Best Home Warranty in California in 2022

Owning a home is one of the best assets you can invest in. But with the high maintenance costs to keep its major systems and appliances in top working condition, homeowners must also be prepared for such liabilities.

One way to deal with them is to sign up for the services of a home warranty. If you need home warranty options in CA to shield you from sudden unwanted expenses arising from your home systems, this article will showcase some of the best ones in the state.

In our review of home warranty in California, we’ll give you information about their features, service packages, as well as present some pros and cons for each company. At the end of the article, you will be able to decide which home warranty provider is the best for you and your situation.

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1. American Home Shield

American Home Shield’s packages group systems and appliances separately, making it ideal for those who like this setup. You can also combine the two if you opt for the combo plan. Full Review

  • Flexibility of choice between premiums or service fees
  • Plans offer systems or appliances exclusively
  • No maintenance records required
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American Home Shield’s packages group systems and appliances separately, making it ideal for those who like this setup. You can also combine the two if you opt for the combo plan. Full Review

Service Recall Period

5/5

Plan Options

4/5

Customer Support

5/5

Pricing

5/5

2. First American Home Warranty

First American Home Warranty offers coverage plans that are straightforward and affordable. If you’d like to expand your coverage, add-ons are also available at affordable rates. Full Review

  • Affordable
  • Also covers poorly maintained items
  • Simple service plans
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First American Home Warranty offers coverage plans that are straightforward and affordable. If you’d like to expand your coverage, add-ons are also available at affordable rates. Full Review

Service Recall Period

5/5

Plan Options

4/5

Customer Support

4/5

Pricing

5/5

3. Select Home Warranty

Select Home Warranty’s plans ensure that you can choose the coverage you need. With its affordable premiums, 90-day workmanship guarantee, and occasional discounts, it’s an all-around great choice. Full Review

  • 90-day workmanship guarantee
  • The service fee starts at $60
  • Can cover roof leaks
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Select Home Warranty’s plans ensure that you can choose the coverage you need. With its affordable premiums, 90-day workmanship guarantee, and occasional discounts, it’s an all-around great choice. Full Review

Service Recall Period

5/5

Plan Options

4/5

Customer Support

5/5

Pricing

4/5

4. Cinch

Cinch’s affordable plans and freebies make it one of the most popular companies for home warranties in the state of California. Although they don’t offer add-ons, further perks like long guarantees and discounts on new products still make them a preferred home warranty provider. Full Review

  • Flexible deductible
  • 180-day guarantee
  • Highly affordable plans
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Cinch’s affordable plans and freebies make it one of the most popular companies for home warranties in the state of California. Although they don’t offer add-ons, further perks like long guarantees and discounts on new products still make them a preferred home warranty provider. Full Review

Service Recall Period

5/5

Plan Options

4/5

Customer Support

5/5

Pricing

5/5

5. HomeServe

HomeServe gives you the flexibility to build your own coverage plans, allowing you to save if you only need protection for specific items. At the same time, their combo plans give you wider coverage at a lower cost. Full Review

  • No deductible
  • Build your own menu of services
  • 1-year service guarantee
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HomeServe gives you the flexibility to build your own coverage plans, allowing you to save if you only need protection for specific items. At the same time, their combo plans give you wider coverage at a lower cost. Full Review

Service Recall Period

4/5

Plan Options

5/5

Customer Support

4/5

Pricing

4/5

6. Complete Home Warranty

Complete Home Warranty has four plans to choose from based on your coverage needs. They also let you use your own technician and reimburse you if you paid for the repairs yourself. Full Review

  • Lets you choose your own service provider
  • Reimbursement limitations
  • 24/7 customer service
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Complete Home Warranty has four plans to choose from based on your coverage needs. They also let you use your own technician and reimburse you if you paid for the repairs yourself. Full Review

Service Recall Period

5/5

Plan Options

4/5

Customer Support

4/5

Pricing

4/5

7. 2-10 Home Warranty

2-10 Home Warranty’s 40 years in the industry make it a well-known brand in home protection. Aside from packages for homeowners, they also have special services for those selling their homes. Full Review

  • Offers a service package for home sellers
  • Offers a package for kitchen appliances only
  • 40 years in business
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2-10 Home Warranty’s 40 years in the industry make it a well-known brand in home protection. Aside from packages for homeowners, they also have special services for those selling their homes. Full Review

Service Recall Period

4/5

Plan Options

5/5

Customer Support

4/5

Pricing

4/5

8. American Residential Warranty

American Residential Warranty’s services offer unique coverages. They do have standard packages but they also have exclusive offers for kitchen appliances and electronics that most other home warranty companies do not have. Full Review

  • Low service fee
  • Affordable starting package
  • Good selection of service packages
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American Residential Warranty’s services offer unique coverages. They do have standard packages but they also have exclusive offers for kitchen appliances and electronics that most other home warranty companies do not have. Full Review

Service Recall Period

5/5

Plan Options

4/5

Customer Support

4/5

Pricing

5/5

9. Home Warranty of America

Home Warranty of America gives you simple and straightforward plans that let you choose either low premiums or low service fees. Their packages have good coverage and also let you add individual items for even more protection. Full Review

  • Flexible premiums
  • Good coverage of service packages
  • Lots of optional add-ons
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Home Warranty of America gives you simple and straightforward plans that let you choose either low premiums or low service fees. Their packages have good coverage and also let you add individual items for even more protection. Full Review

Service Recall Period

5/5

Plan Options

4/5

Customer Support

4/5

Pricing

4/5

10. Old Republic Home Protection

Old Republic Home Protection offers coverage for home systems and major appliances. They’re known for fast service while also letting the customer choose their own service provider. Full Review

  • Lets you choose your own service provider
  • Fast turnover according to customer reports
  • Comprehensive plans
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Old Republic Home Protection offers coverage for home systems and major appliances. They’re known for fast service while also letting the customer choose their own service provider. Full Review

Service Recall Period

4/5

Plan Options

5/5

Customer Support

5/5

Pricing

4/5

11. Home Guard Home Warranty

Home Guard Home Warranty’s protection plans cover systems and major appliances together. Plans are comprehensive and can be further customized with an extensive list of add-ons. Full Review

  • Customizable service fees
  • Plans combine appliances and systems
  • Comprehensive plans
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Home Guard Home Warranty’s protection plans cover systems and major appliances together. Plans are comprehensive and can be further customized with an extensive list of add-ons. Full Review

Service Recall Period

4/5

Plan Options

5/5

Customer Support

5/5

Pricing

4/5

Our Methodology

In compiling this list of the most trusted companies for home warranty options in California, we took note of the following:

  • Services – warranty companies offer different services and we’ll give you an overview of what’s covered in their services, as well as any add-ons and limitations
  • Pros and cons – we’ll be giving you what we think are the good points and bad points so you can get a better picture of each company’s strengths and weaknesses
  • Packages – the companies also have different coverage plans and we’ll discuss each of them briefly
  • Prices – along with their warranty plans we mentioned their respective costs and how they compare
  • Ratings and reviews – customer feedback is any company’s best indication of how good their service is, so we’ll also take that into account

Revews of Home Warranty in Ca

American Home Shield
American Home Shield
American Home Shield

Best for Grouping Systems and Appliances Separately

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  • No maintenance records required
  • Flexibility of choice between premiums or service fees
  • 30-day work guarantee
  • Plans offer systems or appliances exclusively
  • Item replacements may delay
  • Can’t use your own service provider

American Home Shield gives you three plans to choose from. What makes their service packages unique is that they group them as an appliances plan, systems plan, or a combination of both. The Appliance Plan starts from $49.99 and covers major appliances such as refrigerators, ovens, clothes dryers, trash compactors, etc. The Systems Plan, which starts from $49.99, covers your HVAC systems and similar items. If you want to have both, get the Combo Plan for $59.00. In case you still need more coverage, optional add-ons include pools and spas, well pumps, septic pumps, and more.

Being one of the popular companies for a home warranty, American Home Shield’s unique feature is that they let you choose the service fee you’re willing to pay. A lower service fee comes with higher premiums and vice versa. Service fees range from $75 to $125. They also do not require a home inspection to get coverage, and the age of your systems and appliances doesn’t matter either. After a repair service, the work guarantee is 30 days. Customer feedback is mostly positive, although the company has been criticized for doing repetitive repairs rather than replacing an item.

First American Home Warranty
First American Home Warranty
First American Home Warranty

Best for Full Coverage Plans

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  • Also covers poorly maintained items
  • Simple service plans
  • Affordable
  • High service fee
  • Only air conditioner coverage as an add-on

If you’re looking for an affordable home warranty service in California, First American Home Warranty should always be on your list. The company entered the home protection business in 1984 and has since built its name in the industry. Service packages are kept very simple, offering only two plans: the Basic and the Premier.

First American Home Warranty is one of the best-rated companies that provide home warranty in California state that’s affordable. The Basic plan is priced at $37 per month, while the Premium costs $49.50. The Basic plan covers appliances like washers/dryers, ovens, cooktops, etc., while the Premium covers systems such as electrical systems, garage door openers, plumbing stoppages, and other similar items. Coverage also includes improperly installed or poorly maintained items.

You also have the option to select add-ons like a second refrigerator or a well pump for an extra cost. You can only cover air conditioners as add-ons, for example. The service fee charged is $85 which is a little more expensive than what other similar companies charge.

Select Home Warranty
Select Home Warranty
Select Home Warranty

Best for the Option to Choose the Coverage You Need

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  • Can cover roof leaks
  • 90-day workmanship guarantee
  • The service fee starts at $60
  • No available pricing online for real estate plans
  • Multiple service fees may apply for one visit

Those looking for the best and most popular California company that offers a home warranty with affordable premiums and good coverage should definitely check out Select Home Warranty. The company has been in business since 2012 not only in California but in 45 other states as well. They have three service packages. The Gold Care costs $41 and covers the major systems, while the Bronze Care, which also costs $41, covers appliances. Just add $6 more and you’ll be able to get both as a bundle plus coverage for the garage door opener, plumbing and plumbing stoppages, and the ceiling fan. You can also cover optional items like plumbing fixtures, sump pump, central vacuum, and more as optional add-ons.

Select Home Warranty’s 90-day workmanship guarantee doesn’t cover pre-existing conditions. They do cover roof leaks and have discounts if you’re getting coverage plans for more than one year. They also offer promos that give discounts and other perks from time to time. They have real estate plans, too, but their pricing is not available on their website.

Cinch
Cinch
Cinch

Best for Affordable Plans and Freebies

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  • Highly affordable plans
  • 180-day guarantee
  • Flexible deductible
  • No optional add-ons
  • High deductible costs

Cinch is a home warrantythat many consider the best in California,with a highly affordable selection of protection plans. Prices start at $27.99/month which covers appliances. $32.99/month gives you protection for your major systems but without coverage for appliances. If you’d like to have both covered, the Complete Home Plan costs $39.99. All three plans give you a $25 air conditioner or water filter credit, plus a free water sensor. They have no option for add-on items.

The workmanship guarantee lasts 180 days which is longer than most companies. If your appliance or major system has pre-existing conditions, Cinch can still cover them as long as you’re making a claim after the 30-day waiting period. If you need to replace your appliance, Cinch also offers discounts. Cinch allows you to choose your deductible – which can be either $100, $125, or $150. A lower deductible will result in a higher premium, of course.

