Best 6 Home Warranty Companies in Palo Alto, CA

Are Home Warranties Worth It for Palo Alto Residents?

Yes, home warranties are worth it for Palo Alto residents. Palo Alto summers are very hot, which makes it extremely important that your air conditioner works well. However, over time this system can malfunction from heavy use.

Winters in Palo Alto are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.

Even Palo Alto's irregular rain can affect your home's roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Lastly, home warranties connect you with reliable technicians.

When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet every service provider they work with.

What To Consider Before Choosing a Home Warranty Company

Think about the following factors when selecting 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 home warranties cost an average of $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Home systems coverage plans will cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your specific needs before purchasing a plan.

Coverage

Determine the appliances and systems you use most often. Most home warranty plans offer customizable coverage tailored to your needs. If you only want coverage for select systems, such as your air conditioner, most providers offer systems-only plans. The same is true if you only need coverage for certain 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

Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers outline limitations and exclusions within their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.

Provider Reputation

Carefully consider a provider's reputation before selecting a plan. Check its Better Business Bureau rating. Also read customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. These reviews can give you an idea of how companies 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

Consider a home warranty company's network of service providers. Providers should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions service contractors you're familiar with. Rural homeowners might prefer home warranty policies with the option to choose their technicians. In-network service providers may be unavailable in these areas, so you'll want the option to choose your own.