We maintain complete transparency with the readers on our website. The company rankings on our site are independent of any marketing relationships that we may hold with a home warranty company. We may receive compensation for receiving quotes or placing advertisements. However, this does not affect a company's rankings. Companies are ranked solely on the basis of consumer reviews and ratings received from home warranty users.
*The lead information obtained will be sent to the respective companies as selected by the readers. However, the lead will be shared with a similar company if the selected company either doesn't participate in Leads Program or doesn't respond.
We maintain complete transparency with the readers on our website. The company rankings on our site are independent of any marketing relationships that we may hold with a home warranty company. We may receive compensation for receiving quotes or placing advertisements. However, this does not affect a company's rankings. Companies are ranked solely on the basis of consumer reviews and ratings received from home warranty users.
*The lead information obtained will be sent to the respective companies as selected by the readers. However, the lead will be shared with a similar company if the selected company either doesn't participate in Leads Program or doesn't respond.
California is known for its diverse climate, with harsh winters and tropical storms in some regions. It is not only the weather but also the cost of living, which is 39% higher than the national average. It becomes challenging for California homeowners to run their properties efficiently.
Given these challenges, homeowners must proactively protect their properties and finances. One such measure is investing in a home warranty, which covers unexpected repairs or replacements of appliances and systems. With a home warranty, you can rest assured that your home is protected from the unpredictable weather conditions and costly repairs that come with homeownership.
Therefore, to help homeowners make this necessary investment confidently, we’ve researched and identified the best home warranty companies in California.
Our review is designed to provide detailed information on the top-rated companies’ comprehensive coverage plans, reliable customer service, and efficient claims processes.
$150 off + Free roof coverage + 2 months free
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1st month free + Free roof coverage
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Disclaimer: We facilitate quotes from reputable home warranty providers and may earn a commission, but that does not influence our evaluation process to produce unbiased reviews.
The table comprehensively compares California's leading home warranty companies. Evaluate them on criteria like plans, cost, coverage, claim filing, customer service, workmanship, and reviews.
This section provides a detailed review of the best-rated home warranty companies in California listed above.
(Best For Affordable Premium)
Select Home Warranty, established in 2012, is among the popular brand names in California. The company is known for its comprehensive coverage and a commendable network of contractors. Their plans encompass a broad range of coverage, including systems, appliances, and a combination.
Furthermore, each plan comes with roof coverage and multiple add-on options. Given the range of coverage and consistent discounts, Select Home Warranty makes its premium affordable.
Pros
Cons
Select Home Warranty offers three comprehensive plans to cater to homeowners’ different needs and budgets. These plans include Bronze Care, Gold Care, and Platinum Care.
The Bronze Care plan covers eight essential home appliances, such as a clothes washer, dishwasher, oven, and more.
On the other hand, the Gold Care plan covers six essential home systems, including heating, electrical, and plumbing.
The Platinum Care plan is the most comprehensive, covering a combination of 17 items. In addition to these items in Bronze and Gold, the plan offers coverage for plumbing stoppages, ceiling fans, and garage door openers.
Plans |
Covered Items |
Budget Range |
Suitable For |
HVAC System limit |
Appliances, Plumbing & Electrical (non-heating or cooling) Coverage Limit |
Bronze Care |
8 | Low-Cost | Homeowners looking for basic protection for their appliances | $3000 | $500 |
Gold Care |
6 |
Low-Cost | Homeowners who want to protect only the essential home systems | $3000 | $500 |
Platinum Care |
17 | Moderately Expensive | Homeowners seeking extensive coverage | $3000 | $ 500 |
Let us take a comprehensive look at the plans of Select:
Items |
Bronze Care |
Gold Care |
Platinum Care |
Cooktop | ✓ | ✓ | |
Clothes Washer | ✓ | ✓ | |
Clothes Dryer | ✓ | ✓ | |
Dishwasher | ✓ | ✓ | |
Built-in Microwave Oven | ✓ | ✓ | |
Refrigerator | ✓ | ✓ | |
Garbage Disposal | ✓ | ✓ | |
Stove/Oven | ✓ | ✓ | |
AC/Cooling | ✓ | ✓ | |
Heating System | ✓ | ✓ | |
Water Heater | ✓ | ✓ | |
Electrical System | ✓ | ✓ | |
Ductwork | ✓ | ✓ | |
Plumbing System | ✓ | ✓ | |
Garage Door Opener | ✓ | ||
Ceiling Fans | ✓ | ||
Plumbing Stoppages | ✓ |
You can extend your coverage by adding the following items;
Here are some of the exclusions from their coverage:
Select Home Warranty (SHW) offers three different plans: Bronze Care, Gold Care, and Platinum Care, each with varying levels of coverage and costs.
The Bronze Care and Gold Care plans are the more affordable options, with a monthly cost of $45.67, which translates to $548 annually in California. On the other hand, the Platinum Care plan is the most comprehensive package offered by SHW, and as such, it has a slightly higher cost of around $50.25 per month or approximately $603 annually.
The deductibles for these plans are typically between $60 and $75. This means homeowners will be responsible for paying this amount every time a service call is made.
Plans |
Bronze Care |
Gold Care |
Platinum Care |
Monthly |
$45.67 |
$45.67 |
$50.25 |
Yearly |
$548 |
$548 |
$603 |
* If the homeowners pay the premium annually, then they can enjoy two months of free coverage on a yearly plan, along with a $150 discount.
Select Home Warranty offers three plans for customers. One each for appliance and systems protection and one comprehensive plan covering both. This flexibility allows homeowners to select a plan that aligns with their priorities.
Starting at $45.67 per month, the company aligns with the industry average. Enhancing its already competitive plans, Select Home Warranty includes free roof leak coverage, a feature that sets it apart from companies that treat it as a paid add-on. Considering the company receives a star rating of 4/5.
Homeowners prefer a flat rate for service calls because it allows them to budget their monthly premiums easily. However, with Select Home Warranty, this is not the case. While the exact service call fee is not explicitly stated, it is estimated to be around $65 to $75, which sometimes can be unpredictable for homeowners.
While some customers commend the company for its friendly service and knowledgeable technicians, others have experienced longer wait times when reaching out for claims approval. Therefore, Customers have given an overall rating of 3.5/5 on our website.
(Best For Claims Settlement)
American Home Shield, a market pioneer, has provided home warranty services since 1971. The company offers coverage for old appliances, regardless of age or maintenance records. This is a significant benefit for homeowners with older appliances prone to breakdowns.
Additionally, AHS has paid more than $2 billion in claims over the past five years, which is unmatched in the industry. With over 17,000 contractors across 48 states, the company is a popular choice for California homeowners.
Pros
Cons
American Home Shield (AHS) offers three different plans to homeowners in California: ShieldSilver, ShieldGold, and ShieldPlatinum, each with varying levels of coverage.
The ShieldSilver is AHS’s basic plan covering 14 essential home systems. It includes air conditioning, heating, electrical, plumbing, water heaters, ductwork, garage door openers, and ceiling & exhaust fans.
The ShieldGold plan offers coverage for 23 essential home systems and appliances. In addition to the items covered under Shield Silver, this plan covers appliances like stoves/ovens, cooktops, garbage disposals, built-in microwaves, etc.
The ShieldPlatinum is a comprehensive plan that includes coverage from both Silver and Gold plans. It also includes premium features like roof leak repair and a free annual HVAC tune-up.
Plans |
Covered Items |
Budget Range |
Suitable For |
Appliance Limit |
HVAC Systems Limit |
Roof Leak Repair Limit |
AC Refrigerant Limit |
Shield Silver |
14 | Low-Cost | It is designed for homeowners needing basic coverage for their essential home systems. | Not Covered | $ 5000 | Add-on | $10/ lb covered (included in $5000 HVAC limit) |
Shield Gold |
23 | Moderately Expensive | Shield Gold can be a choice for homeowners who want an extended level of coverage, including some more home systems and appliances | $2,000 | $5000 | Add-on | $10/ lb covered (included in $5000 HVAC limit) |
Shield Platinum |
23 + roof leak repair+Free HVAC Tune-up +Coverage for code violations + permits and modifications | Premium | Shield Platinum provides coverage for a wide range of home systems and appliances, making it the most comprehensive plan offered by AHS. | $4,000 | $5000 | $1000 | Unlimited |
Let us have a detailed list of systems and appliances covered by American Home Shield Plans:
Items |
ShieldSilver |
ShieldGold |
ShieldPlatinum |
Refrigerator | ✓ | ✓ | |
Garage Door Opener | ✓ | ✓ | ✓ |
Water Heater | ✓ | ✓ | ✓ |
Wall Oven/Range/ Cooktop | ✓ | ✓ | |
Air Conditioner | ✓ | ✓ | ✓ |
Doorbell & Chimes | ✓ | ✓ | ✓ |
Interior Electrical Lines | ✓ | ✓ | ✓ |
Faucets & Valves | ✓ | ✓ | ✓ |
Interior Plumbing Lines | ✓ | ✓ | ✓ |
Whirlpool Tub Motor & Components | ✓ | ✓ | ✓ |
Main Breaker & Fuse Panel Box | ✓ | ✓ | ✓ |
Built-In Exhaust, Vent & Attic Fans | ✓ | ✓ | ✓ |
Heating Unit | ✓ | ✓ | ✓ |
Washers | ✓ | ✓ | ✓ |
Dryers | ✓ | ✓ | |
Dishwasher | ✓ | ✓ | |
Built-In Microwave Oven | ✓ | ✓ | |
Ceiling Fans | ✓ | ✓ | ✓ |
Garbage Disposal | ✓ | ✓ | |
Ductwork | ✓ | ✓ | |
Toilet | ✓ | ✓ | ✓ |
Instant Hot/Cold Water Dispenser | ✓ | ✓ | |
Shingles, Tiles, And Shakes | ✓ | ||
Flat (Non-Metal) Roofing | ✓ | ||
Flashing | ✓ | ||
Underlayment | ✓ | ||
HVAC Tune-Up | ✓ | ||
Unlimited A/C Refrigerant | ✓ | ||
Coverage For Code Violations And Permits | ✓ | ||
Roof Leak Repairs | ✓ |
American Home Shield (AHS) allows homeowners in California to customize their home warranty coverage by offering several optional add-ons. Some of the optional add-ons offered by AHS include
According to the AHS contract, here are the plan exclusions:
American Home Shield offers a range of monthly plans, varying prices from $29 to $89. The ShieldSilver plan starts at just $29.99 per month among their affordable entry-level options.
The other two plans, Shield Gold and Shield Platinum begin at $49.99 and $79.99 respectively.
AHS provides two options for service fees. These options are $100 and $125. Higher service call fees or deductibles typically result in lower monthly premiums. Homeowners can choose the service fee that best fits their budget and preferences.
Cost of plans are as follows;
ShieldSilver |
ShieldGold |
ShieldPlatinum |
|
Cost at $125 Service Call Fee |
$29.99 |
$49.99 |
$79.99 |
Cost at $100 Service Call Fee |
$39.99 |
$59.99 |
$89.00 |
AHS offers 3 plans covering from basic to extended coverage in California. Its entry-level plan starts at just $29.99 per month, making it one of the most affordable options in the industry.
The plans are a mixed bag of all essential systems and appliances. This flexibility ensures that you receive the right level of coverage without overpaying for services you may not need. Considering the structure of plans in favor of homeowners, AHS earns 4/5 from us.
AHS’s plans cover appliances and systems regardless of age or pre-existing conditions. This inclusive policy ensures that homeowners can protect their valuable assets, regardless of their item’s history.
The company does not take responsibility for repairs or replacements due to missing parts, components, or equipment. Additionally, the 30-day workmanship guarantee might concern some customers about the long-term reliability of the repairs or replacements.
Therefore, AHS earns 3.5 based on coverage and its limitations of services.
(Provides Bonus Services)
Choice Home Warranty, founded in 2008, has managed quickly to move above the competition in California. Choice’s affordable cost, extensive coverage, and exclusive offers have attracted more than 1 million households nationwide.
The company features a simple and effective claims procedure that makes it simple for homeowners to submit claims and have repairs or replacements made swiftly. Customers can submit claims 24/7 through an online portal or by calling a toll-free number.
