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Best Home Warranty Companies In california 2024

California’s diverse climate and high cost of living require homeowners to be mindful of expenses. Appliances and systems generally malfunction in the state due to challenging climatic conditions, making home warranties essential to mitigate unforeseen expenses. This comprehensive guide explores the best home warranty companies in California for 2024, offering detailed evaluations of coverage options, pricing, and regulatory considerations.

Our Picks: 5 Best Home Warranty Companies For california Residents

Here are the top 5 home warranty companies in California. They offer comprehensive coverage, competitive pricing, and valuable perks to meet homeowners' needs.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $99

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Comprehensive coverage for home systems and appliances
  • Large network of contractors
  • Affordable monthly premiums

Cons

  • Provides limited coverage flexibility, only offering five additional coverage options

Plans, Cost & Coverage

American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum, each designed to meet varying coverage needs and budgets. Below, you’ll find details on costs and plan features.

 

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$19.99

$39.99

$69.99

Cost at $100 Service Call Fee

$29.99

$49.99

$79.99

ShieldSilver

  • Basic coverage for essential home systems and appliances
  • Affordable starting price of $19.99 per month
  • Ideal for fundamental protection

ShieldGold

  • Enhanced coverage, including additional items such as refrigerators, dishwashers & more
  • Moderate pricing starting at $39.99 per month
  • Comprehensive protection for essential and additional systems

ShieldPlatinum

  • Premium plan with the highest level of coverage
  • Covers all items in ShieldSilver and ShieldGold, plus roof leak repair
  • Ideal for the complete protection of major home systems and appliances

Why We Picked It?

American Home Shield is a top choice for its comprehensive coverage of essential home systems and appliances, offering flexibility with a range of plans to suit various needs and budgets. With a trusted reputation and a vast network of qualified contractors, it provides peace of mind against unexpected repair costs.

Best For Affordable Coverage
3.8 | threehalf_star Excellent
$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

  • Lower service call fee or deductible
  • Comprehensive coverage
  • Fast service with a large contractor network

Cons

  • Lower dollar limits for appliances

Plans, Cost & Coverage

Select Home Warranty provides three home warranty plans: Bronze, Gold, and Platinum Care. Each plan’s cost and coverage options suit different needs and budgets.

 

Bronze Care

Gold Care

Platinum Care

Cost

$45.67

$45.67

$50.25

Bronze Plan

  • Basic coverage for 8 essential home appliances
  • Ideal for fundamental protection

Gold Plan

  • Provides coverage for seven essential home systems at $45.67
  • Comprehensive protection for a wider range of systems such as plumbing, electrical, heating & more

Platinum Care Plan

  • Premium coverage, including all items from Bronze and Gold, plus more
  • Covers 18 home systems & appliances for $50.25
  • Offers complete coverage for major home systems and appliances

Why We Picked It?

Select Home Warranty stands out for its comprehensive coverage of essential home systems and appliances. The flexibility of choosing from multiple plans ensures homeowners can find the right level of coverage to suit their needs and budget, making it a top choice for managing home maintenance expenses.

Best For Comprehensive Plans
3.7 | threehalf_star Excellent
1st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Comprehensive coverage for home systems and appliances
  • Quick and efficient service for repairs
  • Large network of qualified contractors

Cons

  • Some limitations on coverage for certain items

Plans, Cost & Coverage

Choice Home Warranty offers Total and Basic plans, and the cost of these plans are mentioned below:

 

Basic Plan

Total Plan

Cost/ Month

$46.83

$54.75

Cost/ Annually

$532.00

$627.00

Basic Plan

  • Essential coverage for fundamental home systems and appliances
  • Lower premiums for budget-friendly protection
  • Suitable for basic protection of essential items

Total Plan

  • Comprehensive coverage for a wide range of systems and appliances
  • Higher premiums for extensive protection
  • Ideal for complete coverage against unexpected repair costs

Why We Picked It?

Choice Home Warranty stands out for its comprehensive coverage of essential home systems and appliances. It offers affordability and flexibility through competitive pricing and multiple plan options, making it an appealing choice for homeowners seeking cost-effective solutions and tailored protection against unexpected repair costs.

4.7 | fourhalf_star Excellent

Monthly Cost

$51 - $62

Service Fee

$65 - $125

Response Time

24 to 48 hours

Pros & Cons

Pros

  • Wide range of coverage options for home systems and appliances
  • Quick response times and efficient customer service
  • Transparent pricing with no hidden fees

Cons

  • Limited coverage in certain regions

Plans, Cost & Coverage

The Home Service Club offers two options: the Standard plan, which provides basic coverage for essential home systems and appliances at lower costs, and the Comprehensive Plan, which offers extensive protection encompassing a wider range of items for a higher premium.

