Best 6 Home Warranty Companies in San Luis Obispo, CA

Are Home Warranties Worth It for San Luis Obispo Residents?

Yes, home warranties are worth it for San Luis Obispo residents. San Luis Obispo summers are very hot, which makes it very important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.

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

Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Lastly, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet each service provider they work with.

If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.

What To Consider Before Choosing a Home Warranty Company

Think about the following factors to determine the right 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 an average of $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees 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 particular needs before purchasing a plan.

Coverage

You can often find home warranty plans that cover specific systems and appliances. Determine whether you want coverage for major systems (such as air conditioning), specific appliances, or both. Then ask your provider what its options are for customized coverage. Here 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 cover only normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. Providers outline their exclusions and limitations in their service contracts. Thoroughly read your contract to make sure you understand the terms and conditions of your plan.

Provider Reputation

Provider reputation is another key factor to consider. You can browse customer reviews on sites like Trustpilot, Google Reviews, and Best Company or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles customer service and claims. Check with the California Department of Consumer Affairs to verify a provider's state license.

Contractor Network

Take into account a home warranty company's service provider network. The company you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. Select a provider that mentions service contractors you're familiar with. Residents of rural areas should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, so customers may need to source their own.