HomeServe
HomeServe
HomeServe

Best for Flexibility to Build Your Own Coverage Plans

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  • 1-year service guarantee
  • Build your own menu of services
  • No deductible
  • Affordable
  • Many complaints about service providers not showing up
  • Won’t let you choose your own service provider

HomeServe’s approach to its service packages is a bit different compared with most of the home warranty solutions on the market. While other providers design their packages by grouping appliances and systems separately, HomeServe lets you pick specific items à la carte style. HomeServe groups items into plumbing, electrical, and heat & cooling categories. From there, you can pick items from their respective menus to add to your coverage list and then mix them with other items from another category. For instance, you can combine Exterior Water Service Line Coverage that costs $7.95/month with a cooling system coverage that costs $12.79/month. You can add more items to build your own customized menu.

The à la carte system makes them a home warranty that is one of the best in California for those who’d like to build itemized coverage packages. If you don’t like the idea of building your coverage yourself, they also have bundled combos that can save you a lot of money. The most complete combo plan they offer is the TotalHome Warranty Combo for $46.66/month. It includes 8 appliances and 10 home systems. They also do not charge a deductible.

HomeServe gives a 1-year guarantee for all repair works, but they won’t let you use service providers outside their network.

Complete Home Warranty
Complete Home Warranty
Complete Home Warranty

Best for Plans Based on Your Coverage Needs

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  • No deduction
  • Lets you choose your own service provider
  • Reimbursement limitations
  • 24/7 customer service
  • No workmanship guarantee
  • Claim processing can take up to 48 hours

Complete Home Warranty offers four plans to choose from, the Essential plan ($45), Advanced ($55), Comprehensive ($65), and Ultimate ($75) plans. All plans cover HVAC systems and plumbing systems for water heaters. As you go from the most basic plan to the most expensive one, you’ll get additional coverage for appliances. Starting from the Advanced plan, you’ll also be entitled to free maintenance checks. If the coverage of the packages isn’t enough for your needs, check out their add-ons for the items you’d like to include individually.

Complete Home Warranty has a 30-day waiting period before the start of coverage. Service calls are free, unlike most other home warranty choices in California that charge a deductible or copay. Another standout feature is the fact that you can use your own technicians for repairs as long as you coordinate it with the company. If you paid money from your own pocket, you can have your expenses reimbursed. Claim processing time takes a maximum of 48 hours. Note, however, that they have no workmanship guarantee officially declared on their website.

2-10 Home Warranty
2-10 Home Warranty
2-10 Home Warranty

Best for Over 40-Year Experience in the Industry

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  • Offers a service package for home sellers
  • Offers a package for kitchen appliances only
  • 40 years in business
  • High service fee
  • Customer report limited contractor availability

2-10 Home Warranty provides financial protection from breakdowns and repairs of your home’s major appliances and systems. The company has been around for over four decades and has become one of the trusted home warranty options in the state of California up to date.

2-10 Home Warranty’s plans are specially tailored to fit various types of needs. They have three packages to choose from. The Complete Home plan covers the HVAC systems, plumbing systems, electrical systems, and kitchen appliances. The Pinnacle Home includes all the items covered in the Complete Home plan, plus additional items in each category. If you only want your kitchen appliances covered, then the Simply Kitchen plan gives you a special package meant only for kitchen appliances. Pricing starts at $19 per month with the Simply Kitchen plan, while the service fee is $100. Unlike other companies for a home warranty, 2-10 Home Warranty has a special package for those who are selling their homes.

American Residential Warranty
American Residential Warranty
American Residential Warranty

Best for Unique Coverages

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  • Good selection of service packages
  • Affordable starting package
  • Low service fee
  • You can’t file claims online or via the app
  • Top-tier plans are expensive

For the home warranty option in California state with flexible coverage options that include home systems and appliance protection, check out the American Residential Warranty. They offer four main plans: Heating & Cooling ($39.99), Kitchen Plus ($34.99), Platinum ($49.99), and Platinum Premier ($59.99). On top of these are three extra plans: the 3-in-1 Bundle ($109.99), 4-in-1 Bundle ($124.99), and Ultimate Electronics Protection ($24.99). Their lowest tier is very competitively priced, although it may not include everything you need. In contrast, their full-scale package is higher priced than most of its competitors.

