Written By David Cusick
Last Updated February 2024
The cost of maintaining a home in San Clemente can be expensive, particularly as your home ages and your systems and appliances have to be updated. A home warranty is a way to protect your bank account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Finding the right protection for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in San Clemente. Keep reading for our home warranty recommendations.
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
In San Clemente, Choice Home Warranty offers the best overall home warranty. Choice has been on the market for more than 15 years, making it a well-respected company in the industry. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage.
Choice Home Warranty offers 2 plans for San Clemente homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $85.
For more information, read our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
Basic Plan
Total Plan
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
In San Clemente, Select Home Warranty offers the most cost-effective home warranty. Select has been on the market for more than 11 years, making it a well-respected company in the industry. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
Select Home Warranty offers 3 plans for San Clemente homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $60.
For more information, read our Select Home Warranty full review. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
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
In San Clemente, American Home Shield offers the most customizable home warranty. AHS has been on the market for more than 26 years, making it a well-respected company in the industry. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
American Home Shield offers 3 plans for San Clemente homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.
For more information, read our American Home Shield full review. To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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
In San Clemente, First American Home Warranty offers the best home warranty for appliance coverage. First American has been on the market for more than 39 years, making it a well-respected company in the industry. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it 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. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage.
First American Home Warranty offers 2 plans for San Clemente homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $85.
For more information, read our First American Home Warranty full review. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Basic Plan
Premier Plan
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
In San Clemente, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been on the market for more than 44 years, making it a well-respected company in the industry. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
Cinch Home Services offers 3 plans for San Clemente homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
For more information, read our Cinch Home Services full review. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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
In San Clemente, The Home Service Club offers the best home warranty with the quickest service. HSC has been on the market for more than 15 years, making it a well-respected company in the industry. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage.
The Home Service Club offers 2 plans for San Clemente homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
For more information, read our The Home Service Club full review. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
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:
Home Appliance | Repair Cost |
---|---|
Air Conditioner | $7,791 |
Heating | $5,194 |
Electrical | $779 |
Toilets | $649 |
Washer/Dryer | $1,039 |
Plumbing | $779 |
Oven | $2,078 |
Fridge | $779 |
A home warranty is a protection plan that helps San Clemente homeowners reduce the high costs of household repairs. These plans offer financial coverage to repair or swap out appliances and systems that break down from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives security for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who live in older homes or ones with outdated systems. More modern builds with modern appliances probably don’t need a home warranty.
Home warranties cover many home systems and appliances. Typical covered appliances are refrigerators, dryers, garbage disposals, washers, microwaves, dishwashers, and others. Covered systems include electrical, heating, air conditioning, and plumbing. Various home warranty plans offer add-on coverage for roof leaks, septic systems, central vacuums, and even locksmiths. San Clemente homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only help pay for repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should learn key terms like:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans include protection for plumbing, heating, electrical, AC, and appliances. More extensive plans may also cover extra things such as roof leaks, pools, well pumps, and spas. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with lower service fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation gives insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Browse review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Contact potential businesses to ask how many repair specialists they have in San Clemente and get an idea of how fast your repairs could be handled in an emergency. Wider networks improve the probability of getting qualified contractors to quickly service your home.
Home warranty companies might offer bonuses such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These can add value beyond just repair coverage. Additional perks maximize the usefulness of the home warranty.
Since temperatures in San Clemente can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Having a home warranty policy can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Not only does a home warranty offer some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of the research by sending trusted professionals to your door when you need them most. Another good thing about having a home warranty is while selling your home, some providers let you transfer your home warranty plan to the new owners. It can make your house more attractive to potential homebuyers and help your home sell faster.
Home warranties also have some downsides. While it can save you time when the home warranty sends out a contractor who carries out the repair for you, some may not like this, and they would rather choose a contractor themselves. If that’s important to you, some home warranty providers let you choose a contractor.
Another downside is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your house floods, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty in San Clemente can cost between $30 and $60 a month. Higher-priced plans usually 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.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim should you need a new refrigerator or dishwasher, unless the damage is due to a natural disaster, which isn't that common in San Clemente.
A home warranty plan can help homeowners, investors, homebuyers, home sellers, and real estate agents. It can offer peace of mind to anyone involved with homeownership.
The different kinds of home warranties in San Clemente include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your systems and appliances, including your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the specific items listed in the contract.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Generally, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In San Clemente, where the median home value is $1,538,522, having the seller pay for the home warranty can be a good asset for your new home.