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Updated on August 7, 2023

Best Home Warranty Companies in California 2023

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.

Our List of Top Home warranty companies in california

Select Home Warranty
American Home Shield (AHS)
Choice Home Warranty
The Home Service Club
Liberty Home Guard

American Home Shield (AHS)

4.0 / 5

Network of 17,000 contractors
Offers 3 plans
Covers 48 states

Select Home Warranty

3.5 / 5

Multi-year plans
Same-day response on claims
B rating from BBB

$150 off + Free roof coverage + 2 months free

Choice Home Warranty

4 / 5

30-day labor guarantee
90-day parts guarantee
$3k dollar limits on each item

1^st month free + Free roof coverage

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.

Comparison Of Top Home Warranty Companies In California

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.

Best Home Warranty Companies In California: Reviewed

This section provides a detailed review of the best-rated home warranty companies in California listed above.

Select Home Warranty:

(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

Has extensive contractor network
Offers same-day response on claims
Provides discounts on multi-year plans

Cons

Lower dollar limits for appliances

3.5/5

$150 Off + Free Roof Coverage + 2 Months Free

Premium

$44 - $47

Sevice fee

$60-$75

Limit

$3k/Item

Plans and Coverage

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			✓

Add-on

You can extend your coverage by adding the following items;

Central Vacuum
Lawn Sprinkler System
Pool
Septic system
Spa
Stand- Alone freezer
Sump Pump
Well Pump

Plan Exclusions

Here are some of the exclusions from their coverage:

Failures because of abuse, rust, corrosion, improper installation
Known or unknown pre-existing conditions
All components or parts of any covered items like freon, lights, solar heating systems, etc.
Items that need repair or replacement because of acts of nature
Damages because of water, fire, and mold spores

Cost

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.

Editorial Take On Select Home Warranty

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.

American Home Shield (AHS):

(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

Extensive coverage caps available
Includes coverage for undiscovered pre-existing conditions

Cons

Limited list of optional coverage

4.0/5

Cashback, Amazon gift cards, etc. on referrals.

Premium

$29 - $99

Sevice fee

$100 & $125

Limit

$4k-$5k

Plans and Coverage

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			✓

Add-on

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

Well Pump
Septic System
Guest Unit
Pool & Built-In Spa Equipment

Plans Exclusions

According to the AHS contract, here are the plan exclusions:

Routine maintenance, exhaust lines, chimneys, and cosmetic damage,
Home management systems, fire sprinkler systems, radon monitoring systems,
Mold, bio-organic growth, rot, fungus, and pest damage.

Cost

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

Editorial Take on American Home Shield

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.

Choice Home Warranty:

(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

Has extensive contractor network
Offers same-day response on claims
Provides discounts on multi-year plans

Cons

No choice of contractors

4.0/5

Free coverage for a month + roof coverage

Premium

$46-$55

Sevice fee

$75 - $125

Limit

Upto $3K/item

Plans and Coverage

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		✓

Add-Ons

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.

Pool / Spa
Limited Roof Leak
Additional Spa
Stand Alone Freezer
Central Vacuum
Second Refrigerator
Well Pump
Septic System
Sump Pump
Septic Tank Pumping

Plans Exclusions

According to their sample contract, CHW excludes;

Incorrect installation
Misuse of the protected item in a malicious manner
Poor or insufficient regular maintenance
Natural catastrophes (such as fires, floods, hurricanes, tornadoes, and other similar events) or any other situations are covered by conventional homeowner’s insurance.

Cost

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

Editorial Note on Choice Home Warranty

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.

The Home Service Club:

(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

Provides plans for utility coverage
Has a network of more than 10,000 contractors
90-day repair guarantee

Cons

Charges high transfer fee

4.0/5

Promotional charges up to 10%

Premium

$50-$62

Sevice fee

$65-$125

Limit

$6000-$9000 per plan

Plans and Coverage

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		✓

Add-ons

The Home Service Club provides optional add-on coverage for the following items in addition to their Standard and Comprehensive plans:

Roof Coverage
Pool Spa Equipment
Additional Refrigerator
Jetted Bathtubs
Pool spa
Sewage Ejector Pump
Refrigerator Dual Compressor
Second Freezer
Water Softener
Well Pump
Additional Dishwasher
Additional Water Heater
Additional Oven Range Cooktop
Additional Microwave
Plumbing Sprinkler
Service Line
Second Freezer

Plan Exclusions

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.

Cost

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

Editorial Take on Home Service Club

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.

