Best 6 Home Warranty Companies in Oceanside, CA

Are Home Warranties Worth It for Oceanside Residents?

Home warranties are worth it for Oceanside residents. Oceanside experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioning system may malfunction over time from heavy use.

Winters in Oceanside are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. Even Oceanside's irregular rain can affect your home's roof.

Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair. Finally, home warranties connect you with trusted service providers. Reputable home warranty companies vet every service provider they use.

If you're busy with work or other priorities, investing in a home warranty ensures you have access to trustworthy technicians.

What To Consider Before Choosing a Home Warranty Company

Think about the following factors to determine the best home warranty for your needs.

Cost

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 per month. You'll also pay a service call fee whenever you file a claim. Service call fees typically range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.

Coverage

Figure out which appliances and systems you use the most. You want your home warranty plan to cover these items. Most home warranties can be tailored to your needs, and many providers offer systems-only plans for those who only need select coverage (such as for air conditioning). You can also find plans that cover only select appliances. 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

Home warranties generally only cover normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies will also not cover cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers outline limitations and exclusions in their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.

Provider Reputation

Also, consider provider reputation. You can also browse real customer reviews on sites like Trustpilot, Best Company, and Google Reviews. Reviews and ratings can show you 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

Take into account a home warranty company's service provider network. Your provider should always use licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. Choose a provider that mentions service contractors you're familiar with. Rural homeowners may prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, and you'll want the option to choose your own.