Pros
Cons
Choice Home Warranty offers two main plans, Basic and Total, with varying coverage for home systems and appliances.
The Basic plan covers 14 essential home systems and appliances. The coverage includes air conditioning, heating, electrical, plumbing, stoppage, water heaters, ductwork, garage door openers, and ceiling & exhaust fans.
The Total plan offers more extensive coverage, which covers 18 household items in its catalog. The coverage includes stoves/ovens, cooktops, garbage disposals, built-in microwaves, dishwashers, refrigerators, washers, dryers, whirlpools, and appliances.
Plans |
Covered Items |
Budget Range |
Suitable For |
Roof Leak Coverage Limit |
Overall Coverage Limit |
Basic Plan |
14 | Low-Cost | Homeowners who want coverage for their home’s essential systems. | $500 | $3000 per contract term |
Total Plan |
18 | Moderately Expensive | Homeowners seeking extensive protection | $500 | $3000 per contract term |
One of the advantages of Choice Home Warranty’s plans is that they cover a wide range of home systems and appliances, ensuring that you have protection for essential components of your home. Let us take a look at the table below:
Items |
Basic Plan |
Total Plan |
Ductwork | ✓ | ✓ |
Built-in Microwave | ✓ | ✓ |
Heating System | ✓ | ✓ |
Plumbing System | ✓ | ✓ |
Plumbing Stoppage | ✓ | ✓ |
Electrical System | ✓ | ✓ |
Water Heater | ✓ | ✓ |
Dishwasher | ✓ | ✓ |
Cooktop Oven/Range/Stove | ✓ | ✓ |
Garbage Disposal | ✓ | ✓ |
Built-in Microwave | ✓ | ✓ |
Garage Door Opener | ✓ | ✓ |
Ceiling & Exhaust Fans | ✓ | ✓ |
Whirlpool Bathtub | ✓ | ✓ |
Air Conditioning System | ✓ | |
Refrigerator | ✓ | |
Clothes Washer | ✓ | |
Clothes Dryer | ✓ |
You can choose from Choice Home Warranty’s add-on options to supplement your coverage. The limit may range from $250 to $500 per item.
According to their sample contract, CHW excludes;
The prices offered by Choice for its home warranty plans are considered to be within the industry average range, making them affordable and reasonable.
The basic plan is priced at $46.67 per month or $560.00 per year, while the Total plan costs $55.00 per month or $660.00 per year. Choice charges a service call of $85 every time a request is addressed.
Cost Information is as follows:
Plans |
Monthly |
Yearly |
Basic Plan |
$46.67 |
$560 |
Total Plan |
$55 |
$660 |
Choice Home Warranty provides two plans that offer coverage for both systems and appliances, making it convenient for homeowners who are looking for a comprehensive combination. By keeping the price of both plans less than $60 per month, Choice tries to bring affordability even with its premium category.
However, the list of available add-ons is limited, which may restrict coverage options for some customers. Therefore, looking at its simple and cost-effective plans, we rate Choice 4/5.
Choice offers an overall coverage limit of $3000 for major home systems and appliances. Although it may not offer the highest coverage available, it certainly exceeds the minimum standards in the industry.
Also, the company’s 60-day workmanship guarantee and 90-day parts guarantee are notable aspects of their service. Considering these factors, we give Choice a rating of 4 out of 5.
Regarding the claims process, Choice provides the convenience of 24/7 customer support and easy access to representatives. With a substantial number of reviews from over 9000 users, Choice has managed to maintain a rating of 4 out of 5 on our website.
(Best For Extended Coverage)
House Service Club (HSC) is a reputable home warranty company operating in 49 states, including California. The company was founded in 2008 and has been operating for over a decade, offering reliable home warranty coverage to homeowners and homebuyers.
The company has an extensive nationwide network of approximately 10,000 technicians, which is on par with the industry average. HSC’s range of coverage options makes it a considerable home warranty company for homeowners and homebuyers in California.
Pros
Cons
The Home Service Club offers two base plans: the Standard Coverage plan and the Comprehensive Coverage plan.
The Standard Coverage plan covers 18 common systems and appliances, including your refrigerator, oven, and electrical system.