Liberty Home Guard:

(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

60-day workmanship warranty is available
Provides extensive add-on coverage
Live Chat Option available

Cons

No choice of technician
Charges cancellation fee

4.5/5

$200 Off + 2 Months Free + Free Limited Roof Leak Coverage + Free Gift

Premium

$50-$60

Sevice fee

$90

Limit

$2k/Item

Plans And Coverage

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		✓	✓

Add-Ons

You can choose from the following add-on list to enhance your coverage.

Window Washing/Cleaning
Well Pump
Limited Roof Leak
Gutter Cleaning
Electronics Protection
Wine Cooler/Fridge
Water Dispenser Water Line
Pro-Series Dishwasher Coverage
Casita Guest Unit
Sump Pump
Water Softener
Pest Control
Swamp Cooler
Salt Water Pool
Instant Hot Water Dispenser
Pro-Series Microwave
Central Vacuum
Re-Key
Reverse Osmosis Water Filter System

Pool And/Or Spa Equipment
Stand Alone Freezer
Additional Spa
Trash Compactor
Ice Maker (In-Fridge)
Plumbing Fixtures
Pro-Series Refrigerator Coverage
Pro-Series Clothes Dryer
Septic System Pumping
Second Refrigerator
Lighting Fixtures
Lawn Sprinkler System
Freestanding Ice Maker
Grinder Pump
Pro-Series Range/Oven/Cooktop Coverage
Carpet Cleaning
Ejector Pump
Generator
Pro-Series Washing Machine

Plan Exclusions

Your Liberty Home Guard agreement has some exclusions. It does not cover:

Electronic, computerized, or internet-based parts
Remote receiving or transmitting devices
Vents, chimneys, and exhaust lines included with any covered Item
Cosmetic defects and installation
Accidents, fire, floods, subsidence, water damage, and electrical failure
Defective manufacturing, construction, or production

Cost

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

Editorial Take on Liberty Home Guard

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.

Repair And Replacement Cost Of Various Appliances In California

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:

Furnace
can cost to you
Up to $5500
Cooktop/range
can cost to you
Up to $500
Washer/Dryer
can cost to you
Up to $800
A/C Units
can cost to you
Up to $7000
Refrigerator
can cost to you
Up to $1000
HVAC
can cost to you
Up to $6000
Septic Tank
can cost to you
Up to $6000
Microwave
can cost to you
Up to $400
Dishwasher
can cost to you
Up to $1000
Garbage disposal
can cost to you
Up to $400

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.

Why should California Homeowners Get A Home Warranty?

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:

Average Rainfall

22.9 inches/ Year

Average Sunlight

237 Sunny Days/ Year

General Climate Conditions

Warm & Wet Summers
Very Cold & Snowy Winters

Tropical Cyclones

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.

What Happens Because Of It?

Increased strain on cooling systems
Elevated temperatures can cause electrical components to overheat

What Can You Do About It?

Cooling systems are complex and expensive appliances. When they malfunction due to the increased strain from hot temperatures, repair or replacement costs can be substantial.
A home warranty can cover these repair and replacement costs, saving homeowners from unexpected financial burdens.
Some home warranty plans may include regular maintenance services for covered appliances.

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?	Heavy rains can infiltrate basements, crawl spaces, and other vulnerable areas, causing damage to appliances and electrical systems. Overflowing rainwater can overwhelm sewage systems, leading to backups and blockages. This can result in clogged drains, sewage backups, or pipe leaks. Appliances connected to the plumbing system, such as dishwashers, toilets, and sinks, may be affected by these plumbing problems.
What Can You Do About It?	Home warranties with plumbing coverage can be highly valuable. They can help cover the costs of repairing or replacing plumbing components affected by these issues Roof repairs can be expensive, especially if major repairs are required. Roof leak coverage ensures that homeowners don't have to bear the entire burden of these costs.

Annual Home Maintenance Cost In Top California Cities

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.

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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	Constant use causes strain on essential home systems, so a home warranty can be an effective solution. All home warranty plans cover damage caused by regular wear and tear. Home warranty companies often offer customizable plans catering to homeowners' needs. Homeowners can choose the level of coverage they require based on their budget, the age of their home systems, and the local weather conditions.

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.

Compare the Best Home Warranty Companies in California

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	View More
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

Home Warranty Regulations In California

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.

Bottom Line

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.

By HomeWarrantyreviews.com Team | Reviewed By Shashank Ramesh

FAQs

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.