If you’re calling to make a claim, American Residential Warranty charges $55 as a service fee which is definitely below the industry average. Despite having a dedicated mobile app, American Residential Warranty doesn’t let you file claims through it or online, unlike other warranty companies. After a repair has been completed, there’s a 30-day workmanship guarantee.

Home Warranty of America
Home Warranty of America
Home Warranty of America

Best for Simple and Straightforward Plans

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  • Lots of optional add-ons
  • Flexible premiums
  • Good coverage of service packages
  • 10% cancellation fee
  • Relatively high chances of claim denial

For those looking for a home warranty that offers comprehensive services with an extensive list of add-ons, Home Warranty of America usually comes at the top of the list. There are basically two packages, the Premier and the Premier Plus. Both packages cover home systems and major appliances, with the Premier Plus plan including 30 more additional items. Their simplified yet comprehensive coverage also makes them one of the excellent home warranty providers for rental property.

You can choose how much premium you want to pay for each package, and this in turn will affect the service fee. The $41.15/month premium for the Premier comes with a $100 service fee, while the $44.62/month comes with a $75 service fee. Likewise, the $50.38/month premium for Premier Plus makes your service fee $100, while the $53.46/month premium makes your service fee $75. If you need more coverage, you can add optional items for an extra fee each. There is no need to present maintenance records to get covered. You can cancel your coverage anytime, though there is a 10% cancellation fee.

Old Republic Home Protection
Old Republic Home Protection
Old Republic Home Protection

Best for Coverage for Home Systems

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  • Comprehensive plans
  • Lets you choose your own service provider
  • Fast turnover according to customer reports
  • Confusing online brochure
  • Air conditioning is not covered in the service packages
  • Full annual payments required

Another well-known home warranty choice in California is the Old Republic Home Protection. They offer three plans plus optional add-ons for expanded coverage. Pricing varies depending on the type of home. For a single-family home’s annual premiums, Standard Coverage is $405, Ultimate Coverage is $510, and Platinum Coverage is $615. All plans require you to pay the annual premium in full to receive coverage. These plans do not include air conditioning systems which can only be covered as an add-on option. Detailed pricing can be found on their website, however, the online brochure can be confusing as it isn’t as straightforward as those of other companies.

Like most companies for home warranty options, coverage starts after the 30-day waiting period. They also have a deductible of $75 to be paid prior to getting service. They guarantee repair works for 30 days, and they also let you choose your own service provider.

Home Guard Home Warranty
Home Guard Home Warranty
Home Guard Home Warranty

Best for Protection Plans That Cover Systems

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  • Plans combine appliances and systems
  • Customizable service fees
  • Comprehensive plans
  • Central air conditioning only comes as an add-on
  • Refrigerator and washer not included in Standard plan

Home Guard Home Warranty is a home protection option that has been helping Californians avoid the steep cost of repairs arising from major appliances’ and home systems’ breakdowns. Even without the refrigerator and washer, the most basic package should be comprehensive enough for most needs. All plans combine appliances and systems unlike other home warranty options in CA that group each category into separate plans. The Standard plan costs $335 annually, followed by the Advantage and Total Protection which costs $485 and $585, respectively. These prices are based on a single-family type of home.

The Standard plan already covers nearly every essential which includes appliances like dishwashers and trash compactors, as well as systems like the heating system and electrical system. Upgrading to the Advantage and Total Protection plans gives you access to more items not included in the lower tiers. You can also add optional protection for pools, ornamental fountains, and other non-typical items. The service fee is $75 per visit, but it can be lowered to $40 if you add $70 to your annual premium.

Home Warranty in California – Buyer’s Guide

Finding a trusted home warranty option can be a daunting task because there are a lot of companies to choose from that offer home warranties solutions. That’s why we listed the key points you need to consider when making a decision.