The Comprehensive Coverage plan includes items covered by the Standard Coverage plan and covers an additional 15 items. The coverage includes an air conditioning system, garage door opener, and more.
Plans | Covered Items | Budget Range | Suitable For | Aggregate Coverage Limit |
Standard Coverage | 18 | Low-Cost | Homeowners who need coverage for their essential appliances and systems. . | $6000 |
ComprehensiveCoverage | 33 | Moderately Expensive | Homeowners with larger homes and want additional coverage for items. | $9000 |
The table below lists all the systems and appliances covered by Home Service Plus plans:
Systems/Appliances |
Standard Coverage |
Comprehensive Coverage |
Air Conditioners | ✓ | ✓ |
Heating System (Including Heat Pumps) | ✓ | ✓ |
Plumbing System | ✓ | ✓ |
Water Leaks | ✓ | ✓ |
Water Heater | ✓ | ✓ |
Electrical System | ✓ | ✓ |
Ceiling Fans | ✓ | ✓ |
Central Vacuum(S) | ✓ | ✓ |
Garbage Disposal | ✓ | ✓ |
Garage Door Opener | ✓ | ✓ |
Microwave Oven (Built-In) | ✓ | ✓ |
Dishwashers | ✓ | ✓ |
Refrigerators | ✓ | ✓ |
Ovens, Ranges, And Cook-Tops | ✓ | ✓ |
Trash Compactors | ✓ | ✓ |
Food Centres (Built-In) | ✓ | ✓ |
Clothes Washer/Clothes Dryer | ✓ | ✓ |
Freestanding Ice Makers | ✓ | ✓ |
Ductwork | ✓ | |
Gas Leaks | ✓ | |
Sump Pump | ✓ | |
Whole House Exhaust And Attic Fans | ✓ | |
Instant Hot/Cold Water Dispenser | ✓ | |
Pest Control | ✓ | |
Telephone Wiring | ✓ | |
Alarm Warning | ✓ | |
Smoke Detectors | ✓ | |
Doorbells | ✓ | |
Whirlpool Motor And Pump Assemblies | ✓ | |
Plumbing Stoppage Coverage | ✓ |
The Home Service Club provides optional add-on coverage for the following items in addition to their Standard and Comprehensive plans:
All home warranty agreements provide repair and replacement coverage for wear-and-tear damage. The House Service Club or any other home warranty will not cover any malfunction or damage brought on by mishaps, natural disasters, risks, or unanticipated events.
The Home Service Club typically charges between $584.96 and $719.96 per year and $51.25 to $62.50 monthly. The quote is for a Single Family in California.
Choosing the single payment option for the quote extends the coverage for 13 months. Also, Home Service Club’s service fee ranges from $65 to $125 per repair, depending on the plan.
Plans |
Monthly |
Yearly |
Standard Coverage |
$51.25 |
$584.95 |
Comprehensive Coverage |
$62.50 |
$719.96 |
Service Fee: $65 – $125 |
The Home Service Club company offers two straightforward plans for homeowners, both priced above the industry average. However, while evaluating, we found that their standard coverage includes home appliances and systems typically reserved for premium warranty plans.
Moreover, their comprehensive coverage goes beyond superior plans, encompassing services usually considered additional coverage, such as sump pump and pest control protection. Also, the company offers a variety of optional add-ons to cater to specific needs. Considering its plan structure and affordability, we rate HSC 3.75/5.
Home Service Club starts coverage in 2 weeks of signing the contract, unlike the industry standard of 30 days. This ensures that homeowners can enjoy the benefits of warranty protection without delay.
But, when it comes to cancelling the contract even within 30 days of purchase, there is a mandatory fee of $45. Considering all this, the company receives a 3.5 out of 5 ratings.
(Best For Customer Satisfaction)
Though established in 2017, Liberty Home Guard may not boast decades of experience like some of its competitors. However, its reputation, affordability, and extensive add-on coverage have positioned it as a top contender in the home warranty industry.
Operating from Brooklyn, Liberty Home Guard collaborates closely with a network of skilled and licensed contractors. One notable feature is the inclusive appliance coverage, which extends to appliances of any age.