 

Standard Coverage Plan

Comprehensive Coverage Plan

Cost/Month

$51.25

$62.50

Cost/Annually

$584.96

$719.96

Standard Coverage Plan

  • Basic coverage for 16 essential home systems and appliances
  • Coverage includes common items like HVAC, plumbing, electrical, and major kitchen appliances

Comprehensive Coverage Plan

  • Extensive coverage for a wide range of home systems and appliances
  • Higher costs but offers comprehensive protection
  • Coverage includes everything in the Standard Plan plus 12 additional items like garage door openers and ceiling fans

Why We Picked It?

The Home Service Club presents a strong option for homeowners seeking comprehensive coverage, competitive pricing, a focus on responsiveness, and a reliable company to back their home warranty needs.

Best For Add-ons
4.7 | fourhalf_star Excellent

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Diverse coverage options for home systems and appliances
  • Prompt response times and efficient customer service
  • Offers workmanship guarantee of 60 days

Cons

  • Premiums and deductibles may be higher compared to other home warranty providers

Plans, Cost & Coverage

Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Home Guard. Each is tailored to meet various needs by providing customized coverage for essential home systems and appliances.

 

Appliance Guard

Systems Guard

Total Home Guard

Under 5,000 sq. ft.

$59.99

$64.99

$69.99

Over 5,000 sq. ft.

$75.99

$81.99

$87.99

Appliance Guard

  • Tailored coverage for kitchen and laundry appliances
  • Offers coverage for nine essential items like refrigerators and dishwashers

Systems Guard

  • Focuses on essential home systems like HVAC and plumbing
  • Prioritizes protection for critical systems

Total Home Guard

  • Comprehensive coverage for both systems and appliances
  • Covers 15 essential home items for $69.99/month
  • Guards against unexpected repair expenses

Why We Picked It?

Liberty Home Guard is known for its comprehensive coverage options that fit homeowners’ needs and budgets. Its reputation for prompt service and efficient customer support provides peace of mind. The tailored plans offer flexibility and reliability in safeguarding our home’s essential systems and appliances.

Are Home Warranty Plans Beneficial For California Homeowners?

California's diverse weather conditions, ranging from coastal fog to hot inland temperatures and the occasional threat of earthquakes, add another layer of importance to having a home warranty plan. Here's how:

  • Home warranty plans cover repairs or replacements of home systems and appliances damaged by normal wear and tear.
  • It ensures that HVAC systems are repaired or replaced, maintaining indoor comfort during extreme temperatures.
  • Some home warranty plans may also offer coverage for compliance with California-specific regulations, such as energy efficiency standards or local building codes.
  • It provides financial protection by covering the repair or replacement costs of major home systems and appliances, saving homeowners from unexpected expenses.
  • They provide access to a network of qualified service providers, ensuring prompt assistance during emergencies.

How Much Does A California Home Warranty Cost?

The cost of a home warranty in California can vary based on several factors:

Average Annual Cost

$300 and $600

Average Monthly Cost

$29 and $99

Average Service Fee (Deductible)

$75 to $125

California, the land of sunshine and diverse landscapes, also presents unique considerations for homeowners when protecting their properties. Home warranties offer valuable protection for essential systems and appliances, but the cost can vary depending on several key factors specific to the Golden State:

  • Comprehensive Coverage: Californians seeking extensive protection beyond essential systems and appliances, like pool and spa equipment or well pump coverage, can expect to pay higher premiums.
  • Tailored Protection: Remember, California's diverse regions might have different needs. Coastal areas prioritize coverage for plumbing for flood protection, while desert regions value extended AC coverage. Consider customizing your plan to your specific location and potential risks.
  • Sprawling abodes: Larger homes in California naturally have more systems and appliances to cover, potentially leading to higher warranty costs.
  • Seasoned Structures: Older homes, prevalent in certain areas of California, might be more likely to require repairs, influencing the warranty cost due to potentially greater perceived risk for the provider.
  • Beyond The Basics: Adding optional coverages like roof leak protection or septic system coverage can increase the overall cost but provide solutions for specific concerns. Carefully evaluate your needs and weigh the costs and benefits before selecting add-ons.

These factors can influence the overall cost of the home warranty plan, making it essential for homeowners to consider their specific needs and budget when selecting a plan.

