5 Best Home Warranty Companies in California (2022)

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The best home warranty companies in California protect the appliances and systems you use every day. See which company has the best warranty plan for you. | Photo Credit: Adobe Stock

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.

Homeowners and property owners living in California can benefit from purchasing a home warranty for the appliances and systems that may require repair or replacement. 

Our team evaluated several of the top-rated home warranty companies, including their plans, customer service ratings and pricing. We’ve gathered information on the best home warranty companies in California, so you can compare quotes and coverage and select the right one for your home and budget. 

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In This Article:


Best Overall in California: American Home Shield 

Quick Take

American Home Shield provides protection for what homeowner’s insurance doesn’t cover, like breakdowns caused by regular use of appliances and systems. The company was founded in 1971 and features a network of over 15,000 contractors. It’s one of the oldest home warranty companies in the U.S. and services 49 states, excluding Alaska.

Pros & Cons

✓ Coverage for items with undetectable pre-existing conditions
✓ Discounts available for referrals, additional properties and retail products
✓ Industry founder with nearly 50 years of experience
✘ Some coverage limitations on items like air conditioning systems
✘ 30-day waiting period until coverage begins

Plans & Coverage

AHS offers three plans. ShieldSilver covers home systems, while ShieldGold covers both home systems and appliances. ShieldPlatinum covers the same items covered under the ShieldGold plan, but it also covers roof leak repairs and has a $6,000 coverage limit on appliances.

Optional add-on coverage includes protection for your pool and spa, guest unit, well pump, septic pump and electronics.

CoverageShieldSilverShieldGoldShieldPlatinum
Roof leak repairs  
Air conditioner
Heating unit
Ductwork
Built-in exhaust, vent and attic fans
Main breaker and fuse panel box
Doorbells and chimes
Interior electrical lines
Ceiling fans
Garage door openers
Interior plumbing lines
Toilets
Faucets and valves
Whirlpool tub motor and components
Water heater
Refrigerator 
Range/Cooktop 
Oven 
Dishwasher 
Built-in microwave oven 
Garbage disposal 
Instant hot/cold water dispenser 
Clothes washer 
Clothes dryer 

Cost

American Home Shield has a service fee cost of $75 to $125 per visit. If you choose to pay a higher service call fee, you will pay a lower monthly rate for your warranty plan. Here is a breakdown of plan offering prices per month:

Plan$75 Service Fee$100 Service Fee$125 Service Fee
ShieldSilver$39.99$29.99$24.99
ShieldGold$49.99$39.99$34.99
ShieldPlatinum$64.99$54.99$49.99

Get a Free Quote

You can get a free quote from American Home Shield by filling out this simple online form or by calling 844-529-9298.


Best for Aging Homes: Choice Home Warranty

Quick Take

Choice Home Warranty is an affordable option for homeowners with aging homes. While some of its competitors may prorate or exclude items from coverage based on their age, Choice Home Warranty does not. Choice also offers a personalized customer experience by assigning a small team of representatives to monitor each account. It’s also a great option for homeowners who don’t want to choose between coverage for built-in systems and appliances.

Pros & Cons

✓ All accounts are monitored by a small team of representatives to monitor accounts, streamline communication and promptly address concerns
✓ Basic Plan is a combo plan
✓ Both plans are priced less than $55 a month
✘ Service call fee of $85 is higher than some of its competitors
✘ Basic Plan does not cover air conditioning, refrigerators or laundry appliances

Plans & Coverage

Choice Home Warranty offers two plan options: The Basic Plan and the Total Plan. Each item is covered up to $3,000 with either plan. You can elect add-on coverage for your pool/spa, limited roof leak, additional spa, stand-alone freezer, central vacuum, second refrigerator, well pump, septic system, sump pump and septic tank pumping. 

CoverageBasic PlanTotal Plan
Air conditioning system
Heating system
Electrical system
Plumbing system
Plumbing stoppage
Water heater
Whirlpool bathtub
Refrigerator
Oven/range/stove
Dishwasher
Built-in microwave
Garbage disposal
Clothes washer
Clothes dryer
Ductwork
Garage door opener
Ceiling and exhaust fans

Cost

Choice Home Warranty charges a service call fee of $85 each time you file a claim. According to our quote, you can expect to pay between $46.83 and $54.75, depending on your plan selection. 

PlanMonthly Cost
Basic Plan$46.83
Total Plan$54.75

Get a Free Quote

You can get a free quote from Choice Home Warranty by filling out this quick form or by calling 929-400-6165.


Best for Unique Coverage: Liberty Home Guard

Quick Take

Liberty Home Guard stands out for its unique coverage options. Like many of its competitors, it covers plans for built-in systems, appliances and a combination of the two, but it also offers a long list of add-on options for unique items such as your reverse osmosis system, saltwater pool and floor cleaning.

Pros & Cons

✓ 37 add-on options, which extends coverage to items such as pro-series appliances, swamp coolers and more
✓ Live-chat customer service feature allows customers to communicate with convenience
✓ 60-day workmanship guarantee is double the standard 30-day workmanship guarantee offered by competitors
✘ Plans are priced higher than some of its competitors
✘ No option to choose your own service call fee

Plans & Coverage

Liberty Home Guard offers three plans: Appliance Guard, Systems Guard and Total Home Guard. As the name suggests, Appliance Guard covers appliances while Systems Guard covers built-in systems. Total Home Guard combines the two plans into one comprehensive package. 

CoverageAppliance GuardSystems GuardTotal Home Guard
Clothes washer
Clothes dryer
Refrigerator
Built-in microwave ovens
Dishwashers
Garbage disposals
Ranges/ovens/cooktops
Ceiling and exhaust fans
Air conditioning
Heating
Ductwork
Electrical
Water heaters

Cost

Liberty Home Guard assigns a service call fee to your account based on your add-on options, the location of your home and the plan you select. The quote process isn’t very transparent about your assigned service call fee, but we were informed that it will always fall between $65 and $125.

PlanMonthly Cost
Appliance Guard$64.99
Systems Guard$69.99
Total Home Guard$74.99

Get a Free Quote

You can get a free quote from Liberty Home Guard by using this simple online tool or by calling 866-452-9107.


Best for Value Shoppers: Select Home Warranty

Quick Take

Select Home Warranty has three home warranty coverage plans, with Platinum Care being the most popular amongst customers. Select is based in New Jersey and serves 46 states, excluding Nevada, New York, Washington and Wisconsin.

Pros & Cons

✓ Low coverage costs for add-ons like pumps or lawn sprinklers
✓ Systems or appliances-only plan options plus comprehensive option
✓ Low prices
✘ Doesn’t cover some items like doorbells or smoke detectors
✘ Must see sample contract for full list of add-ons

Plans & Coverage

Select offers three plans. The Bronze Care plan covers appliances, the Gold Care plan covers systems, and the Platinum Care plan covers both home systems and appliances. 

Select also covers eight add-ons: Central vacuum, lawn sprinkler system, pool, spa, septic system, stand-alone freezer, sump pump, well pump

PlanBronze CareGold CarePlatinum Care
Monthly Cost$41$41$47
Clothes Washer
Clothes Dryer
Garbage Disposal
Refrigerator
Stove/Oven/Cooktop
Dishwasher
Built-In Microwave – 
Air Conditioning
Heating
Plumbing
Electrical
Water Heater
Ductwork
Garage Door Opener
Ceiling Fan

Cost

Select’s low monthly plan prices and $75 service call fee are helpful in keeping plans affordable. Here’s how much each plan costs per month:

PlanCost
Bronze Care$41.00
Gold Care$41.00
Platinum Care$47.00

Get a Free Quote

To get a free quote from Select Home Warranty, call 888-370-3956 or fill out this online form.


Most Comprehensive Claim Coverage: First American Home Warranty

Quick Take

First American Home Warranty is a no-frills home warranty company in California with two warranty plans for customers to choose from. This reputable company has been in the home warranty industry since 1984 and offers reasonable prices and around-the-clock customer service, stellar HVAC coverage and protection for improperly installed or maintained items. It is available in 35 states (Not including AK, CT, DE, HU, IL, LA, ME, MA, MN, NH, NY, ND, RI, VT, WI). 

Pros & Cons

✓ Doesn’t have a coverage cap for cooling, heating or ductwork
✓ 24/7 service calls
✓ Highly customizable coverage
✘ Can’t choose technicians — must use technicians referred by company
✘ Requires 30 day waiting period before servicing starts

Plans & Coverage

First American Home Warranty offers two plans: the Basic Plan and the Premier Plan. The Basic Plan covers appliances, while the Premier Plan covers major home systems and everything in the Basic Plan. However, it doesn’t cover central air conditioning. 

First American also offers several add-on options: Pool, spa, well pump and central air conditioning. Its air conditioning add-on is particularly impressive — there are no limits on coverage unless your unit comes with a water heater.

PlanBasic PlanPremier Plan
Monthly Cost
Garbage Disposal
Dishwasher
Oven/Range/Cooktop
Microwave
Trash Compactor
Refrigerator
Oven/Range/Cooktop
Washer and Dryer
Plumbing and Stoppages
 Water Heater
 Heating
Ductwork 
 Electrical
 Garage Door Opener
 Central Vacuum

Cost

First American Home Warranty offers its Basic Plan for $37.00 per month and its Premier Plan for $49.50 per month. Both plans come standard with a $75 trade service call fee.

PlanMonthly CostAnnual Cost
Basic Plan$37.00$444.00
Premier Plan$49.50$594.00

Get a Free Quote

You can get a free quote from First American Home Warranty by calling 800-891-9778 or filling out this simple online form.


Our Verdict

There are several reputable home warranty providers available to California residents, and every homeowner will have different priorities when shopping for a home warranty. This article is meant to be a helpful guide, and we recommend receiving instant quotes from each company using your own address for the most accurate pricing information.

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FAQ: California Home Warranty Companies

Which company has the best home warranty in California? 

The best home warranty company in California depends on the type of coverage you need and the systems and appliances you own and use every day. Cost and customer service are also important factors. 

Are home warranty plans worth it? 

Home warranty plans can save you time and money, plus you won’t have to find a licensed and insured technician since most companies provide recommendations. Being able to repair or replace your appliances and systems for a low monthly rate is worthwhile.

Are there any reputable home warranty companies in California? 

The companies reviewed above are reputable and used throughout the country. To determine if a company is reputable, read its customer ratings and search for it on the BBB. You can also get a sense of customer service when you call and get a quote, as well as if it’s easy to find coverage and prices online.

Which is better: Choice Home Warranty or American Home Shield? 

Choice Home Warranty and American Home Shield each have their own advantages. However, Choice Home Warranty plans are not available in California.


Other Great Resources


Home Warranty Rating Methodology

To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:

  • Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
  • Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
  • Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
  • State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
  • Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.

To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.


Further Reading:

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