Interested in protecting the normal wear and tear of your appliances in California? We at can help find the right coverage plan for you after collecting information from 68+ sources—including company websites, consumer reports like the Better Business Bureau and Yelp — and analyzed it. This essential guide will inform you on the best home warranty for a CA resident and what you should look for when purchasing a plan. Below we present the best home warranty companies in California. Keep reading to learn more!

Editor's Choice

Limited Time: $150 Off + 2 Free Months + roof coverage
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Best Overall

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Most Affordable

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Best Home Warranty Companies in California

  # 1 Our Top Choice American Home Shield
Editorial Rating 97.0
  • Get $100 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 2 Select Home Warranty
Editorial Rating 95.8
  • $175 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 3 Cinch Home Services
Editorial Rating 95.0
  • Get $100/ $50 off!
  • Large number of homeowners
  • Clients report fair compensation
  • Low cancellation fee
  • Vast social media presence
  # 4 First American Home Warranty
Editorial Rating 94.9
  • Best Customer Service 2020
  • Large and established
  • Plans from $25/m
  • Automatically renewed policy
  • Limited selection of extra coverage
  # 5 2-10 Home Buyers Warranty
Editorial Rating 90.2
  • 24/7 service calls
  • Lower chance of claim denial
  • Market veteran
  • Fewer contractors available
  # 6
HomeServe USA
Editorial Rating 82.4
  • Great coverage plans
  • Lower chance of claim denial
  • Choose your own service fee!
  • Tricky terms and conditions
  • Not available in all states
  # 7
Home Warranty of America
Editorial Rating 81.1
  • Choose your own service fee!
  • 24/7 service calls
  • Market veteran
  • Delays in repairs reported
  • Unexpected fees reported
  • Higher chance of claim denial
  • Low contractor ability reported

Disclosure: has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

Who Needs A Home Warranty in California?

From Sacramento to San Diego, home warranties have been available to the residents of California for more than 40 years. Old Republic Home Protection, for example, has been serving California homeowners since 1974. Today, home warranties in this state are offered by multiple companies, and some of them, including First American Home Buyers Protection and Fidelity National Home Warranty, are incorporated in California.


Home warranty CaliforniaThe best home warranty companies in California customize their programs to fit the needs of every client. For first-time homebuyers who don’t have any experience with home warranties, companies like Select Home Warranty offer basic coverage that includes a limited number of home systems and appliances. This approach gives them an opportunity to try all home warranty benefits without investing too much money. In some cases, the homebuyers get their home warranties transferred from the previous homeowners. Sometimes, they get it as a housewarming gift from their real estate agents.

Read Also: What Are The Top Companies For First Time Buyers?


The majority of experienced homeowners prefer to purchase more comprehensive home warranty plans, such as the Premier Plan offered by First American Home Warranty. This plan covers all of the essential home systems such as air conditioning, heating, plumbing, and electrical system, as well as kitchen appliances. In addition, many home warranty companies in California offer coverage for such items as swimming pools, roofs, extra refrigerators, and built-in vacuum cleaners.

Home sellers

Home sellers in California prefer to buy a home warranty if their house was built more than ten years ago. This covers the house while it’s listed on the market, and can then be transferred to the buyer for their first year of ownership. Many home buyers then extend the coverage or switch to a more comprehensive plan available to homeowners (but not to home sellers). 

Real estate agents

Real estate agents often purchase a home warranty to give it as an incentive to home buyers. After the initial one-year coverage expires, many homebuyers continue to extend their home warranty plans in California because they like having their home systems and appliances insured or they can switch to more comprehensive plans that cover additional home systems and appliances.

Which One Is Better: Home Appliance Insurance or Manufacturer's Warranty?

Once a homeowner decides to upgrade the home appliances, the question arises, which warranty is better, a home appliance insurance or a manufacturer's warranty? Almost every kitchen or laundry appliance that you buy from a retailer has a manufacturer's warranty that usually lasts 12 months. As soon as these 12 months expire, you have an option of extending the manufacturer's warranty or purchase a home warranty for your appliances. So, which is better, a home warranty or an extended manufacturer's warranty? To answer this question, please click this button to read our research article:

Home Appliance Warranty or Manufacturer's Warranty?

What You Should Think About Before Purchasing a Home Warranty in California?

There are multiple factors that you should consider before purchasing a home warranty in California. One of the most important factors is the age of the house. Most brand new houses come with the warranty from the developer, but as soon as this warranty expires, it is time to purchase coverage from a home warranty service provider. It is important to remember that a home warranty cannot be combined with any other warranty or insurance. In case the warranty from the developer is not provided or is too short, the best home warranty companies in California provide a new construction home warranty.

So, even if you live in an older house but just updated your appliances, appliance home warranty will not be useful for you because all brand new appliances are usually covered under a manufacturer's warranty. In this case, many companies, including 2-10 Home Warranty, offer plans that include mostly home systems: air conditioning, heating, ductwork, plumbing, and electric system. Once your manufacturer's warranty expires, you will be able to switch to a combo plan, which covers both home systems and appliances.

