1. Home
  2. Homeowners
  3. Home Warranties
  4. Home Warranties in California

Best Home Warranties in California

Take a Home Warranty Quiz. Get matched with an Authorized Partner.

    Author picture
    by Taylor Sansano Contributing Writer

    Our research team vetted 13 home warranty companies that are rated by more than 3,269 customers in California. Read our guide to choose the best home warranty in California for you by comparing plans, contract lengths and service fees.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 3,481,218 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    Key Insights

    • Our top picks include American Home Shield, Select Home Warranty, American Residential Warranty and HomeServe.
    • To find the best home warranty in California for you, make sure you get coverage for the systems you can’t do without.
    • A home warranty in California typically costs $50 to $75 per month, based on quotes from our top picks.

    Our 4 California home warranty picks

    Here are our favorite home warranty companies in California, based on local reviews:

    Methodology

    To select our top picks, we started with the home warranty companies available in California on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in California, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

    Our top pick overallAmerican Home ShieldAUTHORIZED PARTNER
    • Number of plans: 3
    • Contract length: 1 year
    • Service fee range: $75, $100 or $125

    With 50 years in business and more than 2 million members, American Home Shield has a long history in the home warranty industry. American Home Shield sells home warranty plans that cover up to 23 home appliances and systems. This coverage includes items that break down due to age, normal wear and tear, undetectable preexisting conditions and lack of maintenance.

    We’ve compared this company’s plans based on select coverage items below.

    ShieldSilverShieldGoldShieldPlatinum
    Monthly premium cost*$29.99 to $44.99$39.99 to $54.99$59.99 to $74.99
    Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-onAdd-on
    Roof leak repairsAdd-onAdd-on
    Second refrigerator
    Septic pumpAdd-onAdd-onAdd-on
    Stand-alone freezer
    Well pumpAdd-onAdd-onAdd-on
    ShieldSilver$29.99 to $44.99$75, $100 or $125Add-onAdd-onAdd-onAdd-on
    ShieldGold$39.99 to $54.99$75, $100 or $125Add-onAdd-onAdd-onAdd-on
    ShieldPlatinum$59.99 to $74.99$75, $100 or $125Add-onAdd-onAdd-on

    *For a home in Los Angeles at the time of publishing

    At the time of publishing, reviews for American Home Shield in California are enthusiastic and plentiful, giving the company the most 5-star reviews of our top picks in the state.

    Kamille from San Jose wrote, “I like that American Home Shield covers my appliances because they're getting to be about 10 years old now. … Everyone has been great. They're very friendly, knowledgeable and they take the time to explain to me what they're doing and what's going on. I've had really good experiences.”

    Kathleen from Sun City added, “We like the service of AHS very well. Their service has always been very good. We've used them at least three times for air conditioners, refrigerators, and electrical. And everyone and the people that have come out have been fantastic.”

    Our pick for low service feesSelect Home WarrantyAUTHORIZED PARTNER
    • Number of plans: 3
    • Contract length: 1 year
    • Service fee range: Typically $60 to $75

    Select Home Warranty protection plans cover a wide range of items that are in good working condition and properly maintained at the time of purchase, regardless of their make or model. Plans are customizable, and roof coverage is available as an add-on, though it’s free at the time of publishing.

    We’ve compared this company’s plans based on select coverage items below.

    Bronze CareGold CarePlatinum Care
    Monthly premium cost*$70$70$75
    Service call fee*Typically $60 to $75Typically $60 to $75Typically $60 to $75
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-onAdd-on
    Roof leak repairsAdd-onAdd-onAdd-on
    Second refrigerator
    Septic pumpAdd-onAdd-onAdd-on
    Stand-alone freezerAdd-onAdd-onAdd-on
    Well pumpAdd-onAdd-onAdd-on
    Bronze Care$70Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
    Gold Care$70$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
    Platinum Care$75Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on

    *For a home in Los Angeles at the time of publishing

    Reviews for Select Home Warranty in California are positive, and reviewers frequently mention receiving discounts that increase the value of their plans.

    “I called to get a quote on annual home warranty policy. The rep went through the options, and I was able to get a couple of discounts,” wrote Jeremiah from El Cajon. ”The rep also pointed out … the option to get multiple year coverage that was less annually than the single year, and I got the lowest per call cost they have. It was a good deal.”

