Expert Advice On Improving Your Home

6 Best Home Warranty Companies in Oakland, CA

Written By David Cusick

Last Updated February 2024

The cost of maintaining a home in Oakland can be costly, especially as your home ages and your systems and appliances need to be updated. A home warranty can offer you the peace of mind you need and protect your bank account from unexpected expenses by covering your home’s major systems and appliances.

Finding the best home warranty on the market can be challenging, since there are lots of companies to decide between. That’s why our team at Today's Homeowner did the research and put together a list of the top home warranty companies in Oakland for you.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

The 6 Best Home Warranty Companies in Oakland

Choice Home Warranty

Over 10 years of experience

24/7 customer service team

Home inspections aren’t required

90-day repair guarantee

Plans aren’t customizable

Customers can’t choose their own contractor

Not available in washington

Choice Home Warranty offers the best overall home warranty for Oakland residents. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.

Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000 at the maximum.

To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our full review of Choice Home Warranty.

Basic Plan

Total Plan

Service fee: $85.00 Monthly cost: $45.00
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer
Service fee: $85.00 Monthly cost: $53.33
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater , AC , Washer , Dryer , Refrigerator Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer

Select Home Warranty

Low service fees compared to other home warranty providers

Two months of free coverage

Has an appliance-only, systems-only, and combo plan option

90-day repair guarantee

Has a $75 cancellation fee

Low coverage caps

Select Home Warranty offers the most cost-effective home warranty for Oakland residents. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.

Select Home Warranty has 3 plans that provide a combination of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000 at the maximum.

To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our full review of Select Home Warranty.

Bronze Care Plan

Gold Care Plan

Platinum Care Plan

Service fee: $60.00 Monthly cost: $57.67
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $57.67
Items covered: Air Conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $62.08
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer , Air conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater , Ceiling fan , Garage door , Plumbing stoppages Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks

American Home Shield

The oldest and most trusted company in the industry

Allows customers to build their own plans

Ability to choose the service fee you want to pay

Broad coverage on up to 33 appliances and systems

Doesn’t let customers choose their own technician

Doesn’t provide coverage in alaska

American Home Shield offers the most customizable home warranty for Oakland residents. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.

American Home Shield has 3 plans that provide a combination of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500 at the maximum.

To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our full review of American Home Shield.

ShieldSilver

ShieldGold

ShieldPlatinum

Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27
Items covered: Air Conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Locksmith , Plumbing , Plumbing stoppages , Toilet , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Washer , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Locksmith , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Roof leaks , Toilet , Trash compactor , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump

First American Home Warranty

Established company with a bbb accreditation

Doesn’t have a coverage cap on heating, cooling, or ductwork

24/7 service calls available

Offers replacement of some covered items that are too damaged to repair

Doesn’t let customers choose their own contractor

According to some customer reviews, the technical jargon in contracts is confusing

First American Home Warranty offers the best home warranty for appliance coverage for Oakland residents. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.

First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500 at the maximum.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit our full review of First American Home Warranty.

Basic Plan

Premier Plan

Service fee: $85.00 Monthly cost: $38.00
Items covered: Attic fans , Ceiling fans , Cooktop exhaust fan , Dishwasher , Disposal , Dryer , Microwave , Oven , Refrigerator , Trash compactor , Washer , Water dispenser Add-on items: Pool , Spa , Air conditioner , Septic tank , Septic , Well pump , First-class upgrade
Service fee: $85.00 Monthly cost: $48.50
Items covered: Attic fans , Ceiling fans , Cooktop exhaust fan , Dishwasher , Disposal , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing system , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Vacuum , Water heater , Washer , Water dispenser Add-on items: Pool , Spa , Air conditioner , Septic tank , Septic , Well pump , First-class upgrade

Cinch Home Services

Offers home insurance deductible of $500

Extra long 180-day workmanship guarantee

Offers free cancellation in the first 30 days

Charges high service fees of $75-$150

Doesn’t allow customers to choose their own technician

Isn’t available in hawaii or alaska

Cinch Home Services offers the home warranty with the best workmanship guarantee for Oakland residents. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.

Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000 at the maximum.

To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our full review of Cinch Home Services.

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99
Items covered: Cooktop exhaust fan , Dishwasher , Dryer , Food center , Free-standing ice maker , Microwave , Oven , Refrigerator , Refrigerator ice maker , Trash compactor , Washer Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99
Items covered: Air conditioner , Smoke alarm , Attic fans , Bath exhaust fans , Ceiling fans , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Plumbing , Plumbing stoppages , Septic tank pumping , Spa , Sump pump , Toilet , Vacuum , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Food center , Free-standing ice maker , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Refrigerator ice maker , Septic tank pumping , Spa , Sump pump , Toilet , Trash compactor , Vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump

The Home Service Club

Policy starts in ten days

24/7 customer service support

Generous coverage caps on important systems and appliances

30-labor guarantee and 90-day parts guarantee

Offers utility and home service outside line coverage

Higher service fee of $95

Not accredited by the better business bureau (bbb)

Only 2 plan options

The Home Service Club offers the best home warranty with the quickest service for Oakland residents. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.

