Best 6 Home Warranty Companies in San Francisco, CA

Are Home Warranties Worth It for San Francisco Residents?

Yes, home warranties are worth it for San Francisco residents. Summers in San Francisco can get hot, which makes it important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.

San Francisco 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 per year, based on 120 quotes we requested from home warranty companies across the nation.

Even San Francisco's irregular rain can affect your home's roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Finally, your home warranty will connect you with trustworthy service providers.

A reputable home warranty is a good investment because companies vet their technicians. If you don't have time to do the research yourself, your home warranty company can give you peace of mind that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

These important factors can help you select the right home warranty plan for your needs.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of between $65–$125 every time you file a claim. A basic home warranty is more affordable than a comprehensive one. Appliance plans are typically less costly than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your particular needs before committing to a plan.

Coverage

You can often find home warranty plans that cover specific systems and appliances. Decide whether you want coverage for major systems (such as air conditioning), specific appliances, or for both. Then ask your provider about its options for customized coverage. 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

Generally, home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, theft, defects, or routine maintenance aren't covered either. You can find your provider's limitations and exclusions in your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.

Provider Reputation

Also, consider provider reputation when making a decision. You can find customer reviews on sites like Trustpilot, Google Reviews, and Best Company or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to assess how providers handle 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 network of service providers. Your company should always send licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. Choose a provider that mentions the names of familiar service contractors. Those who live in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so you'll need the option to source your own.