    Robert from Banning had a similar experience when he contacted a sales representative: “He was very helpful ... and offered a reduced annual rate if paid in advance. Then he inquired if I was a Senior or a Veteran and when he told me I qualified for a further reduction in annual rate and it was set for life. I mean who the heck does that. I opted for a 5yr plan and am very happy with receiving a free year of coverage and a reduced service fee. Imagine that.”

    Our pick for customer serviceAmerican Residential WarrantyAUTHORIZED PARTNER
    • Number of plans: 4
    • Contract length: Month to month
    • Service fee range: Varies

    American Residential Warranty sells home warranty plans, electronics protection plans and home security systems nationwide. ARW's plans are customizable and cover a wide range of appliances and systems. For additional coverage, you can also bundle multiple plans.

    We’ve compared this company’s home warranty plans based on select coverage items below.

    Kitchen plusHeating & coolingPlatinumPlatinum premier
    Monthly premium cost*$34.99$39.99$49.99$59.99
    Service call fee*VariesVariesVariesVaries
    Built-in microwavesAdd-on
    Clothes dryersAdd-onAdd-onAdd-onAdd-on
    Clothes washersAdd-onAdd-onAdd-onAdd-on
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    PlumbingAdd-onAdd-onAdd-on
    Water heatersAdd-on
    PoolsAdd-onAdd-onAdd-onAdd-on
    Roof leak repairs
    Second refrigeratorAdd-onAdd-onAdd-onAdd-on
    Septic pump
    Stand-alone freezer
    Well pumpAdd-onAdd-onAdd-onAdd-on
    Kitchen plus$34.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Heating & cooling$39.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Platinum$49.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Platinum premier$59.99VariesAdd-onAdd-onAdd-onAdd-onAdd-on

    *For a home in Los Angeles at the time of publishing

    Reviews for American Residential Warranty from Californians are overall very positive. Strong customer service is a consistent theme, and reviewers frequently praise employees by name.

    Artrey from Moreno Valley wrote, "My experience with ARW is very good; Sharlene (Rep.) and all workers are professional and kind; my questions were answered and the work is great; also the price is right; I will highly recommend family and friends; I'm very happy."

    Nash from Sanger had similar praise: “Customer service was good. ... In addition, The representative I spoke with was very helpful and explained in nice detail about the warranty coverages on my policy. I plan to share this with my daughter, she might be interested also.”

    Our pick for specialty plansHomeServeAUTHORIZED PARTNER
    • Number of plans: 17*
    • Contract length: 1 year
    • Service fee range: Varies

    HomeServe offers the most plan options of any of our top picks. Its plans include both comprehensive home warranty plans and specialty plans for specific parts of your home, like your wiring and plumbing. HomeServe also works with Golden State Water Company, Cal Water and SoCalGas to provide additional plan options.

    We’ve compared a few of this company’s more comprehensive plans based on select coverage items below.

    TotalHome Warranty AppliancesTotalHome Warranty ComboPremium Home Protection Plan
    Monthly premium cost*$48.33$58.33$69.99
    Service call fee*$100$100$0
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    ElectricalInterior only
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    Pools
    Roof leak repairs
    Second refrigerator
    Septic pump
    Stand-alone freezer
    Well pump
    TotalHome Warranty Appliances$48.33$100
    TotalHome Warranty Combo$58.33$100Interior only
    Premium Home Protection Plan$69.99$0

    *For a home in Los Angeles at the time of publishing

    Reviewers in California are fond of HomeServe’s specialty and comprehensive warranties, giving the company the highest ratio of 5-star to 1-star reviews among our top picks.

    “HomeServe's claims process is good. When I had a sewage problem, the repair man came out within couple hours and fixed it right away. He was very nice and helpful. Overall, it is good to have a home warranty,” wrote Trang from San Jose.

    Cherryl from Livermore was so happy with her specialty plan that she decided to add coverage, writing, “My entire house backed up. When the gentleman came he was professional and personable. He found that the issue was in fact inside the home. He fixed the issue in no time. … I'm going to sign up for the inside insurance too. I'm very happy with this service and would recommend it to everyone I know.”

    Compare Top California Home Warranty Companies

    Sort

    Take a Home Warranty Quiz. Get matched with an Authorized Partner.

      How to find the best home warranty in California

      los angeles skyline

      California is a large state, so people in San Francisco can experience very different issues from those in San Diego. As a result, they may have different needs when it comes to buying a home warranty. Wherever you are in California, take your area’s weather, housing market and other factors into account when purchasing a policy.