Pros
Cons
Liberty Home Guard provides homeowners with three distinct options: Systems Guard, Appliance Guard, and Total Home Guard.
Systems Guard covers six major home systems
Appliance Guard covers nine primary kitchen and general home appliances
Total Home Guard is a combo plan that includes everything from systems and appliance plans
Plans |
Covered Items |
Budget Range |
Suitable For |
Overall Coverage Limit |
Systems Guard | 6 | Low-Cost | Homeowners who are looking for protection for their systems. | $2000 |
Appliance Guard | 9 | Moderately Expensive | For homeowners who prioritize coverage for their major home appliance |
$2000 |
Total Home Guard | 15 | Moderately Expensive | Homeowners looking for appliances and systems coverage | $2000 |
The following table provides a detailed listing of the home appliances and systems and the coverage offered for them by Liberty’s Plans:
Items |
Appliance Guard |
Systems Guard |
Total Home Guard |
Dishwasher | ✓ | ✓ | |
Refrigerator | ✓ | ✓ | |
Ranges/Ovens/Cooktops | ✓ | ✓ | |
Clothes Washer | ✓ | ✓ | |
Clothes Dryer | ✓ | ✓ | |
Built-in Microwave | ✓ | ✓ | |
Garbage Disposals | ✓ | ✓ | |
Ceiling and Exhaust Fans | ✓ | ✓ | |
Garage Door Openers | ✓ | ✓ | |
Air Conditioning | ✓ | ✓ | |
Heating | ✓ | ✓ | |
Plumbing | ✓ | ✓ | |
Electrical | ✓ | ✓ | |
Ductwork | ✓ | ✓ | |
Water Heaters | ✓ | ✓ |
You can choose from the following add-on list to enhance your coverage.
Your Liberty Home Guard agreement has some exclusions. It does not cover:
Liberty Home Guard offers three different plans: Appliance Guard, Systems Guard, and Total Home Guard. The Appliance Guard plan is priced at $59.99 per month, The Systems Guard plan at $64.99 per month, and the Total Home Guard plan at $69.99 per month.
Also, Liberty Home Guard assigns a service call fee from $65 to $125 to its customers, which varies depending on the chosen plan, add-ons, and location.
Plans |
Appliances Guard |
Systems Guard |
Total Home Guard |
Monthy |
$59.99/Month |
$64.99/Month |
$69.99/Month |
Yearly |
$499.99/Annum |
$549.99/Annum |
$599.99/Annum |
Liberty Home Guard presents three unique plans, catering to your appliances, built-in systems, or a comprehensive combination of both. For the basic plans that exclusively cover systems, the monthly cost is $59.99, which is on the expensive side.
However, with a reasonable difference of around $5, homeowners can opt for the most comprehensive plan, receiving a superior deal and achieving total protection. By looking at its affordability and wide selection of add-on coverages, Liberty’s plans earn a 3.5/5.
When considering Liberty Home Guard’s services, you don’t have the liberty to choose your contractor, unlike some other home warranty providers. However, the fee does offer some flexibility, though, with amounts varying between a reasonable $65 to a higher-than-average $125.
Liberty, while providing a 60-day workmanship guarantee, aims to balance credibility regarding completed repairs, which is comparable to industry standards. So, considering all service aspects, AHS gets 3.5 out of 5.
The repair and replacement costs of appliances in California are influenced by factors such as the type of appliance, age and condition, brand and model, warranty coverage, accessibility of parts, labor costs, and local market dynamics. The overall expenses may be higher compared to areas with a lower cost of living.
The graph below shows the average repair/replacement costs in the state of California:
If you don’t plan your home maintenance, you may have to bear the brunt of these high repair and replacement expenses for appliances in California. The cost of parts, labor, and service fees can significantly increase. Budgeting accordingly and preparing for these potentially steep costs without a home warranty is crucial.
California’s weather conditions include cool to mild winters and warm to hot summers. Rainfall occurs from October to April, with the heaviest rains falling during November and December.