What to Consider When Choosing a Company That Offers a Home Warranty

So, what is the most popular company that provides home warranty plans in California? That depends on what you’re looking for. With each company having its own advantages and limitations, here are some of the things that you have to consider:

Prices

Perhaps the main reason you’re getting a home warranty is that you want to save money on the repairs and maintenance of your home’s appliances and systems. With that in mind, it’s always important to know which company allows you to save the most. Premiums range from $21 to $60 per month which will give you a varying extent of coverage. Aside from premiums, you should also take note of the service fee. Most companies have fixed service fees, others let you adjust them according to the premium, while others have none.

Coverage

Premiums affect coverage. In general, higher premiums should give you more coverage. Also, consider that the home warranty providers in California do not group coverages in the same way. Depending on the company, it may combine or separate appliances from systems, have separate plans for kitchen items, or even let you build your own customized coverage instead.

Workmanship guarantee

Workmanship guarantees usually range from 30 days to 90 days. Within this guarantee period, if anything goes wrong with the repaired or replaced items, further work on them is not charged to the homeowner. There are a few companies that offer guarantees for as long as 180 days and even 1 year, while others do not offer any guarantees at all.

Customer reviews and feedback

When reading reviews of the top-rated companies for home warranties in the state of California, it’s very important to check for feedback from actual users as reviews and ratings from customers may actually differ from those given by professional journalists or bloggers. Also, consider that it is normal for companies in this industry to occasionally get poor ratings. Companies usually reply to dissatisfied customers in forums and reading those can also be very helpful in forming an unbiased opinion.

Customer support

A company can only be as good as their customer support, so check if they have a dedicated hotline for resolving any issues that clients may face. Again, search online for feedback. Read customer reviews about how fast they respond to concerns, how helpful their representatives are, and how well their service provider handles customers’ problems.

Discounts

The ideal home warranty providers in California occasionally offer discounts and these are always worth watching out for. Some companies offer discounts for annual payments, while others would give a free month under certain conditions. Discounts can take on many forms and can be a regular part of the service or a limited offer.

Is There a Home Warranty That Covers Pre-Existing Conditions?

Pre-existing conditions are repair concerns that were present before you signed up for protection coverage. This is important especially if you’re trying to cover older systems and appliances. Most warranty companies do not cover pre-existing conditions except for a few, like Cinch, as previously mentioned in our reviews of the most popular companies that offer home warranty solutions in California.

Companies That Offer Home Warranty in the State of California at a Glance

Take another glance at the companies before you go:

Conclusion

Owning a home is an asset, but the high costs of maintaining its systems and major appliances can turn it into a liability. Home warranty steps in to protect homeowners from such expenses, and having so many options for companies that offer home warranty solutions especially in California, it’s important to know how to choose the best home warranties for your situation.

Homeowners must compare their home warranty options. Pricing is always a consideration, but make sure to cross-check it with what every service package includes. Also make sure to check the company’s reputation, what customers say about their experience, and also how company representatives handle their customers’ issues.

FAQ

Which home warranty option is the best in California?

That depends on what you’re after. If you’re after a company that covers pre-existing conditions, Cinch is your top choice. If you like customizing coverage with à la carte items, HomeServe is the best option.

Who pays for the home warranty? Buyer or seller?

That depends on the arrangement. Some professional sellers already include home protection with the properties they are selling. In cases when they do not, buyers can get home protection on their own. If the property is covered with an expiring warranty, check the warranty provider’s reputation to know if you should renew protection or search for another provider.

Are home warranties worth the money?

Warranty plans are designed to protect homeowners from the high costs of the repairs of major appliances and home systems. A breakdown of HVAC systems can cost more than $500, for example. Add other items like washers and plumbing and you’ll have to invest even more into repairs. In comparison, premiums for a home warranty in California cost around $500 annually on average which can definitely save you from having to pay for the repairs of a few items outright.