      For example, homeowners in Palm Springs should ensure that their policies include coverage for their air conditioning. Otherwise, they could be left dealing with the desert heat while their home warranty does nothing to help. On the other hand, people in the Sierra Nevadas around places like Truckee might favor policies that cover plumbing issues in case their pipes freeze in the winter.

      Otherwise, choosing a home warranty in California is much like buying one anywhere else. Shop around, compare quotes and read reviews to make sure you pick the right company for your needs.

      Home warranty regulations in California

      Home warranty contract providers in California are licensed and regulated by the California Department of Insurance.

      The state has pretty strict legislation surrounding home warranties and service contracts. This includes relatively high standards for licensing and a wide variety of bookkeeping, financial assets and sales mandates that companies have to adhere to in order to operate in the state.

      Additionally, California law requires that each home warranty contract must contain information on:

      • Coverage: Each contract must include a description of the coverage it offers and definitions of the covered item or items.
      • Duration: The contract must stipulate when it starts and ends.
      • Transferability: Contracts must specify whether they are transferable to future owners of the property in question.
      • Exclusions: The contract must list any relevant factors or items that are excluded from its scope.
      • Maintenance requirements: If preventive maintenance is required, the contract must outline the nature and frequency of the maintenance and any other obligations, as well as the consequences of noncompliance.
      • Claims process: Contracts must outline the step-by-step process for submitting claims.
      • Cancellation: Home warranty contracts must include language defining your rights to cancel the contract.
      • Disputes: Contracts must contain information respecting the availability of any informal dispute settlement process.

      The actual statutes go into much greater detail on these subjects. For instance, California law also has rules regarding canceling a home service contract. In California, if you enter into a service contract online, the company must let you cancel the service contract online.

      If you wish to file a grievance with the state government against a home warranty company, you can do so online or by phone — follow these instructions.

      Not all states have this level of consumer protection regarding home warranties. However, it’s still smart to read reviews and try to avoid bad companies before you sign on the dotted line.

      California home warranty FAQ

      Based on our top picks, the average cost of a home warranty in California is $50 to $75 per month. This puts California’s home warranty costs slightly above the national average of $36 to $68 per month, but specialty plans with limited coverage are also available for less. How much you’ll end up paying depends on the plan and company you choose.

      Home warranty companies may offer ways to save on your monthly bill, like bundling plans or opting for a higher service fee. The quotes we’ve listed above for our top picks don’t include any discounts because they might not be available for everyone, but this is an element you should consider when you’re comparing quotes.

      Like in any state, a home warranty may be worth it in California, but it depends on your situation. If you’re on a tight budget where an unexpected bill could upset your financial stability, a monthly home warranty bill can be a consistent alternative, and your home warranty could save you a lot in the long run. On the other hand, you may spend more on your home warranty than you would without it if nothing major goes wrong in your home.

      Evaluate your budget, personal risk level and financial stability to see if a home warranty is right for you.

      Home warranties cover the repair and replacement of specific home systems and appliances that break down from regular use.

      Covered systems often include your:

      • Electrical system
      • Heating system
      • Air conditioning system
      • Plumbing system

      Covered appliances often include your:

      • Refrigerator
      • Washer
      • Dryer
      • Dishwasher
      • Range/oven/cooktop
      • Built-in microwave

      Individual policies vary, though, so compare plans from different home warranty providers.

      Bottom line

      California takes its home warranty regulations seriously so that you can feel more confident in your purchase. However, choosing the right home warranty doesn’t stop at finding a company that meets the legal minimums. If you’re still trying to figure out which option makes the most sense for your situation, check out the FAQ section on our home warranty buyers guide or our resources on home warranty costs and coverages.

      Article sources

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page.
      1. California Legislative Information, “AB-1221 Consumer warranties: service contracts: cancellation: disclosures.” Accessed November 5, 2021.
      2. California Department of Insurance, “Home Protection Company.” Accessed November 16, 2021.

      Not sure how to choose?

      Get buying tips about Home Warranties in California delivered to your inbox.

        By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

        Thank you, you have successfully subscribed to our newsletter!

        Compare Top California Home Warranty Companies

        by Taylor Sansano Contributing Writer

        Taylor Sansano has been writing for ConsumerAffairs since 2018. She’s contributed to consumer resources, local guides and company profiles on a wide variety of topics, helping consumers make smart purchasing decisions at multiple stages of life. She holds a bachelor’s degree in journalism and a master’s degree in liberal arts.

        Comparing

        ×