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Best 6 Home Warranty Companies in Palo Alto, CA

  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Being a homeowner in California can be expensive. Not only that, but many cities in the Golden State see days of 100 degrees Fahrenheit or higher. Many homeowners rely on their air conditioning to deal with extreme heat.

According to the American Housing Survey, 10.7 million California homes have primary AC, such as central air. If your central AC breaks down, a home warranty can help resolve the problem. Below, find our list of the top home warranty companies in Palo Alto, California.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

6 Best Home Warranty Companies in Palo Alto

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
First American Home Warranty Logo
Best Appliance Coverage

First American Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Allows you to choose your service call fee
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • Accepts 24/7 service calls
  • Offers replacement of some covered items that are too damaged to repair

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers

39 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Palo Alto

  • Average Max Temperature:
    71°F
  • Average Min Temperature:
    50°F
  • Average Annual Snowfall:
    0.0”
  • Homeownership Rate:
    56%
  • Median Home Size:
    1,638 sqft
  • Median Home Price:
    $3,144,660

Are Home Warranties Worth It for Palo Alto Residents?

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

Palo Alto winters are fairly mild, but you still want a reliable heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies nationwide.

Even Palo Alto's irregular rain can affect your home's roof. Some home warranty providers offer limited roof-leak protection 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 all their service providers.

What To Consider Before Choosing a Home Warranty Company

These key factors can help you choose the best home warranty plan for your needs.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost approximately $53–$62 per month. There are also service call fees each time you file a claim. Service call fees range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Home systems coverage plans tend to cost more than appliance plans. With most plans, you can get add-on coverage options for an additional monthly cost. Consider your specific needs before purchasing a plan.

Coverage

Figure out which appliances and systems you use most often. You want your home warranty plan to cover these items. Most home warranties can be tailored to your needs, and many companies offer systems-only plans for homeowners that only want 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
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Coverage limits are also important. A plan with higher coverage caps makes more sense for a home with older systems or appliances. Note that, based on our research, companies with higher coverage caps tend to charge higher premiums.

Exclusions

Most home warranties cover only normal wear and tear, which excludes improper installation and preexisting conditions. Additionally, most policies will exclude cosmetic issues or appliance components, theft, routine maintenance, or defects. You can find your provider's exclusions and limitations within your service contract. Read carefully to ensure you understand your plan's terms and conditions.

Provider Reputation

Also, consider provider reputation. You can also browse customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Reviews and ratings can show how a company handles claims and customer service. Check with the California Department of Consumer Affairs to verify a provider's state license.

Contractor Network

Consider a home warranty company's network of service providers. Trustworthy home warranty providers source licensed and registered contractors to fulfill service requests. We suggest asking a provider how and where it sources technicians. Select a provider that mentions the names of familiar service contractors. Rural homeowners should consider choosing a home warranty provider that lets customers pick their technicians. You'll want the option to source your own providers if no in-network ones are available in your area.

Frequently Asked Questions about Home Warranty in Palo Alto

More Home Warranty Resources

Sources

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

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