The Home Service Club has 2 plans that provide a combination of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000 at the maximum.

To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our full review of The Home Service Club.

Standard Coverage Plan

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00 Monthly cost: $50.40
Items covered: Air conditioner , Ceiling fan , Dishwasher , Garbage disposal , Dryer , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Plumbing , Refrigerator , Trash compactor , Central vacuum , Washer , Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Service fee: $60.00 - $95.00 Monthly cost: $62.90
Items covered: Air conditioner , Alarm wiring , Attic fans , Ceiling fan , Dishwasher , Garbage disposal , Doorbell , Dryer , Ductwork , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Pest control , Phone , Plumbing , Plumbing stoppages , Refrigerator , Sump pump , Toilet , Trash compactor , Central vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Today's Homeowner Ranking Methodology

Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:

  • Company Experience
  • Real User Reviews
  • Company Reputation
  • Accreditations and Licenses
  • Service Area
  • Customer Service
Have questions about our methodology or company ratings? Reach out to FindAPro@TodaysHomeowner.com.

Cost of Common Home Repairs in Oakland

Home Appliance Repair Cost
Air Conditioner $7,201
Heating $4,800
Electrical $720
Toilets $600
Washer/Dryer $960
Plumbing $720
Oven $1,920
Fridge $720

How Does a Home Warranty Work?

A home warranty is a protection policy that helps reduce the high costs for Oakland homeowners needing appliance and system repairs. These plans provide coverage to fix or swap out appliances and systems that stop working due to normal wear and tear.

Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners peace of mind and can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.

What Does a Home Warranty Cover?

Home warranties cover many home systems and appliances. Common covered appliances are refrigerators, dishwashers, washers, microwaves, garbage disposals, dryers, and others. Covered systems include air conditioning, plumbing, heating, and electrical. Various home warranty plans offer extra coverage for central vacuums, roof leaks, septic systems, and even locksmiths. Oakland should understand that most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.

Key Home Warranty Terms to Know

Here are some key home warranty words to learn before signing a contract:

  • Endorsements: Optional add-on coverage for systems such as well pumps, septic, pools and more. Endorsements typically come with an additional fee.
  • Contract rate: The pre-negotiated rate a home warranty company has with its contractors. This rate is usually less than typical retail costs.
  • Trade call fee: An added fee that you'll sometimes need to pay for appliance-related claims.
  • Service fee: The amount you pay our of pocket per claim for access to a contractor and repair coverage.
  • Claim approval: The process providers use to determine whether a requested repair or replacement is covered under a home warranty plan.
  • Coverage limits: How much money your warranty provider will pay for specific repairs or replacements. Check limits on repairs for things like appliances, air conditioning units, and roof leaks.
  • Deductible: The amount you're responsible for before your warranty covers the remainder of the cost. Deductibles apply to covered repairs and may be on a per-claim or yearly basis.
With these important considerations in mind, you'll be able to understand pricing and choose a home warranty customized to protecting your most essential home systems. When getting a quote, review coverage details with potential providers to help avoid unexpected fees.

Key Factors in Choosing a Home Warranty Company

There are several key considerations when choosing a home warranty provider:

Coverage Options

Home warranties differ greatly in the items covered. Basic policies typically cover plumbing, AC, heating, electrical, and appliances, while more comprehensive options may also cover well pumps, spas, roof leaks, and pools. Look for a company that offers an extensive selection of coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.

Service Fees

You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles if homeowners don't submit any claims within a set period of time.

Reputation

A home warranty provider's reputation can give you insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Use review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Positive ratings and feedback indicate a provider known for exceptional service.

Contractor Network

Home warranty providers maintain networks of professionals to handle covered repairs. Wider networks raise the probability of getting qualified technicians to swiftly service your home. Contact potential providers to find out how many contractors they have in Oakland to get a sense of how soon your repairs could happen in an emergency.

Added Benefits

Some home warranty plans offer bonuses such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These perks add value beyond repair coverage. Extra bonuses can maximize the usefulness of the home warranty.

Is a Home Warranty Worth it in Oakland?


Benefits of a Home Warranty

Oakland’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.

A home warranty also saves you time and energy. Instead of spending hours finding and choosing a repair person to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Additionally, having a home warranty can help make your house more appealing to potential homebuyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you’ve been receiving.

Downsides of a Home Warranty

There are also some downsides to purchasing a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.

Another downside is that home warranties may exclude some repairs, like those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances most likely won’t be covered by the home warranty.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

Frequently Asked Questions About Home Warranty in Oakland, CA

A home warranty in Oakland can cost between $30 and $60 a month. Higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.

Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger plan that protects the entire home from natural disasters, which might not be too much of a concern in Oakland. It doesn't cover a normal appliance or system breakage.

First-time homebuyers, landlords, home sellers, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.

The different types of home warranties in Oakland include plans that cover either appliances or systems as well as combination plans. A combination plan covers your systems and appliances, including your washing machine, drier, and plumbing. An appliance or system plan will cover only the items listed in the plan.

Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.

Typically, the one who owns the home pays for the home warranty. In some cases, though, the one selling the home may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Oakland is $802,361, a home warranty can save you some money when buying a home.

Other Oakland, CA Home Services