Best Home Warranties in Los Angeles, CA

To select a home warranty in Los Angeles, start by thinking about your home’s age, your most at-risk systems and appliances and your budget. Compare plan options, sample contracts and reviews from people in your area. Use the following steps to make your decision with confidence.

1. Decide what coverage you need

Consider if you want appliance protection, coverage for home systems or a combination plan. Combination plans can give you the highest payout limits and the broadest protection.

For Los Angeles homeowners, particularly those in older properties, comprehensive plumbing and electrical coverage is key. This includes pipes, stoppages and main panels. Good appliance coverage is also vital.

In coastal areas like Santa Monica or Venice, salt air can wear down appliances faster, so appliance coverage may pay off more quickly. If you're in the Valley (like Woodland Hills or Northridge), summers are hotter, making air conditioning coverage a must-have.

2. Compare costs

Don’t just look at the monthly premium — check service call fees and coverage caps. In LA, where repair labor is costly, picking a plan with a low service fee (ideally $75 or less) can help you save on every claim. If you expect to file more than one claim a year, factor those fees into your total annual cost.

It’s also smart to consider add-on prices for extras like pool coverage or second refrigerator protection, since these can impact your yearly total. Be sure to ask lots of questions about your coverage and any promotions that may save you more.

Los Angeles resident Paul made sure to do his research before signing up with Regency. He said the agent “gave a very thorough explanation of all of our options and all discounts as well as service fees and coverage to help us make an intelligent decision.” In the end, he was happy with the result, saying, “The price over six years seems to be very competitive.”

3. Review sample contracts

Always check the sample contract before you buy. Pay attention to exclusions — especially for older plumbing. In Los Angeles, many homes still use galvanized or cast iron piping, especially in areas built before the 1970s. Double-check that your contract doesn’t exclude coverage for these materials.

Also, read any notes about seismic activity. While earthquake retrofits aren’t covered, most normal wear and tear is. However, it’s worth clarifying what types of damage from ground movement are considered “wear and tear” versus excluded seismic damage.

4. Read customer reviews

Reading reviews from LA residents is crucial, especially since technician quality and response times can vary by neighborhood. Look for patterns in how quickly claims are handled and whether contractors are professional and reliable. Reviews can reveal if a company has reliable coverage in your area.

Positive experiences often mention prompt service and smooth claims, while negative ones may note longer wait times or denied claims.

Regency customer Tina said of her claims experience, “I had previously scheduled an appointment for the contractor to come out on Monday and did not anticipate them to fix the problem at the same time, but they did, and my air conditioner was fixed that day.”

» MORE: Tips for choosing a home warranty

The average annual cost of a home warranty is $684 as of June 2025. A Los Angeles home warranty costs between $360 and $1,080 per year, based on plans from our top picks. Just remember that your cost mostly depends on the coverage you choose and what add-on options you select.

Cost range by home warranty provider

Monthly or annual premiums

Most home warranty companies let you choose between monthly and annual payments. Paying annually usually comes with a discount, while monthly payments can help you budget.

Service call fees

Each claim you make will come with a service call fee — typically between $75 and $150 — which covers the technician’s visit and diagnosis. Choosing a lower service call fee can help you make the most of your warranty and add up to bigger savings if you expect to use your plan more than once a year.

Add-on coverage

Many providers let you tailor your plan with add-ons for features, and you can expect to pay an extra $2 to $25 monthly per add-on, depending on what you need.

Pools and spas are common in neighborhoods like Sherman Oaks or Beverly Hills, so pool equipment coverage is a popular add-on. Similarly, coverage for guest units (ADUs) is useful if you rent out a backhouse or converted garage — a growing trend across LA.

Other home warranty cost factors

Home warranty prices can shift based on several factors:

• Home size and type: Larger homes or properties with more systems often cost more to cover.
• Level of coverage: Lower-cost plans cover fewer items, while combination coverage is pricier but more robust.
• Location: The extremely high cost of licensed labor for plumbers and electricians in the Los Angeles market is a primary driver of home warranty premiums. Prices reflect the expense of dispatching qualified technicians in the region.
• Discounts: Watch for special offers — annual payments, multiple properties or loyalty discounts can reduce your rate.

Example: total annual home warranty costs

• Comprehensive coverage ($65 per month): $780 per year
• Add-on for pool coverage ($15 per month): $180 per year
• Add-on for roof leak repair ($10 per month): $120 per year
• Three claims ($100 service fee): $300
• Total: $1,380 per year

Home warranty plans in Los Angeles fall into three main categories: appliance plans, system plans, and combination plans.

• Appliance plans cover items like your refrigerator, oven and washer.
• Systems plans focus on essentials such as plumbing, electrical, HVAC and water heaters.
• Combination plans are the most robust, protecting both systems and appliances for a higher premium.

Most companies offer optional add-ons to cover extras that matter in Los Angeles, such as pools, spas or septic systems. Review the list of add-ons so you only pay for what you need.

» MORE: Denied home warranty claims

What you save with a home warranty comes down to the repairs or replacements you need during your term. Just one major covered repair — like a broken AC or failed water heater — can offset your plan costs for the year.

The Consumer Financial Protection Bureau recommends saving 1% to 3% of your home’s value annually for repairs, which is often much more than you’d pay for a warranty and some service call fees. Avoiding just one costly repair could mean hundreds or thousands in savings.

Average repair/replacement costs for covered items

In a city like Los Angeles, where warm summers mean heavy HVAC use and hard water takes a toll on older plumbing systems and water heaters, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in Los Angeles without a home warranty: