranty

If your budget is your largest concern, take a close look at Select Home Warranty‘s plans. You can still get the coverage you need at a reasonable price.

Select Home Warranty Plans

Like most other companies, Select Home Warranty offers plans to cover systems, appliances, or both.

PlansBronze CareGold CarePlatinum Care
Clothes Washer
Clothes Dryer
Garbage Disposal
Built-In Microwave
Air Conditioning
Heating System
Plumbing System
Plumbing Stoppages
Electrical System
Water Heater
Garage Door Opener
Ceiling Fan

Although Select Home Warranty doesn’t offer additional coverage options, all plans come with limited roof leak coverage.

Select Home Warranty Prices

Select Home Warranty offers the lowest deductible of any company on this list; the fee will be between $60 and $75 depending on where you live. The premium prices are similarly affordable. Note that the Platinum Care Plan has the lowest price of any combination plan.


Monthly Premium

Yearly Premium

Bronze Care



Gold Care



Platinum Care



To get a quote or more information from Select Home Warranty, fill out this quick form or call 888-370-3956.

First American Home Warranty

First American Home Warranty also gets our recommendation for offering the best value. The company’s First Class Upgrade and numerous additional coverage options make it an appealing choice.

First American Home Warranty Plans

Instead of separating plans by systems and appliances, First American has a Basic Plan that covers many major systems and appliances and a Value Plan that adds the First Class Upgrade and AC coverage. The Eagle Premier Plan covers everything in the Value Plan plus refrigerators, washers, and dryers.

Note that the First Class Upgrade includes coverage for situations that most other home warranty companies don’t cover, like repairing improperly installed or modified appliances and code violations. This upgrade also covers related costs like lifting equipment, building permits, and refrigerant disposal.

PlansBasic PlanValue PlanEagle Premier Plan
Electrical System
Garage Door Openers
Attic, Ceiling, and Exhaust Fans
Central Vacuum System
Plumbing System and Stoppages
Toilet Tanks and Bowls
Water Heater
Circulating Pump
Sump Pump
Pressure Regulators
Built-In Microwave
Garbage Disposal
Instant Hot Water Dispenser
Trash Compactor
Pest Control Services
Re-Key Service
Central Air Conditioning
Kitchen Refrigerator
Clothes Washer and Dryer
First Class Upgrade

First American also offers optional coverage for these items.

  • Additional refrigeration (up to 4 units)
  • Limited roof leak
  • Ornamental fountain
  • Outdoor kitchen
  • Pool and/or spa equipment
  • Pre-season HVAC tune-up
  • Septic tank pumping/system
  • Sewage ejector pump
  • Smart home devices/equipment
  • Water softener/reverse osmosis filtration system
  • Well pump
  • First Class Plus (raises coverage caps for water heating systems and code upgrades)
  • Plumbing Plus (raises coverage caps for some plumbing issues)

First American Home Warranty Prices

All First American plans come with a deductible of $75. Here are some sample prices for the company’s three options.


Monthly Premium

Yearly Premium

Basic Plan



Value Plan



Eagle Premier Plan



To get a personalized quote from First American Home Warranty, fill out this form or call 800-891-9778.

Cinch Home Services

Finally, Cinch Home Services stands out for its workmanship guarantee. Most companies guarantee their technicians’ repairs for 30 days, but Cinch Home Services extends that to 180 days.

Cinch Home Services Plans

Cinch Home Services’ Complete Plan comes with homeowners insurance deductible reimbursement, which is a unique benefit for a home warranty company.

PlansAppliancesBuilt-In SystemsComplete Plan
Clothes Washers
Clothes Dryers
Built-in Food Centers
Built-In Microwaves
Freestanding Ice Makers
Range Exhaust Hoods
Built-in Trash Compactors
Wall Ovens
Air Conditioning (including ductwork)
Attic Fans
Ceiling Fans
Central Vacuums
Electrical System
Garage Door Openers
Garbage Disposals
Heating System (including ductwork)
Instant Hot/Cold Water Dispenser
Plumbing System
Smoke Detectors
Sump Pump
Water Heater
Built-in Whirlpool/Jetted Bathtub
Homeowners Insurance Deductible Reimbursement
Air Conditioner or Water Filter Credit
Water Sensor

All plans also cover rust and corrosion damage as well as unknown pre-existing conditions. With any of these plans, additional coverage is available for the following.

  • Pool/spa combination
  • Septic system
  • Well pump
  • Premier Upgrade Package (covers some related repair charges like disposal and permits)

Cinch Home Services Prices

With Cinch, you can choose a service fee of $100, $125, or $150. While the $150 figure is high, the company’s premium prices start on the low end of the spectrum.


Monthly Premium

Yearly Premium




Built-in Systems



Complete Home



Call 877-589-0505 or fill out this form for a free quote from Cinch Home Services.

Our Conclusion

While American Home Shield gets our best overall recommendation, we realize that different homeowners have different priorities when it comes to home warranty coverage. For a plan with the best appliance coverage, we recommend First American Home Warranty. For the best value, we recommend Select Home Warranty. For the best additional perks, we recommend Cinch Home Services.

FAQs About San Diego Home Warranties

Our Rating Methodology

The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.

To share feedback or ask a question about this article, send a note to our Reviews Team at