Another factor is the location of your house. Although the climate in most parts of California is nice and warm, it may vary a lot from north to south and east to west. When selecting home warranty programs in California, you should take into consideration the climate of the region, as it may influence the normal wear and tear of your home systems and appliances.

In the south, for example, where the weather is hot, it is crucial that home warranty plans in California would include maximum coverage for the air conditioning system. One of the best companies that offer excellent A/C coverage for California residents is America’s 1st Choice Home Club.

Home warranty CaliforniaProximity to the ocean brings humid conditions which may impact the work of electrical systems and home appliances, so think about using companies like First American Home Warranty that have the best coverage for home appliances.

In the mountains, it is a good idea to select those home warranty plans in California that cover as much of the plumbing and septic system as possible. The best home warranty companies in Northern California, which includes the San Francisco Bay Area, make sure that their plans cover heating systems and water heaters to maximum capacity.

Read Also: What Are The Best Home Warranty Companies For A Heat Pump?

It is always recommended to read through each of the California home warranty company reviews appearing on this page to understand what are the pros and cons of each company. Although the reviews are not specific to California, the coverage and plans are similar regardless of where you reside (as long as the company can service you).

Home warranty regulations in California

Before you buy a home warranty it is important to know which authority is regulation its operation. All home warranty companies in California are regulated by the California Department of Insurance. In San Francisco, home warranty providers must receive a permit at the Department's San Francisco Legal Division office. All the companies reviewed on our site are fully licensed to operate in the listed states.

Dreaming about the California lifestyle? Check out this video from the Wall Street Journal about housing costs in CA.

What we have to say in conclusion

Whether you are a homeowner, home seller, or home buyer, it is always a good idea to have your home systems and appliances covered under a home warranty. It can help you save money on unexpected repairs and replacements and preserve your peace of mind. Before you buy a home warranty, it is important to take into consideration the age of the house, which home systems and appliances you want to be covered, and in what part of California the house is located. The climate may have a big influence on the normal wear and tear of various parts of the house.

We hope we helped you find the best home warranty in California based on your individual needs. If you haven't been able to find a company that you like, please contact us so we can add more selections to this page!

Read Also: What Are The Best Companies in LA County?

California Home Warranty FAQs

Is a home warranty worth it in California?

With home prices so high no matter where you live in California, protecting that investment is important. One way to do that is with a home warranty.
A home warranty plan will cost you less than the cost of replacing most mid-range appliances. And if you have a problem with more than one system or appliance in a year, the plan can pay for itself. So in terms of protecting your investment and your wallet from unexpected expenses due to wear and tear on the systems and appliances you depend on, a home warranty can definitely be worth it. 

What are the best home warranty companies in California?

We research and review nearly 70 home warranty companies available across the United States. Not all are available in every state, so you have to choose the ones that are available in California. Here are the ones we’ve found to be the best available from Redding to San Diego.
  1. American Home Shield
  2. Select Home Warranty
  3. Cinch Home Services
  4. First American Home Warranty
  5. 2-10 Home Buyers Warranty

What do home warranties cover?

A home warranty is meant to cover your home’s main appliances and/or systems from breakdown due to everyday wear and tear. What your homeowner’s insurance covers -- damage caused by perils like fire, windstorms, vandalism, or theft -- are limited. A home warranty can help fill in that gap.

1. Most Common Coverage

  • HVAC (heating and air conditioning) 
  • Plumbing system
  • Electrical system
  • Water heater
  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Built-in microwave

2. What some cover

Some providers will also include coverage plumbing stoppages, HVAC ductwork, ceiling and exhaust fans, and garbage disposal.
Many providers offer optional coverage for items like well and septic pumps, pools and spas, sump pumps, and additional refrigerators or freezers.

3. What few cover

Companies like to stand out from the crowd. That's why some home warranty companies offer coverage that is unique. For instance, Select Home Warranty offers limited roof leak coverage on all plans, not just as an optional add-on.

How much does a home warranty cost in California?

For a Combo Plan in California, you’ll pay an average of $53 per month $636 per year. American Home Shield comes in at the lowest at $45 per month, and Cinch as the top tier at $62 per month. If you’d prefer a stand-alone System Plan or Appliance Plan, You’ll pay between the mid $30s to the mid $40s. 
Combo Plan
Monthly Cost
Annual Cost
Top 5 CA Average
When a service call is made, you’ll pay between $75 and $125 for the service call fee.

How do I choose a good home warranty?

Here are the steps to take in choosing the right home warranty for your California home.
  1. Research like you are doing right now. Make sure the home warranty company is available in California, make sure they cover what’s important to you, and make sure the price makes sense for you. 
  2. Get several quotes. You’ve got to shop around for the best deal. You don’t necessarily want to just shop for the lowest price, but get quotes from several companies to compare coverage and price. Read the service contract carefully. 
  3. Purchase the plan that works best for you. In most cases, you’ll have 30 days to get a full refund with no added penalty. 

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