Home Warranty Coverage In California

In California, where homes face diverse weather conditions and potential natural disasters, reliable home warranty coverage becomes increasingly crucial. However, it’s essential to understand both the typical inclusions and exclusions of these plans:

General Coverage Of California Home Warranty

  • Heating & Air Conditioning (HVAC)Crucial for California’s diverse climate, this covers repairs for your air conditioner, furnace, heat pump, and ductwork, ensuring year-round comfort.
  • PlumbingSafeguards against leaks, clogs, and malfunctions in pipes, faucets, toilets, and other plumbing fixtures protect your home from potential water damage. This is especially important during heavy rain seasons or after earthquakes.
  • ElectricalThis coverage ensures the safety and functionality of your electrical system by covering repairs for wiring, outlets, switches, and breaker panels, which are crucial for earthquake safety considerations.
  • Essential Kitchen AppliancesKitchen coverage protects against unexpected breakdowns of essential appliances like refrigerators, ovens, cooktops, dishwashers, and garbage disposals, preventing disruptions to your daily routine.
  • Laundry AppliancesWashing machines and dryers are commonly covered, ensuring your laundry routine runs smoothly, even if your appliances encounter issues.

Common Exclusions

  • Pre-existing ConditionsRepairs or replacements for issues before the home warranty coverage begins are often excluded.
  • Improper MaintenanceDamage caused by improper maintenance or neglect of home systems and appliances may not be covered.
  • Cosmetic DamageMinor cosmetic issues, such as scratches or dents, are usually excluded from coverage.
  • Acts of NatureDamage caused by natural disasters like earthquakes, floods, or wildfires may not be covered under standard home warranty plans.
  • Accessory ItemsCertain accessory items or components, such as knobs, handles, or removable racks, may be excluded from coverage.
  • Items Covered by Other WarrantiesItems already covered by manufacturer warranties or extended warranties may not be eligible for coverage under a home warranty plan.

Here Are Some Additional Points To Consider

  • Coverage LimitsHome warranty plans often have coverage limits, which vary depending on the item or system. Understanding these limits is essential to ensuring adequate protection for California homes.
  • Contract Length and Renewal TermsReview the contract length and renewal terms to determine how long your coverage will last and whether there are any automatic renewal clauses.
  • Claims ProcessFamiliarize yourself with the claims process, including how to file a claim, response times, and any requirements for documentation or inspections.
  • Customer Service and ReputationResearch the home warranty company’s reputation and customer service, including reviews from other homeowners and any complaints filed with regulatory agencies.
  • Cancellation PoliciesUnderstand the cancellation policy terms, including any fees or penalties for early termination of the contract.
  • Service Call FeesMost home warranty plans require homeowners to pay a service call fee or deductible each time a service technician is dispatched. Be aware of the amount of this fee and how it impacts the overall cost of repairs.

Who Regulates Home Warranty Companies In California?

In California, home warranty companies are regulated by the California Department of Insurance (CDI). The CDI oversees the licensing, conduct, and financial stability of home warranty companies operating within the state to ensure they comply with applicable laws and regulations. Homeowners can contact the CDI for assistance with inquiries or complaints or to verify the licensing status of a home warranty company.

In addition to the California Department of Insurance (CDI), other agencies may also be involved in regulating home warranty companies in California:

Final Word

When selecting a home warranty company in California, prioritize comprehensive coverage, transparent pricing, and excellent customer reviews. Compare options and consider factors such as service quality and response time. Choosing wisely allows you to safeguard your home and enjoy peace of mind knowing unexpected repair costs are covered.

Frequently Asked Questions (FAQs)

How Do I Choose The Best Home Warranty Company In California?

A.

Consider coverage options, pricing, customer reviews, and regulatory compliance. Compare multiple providers to find one that offers the right balance of coverage and affordability for your needs.

Do Home Warranty Companies In California Cover Pre-Existing Conditions?

A.

Most home warranty companies do not cover pre-existing conditions, issues that existed before the start of the coverage period. Reviewing the terms of your contract to understand coverage limitations is essential.

How Can I Verify The Legitimacy Of A Home Warranty Company In California?

A.

Check if the company is licensed by the California Department of Insurance (CDI) and look for customer reviews and ratings. You can also contact the CDI to verify the company’s licensing status.

Are There Any Additional Costs Associated With Home Warranty Plans?

A.

In addition to the premium, homeowners may be responsible for service fees or deductibles each time a repair is needed. It’s important to understand these costs upfront and factor them into your budget.

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