Take a look at California’s weather data with this graphic applicable to all states:
22.9 inches/ Year
237 Sunny Days/ Year
June – November
The below table talks about common weather issues in California and how home warranties can help fix them:
Conditions in California - California has warm to hot summers with an average high of 86°F and low of 71°F. |
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What Happens Because Of It? |
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What Can You Do About It? |
By having maintenance checks on HVAC systems, potential issues can be identified and addressed before they turn into major breakdowns. |
Conditions in California - Average Rainfall of over 22.9 inches/ Year |
|
What Happens Because Of It? |
|
What Can You Do About It? |
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Homeowners in California can anticipate an annual maintenance cost of around $16,000. The amount is used to upkeep the house for its smooth functioning. According to a survey conducted by a private organization in the States, 65% of homeowners who had a problem with their home items later acknowledged that it might have been avoided with proactive maintenance.
Therefore, having budget-friendly plans to maintain your home can be beneficial in the long run. Following is an overview of the top 4 cities in California as to why it is essential to have a home warranty plan in California.
San Diego, California |
|
City Profile |
San Diego is the second largest city in California, located on the southern coast, near the border with Mexico. |
Weather Profile |
San Diego has a Mediterranean climate characterized by mild, pleasant weather throughout the year. Summers are warm, dry, and typically free from extreme heat, with average temperatures ranging from 70 ℉ to 80℉. |
Economy Profile |
Living in San Diego, CA, can be relatively expensive compared to other parts of the country. According to recent data, the cost of living in San Diego is 44% higher than the national average and 3% higher than the state average. Housing costs, in particular, can be steep, with the median home value in San Diego being 123% higher than the national average. |
Common Household Issues |
Plumbing issues like leaks clogged drains, or sewer line problems can arise in San Diego homes. Furthermore, being a city with an extremely hot climate, the strain on cooling systems in San Diego is quite common. Air conditioning units often work tirelessly to combat the heat, leading to increased wear and tear. |
Significance Of Home Warranty |
|
Sacramento, California |
|
City Profile |
Sacramento is the capital city of California, located in the central part of the state, USA. |
Weather Profile |
Sacramento has a Mediterranean climate with hot, dry summers and cool, wet winters. Average temperatures range from 46°F (8°C) in winter to 93°F (34°C) in summer. |
Economy Profile |
In Sacramento, California, the cost of living is 19% higher than the national average. While an average salary of $45,000 could be adequate for certain individuals, it may not fully meet the needs and goals of those with lower incomes. ls. |
Common Household Issues |
Sacramento experiences occasional flooding due to its proximity to the Sacramento and American rivers. This can lead to water damage and potential issues with foundations or basements. Given the hot summers in Sacramento, air conditioning systems may face heavy usage and potential strain, leading to efficiency issues. Regular maintenance and proper insulation are crucial to ensure optimal performance. |
Significance Of Home Warranty |
While Sacramento may have a lower cost of living than some other California regions, home warranty coverage can still provide valuable protection for homeowners. Home warranty plans can help cover the cost of repairs or replacements for essential home systems and appliances. With the potential strain on air conditioning systems and the risk of water damage from flooding, having a home warranty can provide peace of mind and financial assistance when unexpected issues arise. Additionally, home warranty plans often include 24/7 customer service, allowing homeowners to quickly request service for covered items and receive timely repairs, minimizing disruptions to their daily lives. |
San Jose, California |
|
City Profile |
San Jose is in southern California, USA. The estimated population of San Jose will be around 930,862 in 2023. It is the third-most populous city in California and the tenth-most populous city in the United States. |
Weather Profile |
San Jose has a temperate climate with warm, dry summers and mild, wet winters. Average temperatures range from 50°F in winter to 80°F in summer. |
Economy Profile |
The city has a high cost of living, which surpasses that of many other regions in the country. For instance, the average monthly rent for a two-bedroom apartment in San Jose is $2,960, compared to the national average of $1,430. Additionally, the grocery cost index for San Jose stands at 114, indicating that grocery prices are approximately 14% higher than the national average of 100 in the US. These factors highlight the financial considerations individuals need to consider when considering life in San Jose. |
Common Household Issues |
San Jose's occasional rainstorms may expose weaknesses in a home's roof, leading to leaks or damages. Considering the fluctuating climate in San Jose, problems with heating, ventilation, and air conditioning (HVAC) systems may arise. This can include issues with thermostats, air filters, or malfunctioning units. |
Significance Of Home Warranty |
Known for its higher cost of living than other parts of the country. Home warranty coverage can help mitigate some of the expenses associated with home repairs, reducing the financial burden on homeowners. Home warranty plans often include routine maintenance services, which can help identify potential issues early and prevent major breakdowns. This proactive approach can help homeowners keep their houses running smoothly and avoid costly repairs due to neglect. |
Los Angeles, California |
|
City Profile |
Los Angeles, commonly referred to as LA, is the largest city in California and the second-largest city in the United States. It is located on the southern coast of California, USA. As of 2021, the estimated population of Los Angeles is around 3,898,747, making it a highly populous and diverse city. |
Weather Profile |
Los Angeles has a Mediterranean climate characterized by warm, dry summers and mild, wet winters. Average temperatures range from 48°F in winter to 84°F in summer. |
Economy Profile |
LA is a major economic hub known for its diverse industries and thriving entertainment sector. The cost of living in Los Angeles can be relatively high compared to other cities in California. For instance, the average monthly rent for a two-bedroom apartment in Los Angeles is $3,200, which exceeds the national average. The grocery cost index for Los Angeles is also higher than the national average, indicating that grocery prices are generally higher in the city. |
Common Household Issues |
Earthquakes are a common concern in Los Angeles due to their location near the San Andreas Fault. This can disrupt the electrical infrastructure, causing power outages or electrical surges. These disruptions can damage sensitive electronic components in appliances and systems, such as circuit boards and control panels, rendering them inoperable or malfunctioning. |
Significance Of Home Warranty |
Due to the higher cost of living in Los Angeles, homeowners may benefit from having a home warranty to protect against unexpected repair costs. Home warranty plans can cover various systems and appliances, including HVAC, electrical, plumbing, and more. Furthermore, home warranty plans often offer additional services such as 24/7 customer support and access to a network of qualified technicians, ensuring prompt and reliable service when issues arise. |
Picking an ideal home warranty depends on various factors and personal preferences. We have a comparison table with several essential criteria to assist you in finding the best home warranty company in California.
Company Name | Premium (Monthly) | BBB Rating | Response Time | Deductible | |
Select Home Warranty | $45.67 - $50.25 | B+ | 12 - 48 hours | $60 - $75 | |
American Home Shield (AHS) | $29.99 - $89.99 | B+ | Up to 48 hours | $100 & $125 | |
Choice Home Warranty | $46.67 - $55 | B | Up to 48 hours | $60 - $85 | |
The Home Service Club | $51.25- $62.5 | C | 24 to 48 hours | $65- $125 | |
Liberty Home Guard | $59.99 - $69.99 | A+ | Up to 48 hours | $65 to $125 | |
The California Department of Insurance licenses and regulates companies that offer home warranty contracts in the state. The Housing and Urban Development Department in California conducts a homeownership assistance program that aims to assist homeowners in resolving problems that may occur during the home-buying or owning process.
As per the law in California, each home warranty agreement must provide details on exclusions, services, cancellations, etc.
A home warranty plan can help you save money as the premium you pay covers the breakdown of essential appliances and systems. Read the contract document and the fine print carefully to ensure you are fully aware of coverage and exclusion details.
What Is A Home Warranty?
A home warranty is a service contract that provides coverage for the repair or replacement of major systems and appliances in a home. It typically lasts for a specific term, usually one year, and can be renewed annually.
Home warranties protect homeowners from unexpected breakdowns and repair costs, which are not typically covered by homeowners insurance.
Does The Home Warranty Cover Roof?
Roof coverage under a home warranty plan is generally limited to repairs of leaks resulting from normal wear and tear, which refers to the gradual deterioration of the roof over time. Some companies have roof protection to be added to their optional coverage. Therefore, getting clarification on the agreement before signing up is advisable.
Is A Home Warranty Worth It?
A house warranty might be wise for homeowners seeking more financial security and peace of mind. With a home warranty, you can have coverage for repairs or replacements of major systems and appliances in your home, which may not be covered by standard homeowners insurance.