6 Best Home Warranty Companies In San Diego, CA

If you're trying to find a comprehensive home warranty plan for your San Diego home, we can help you choose.

Owning a home in San Diego can be expensive. When an appliance or system breaks down suddenly, it can cause you some stress. Getting a great repairperson and having the repair done without costing you a lot can be a complicated task.

Compare the Best Home Warranty Companies in San Diego

There are over sixty home warranty companies in the San Diego area. This can be a lot of information for homeowners to take in and it can be quite the task to break down which of these home warranty plans would best suit your needs. At Review Home Warranties, we compared coverages, BBB ratings, service fees, customer service reviews, and more. Here's how the top companies in San Diego rank.

Company Name Choice Home Warranty American Home Shield Select Home Warranty
Number of Plan Options 2 3 3
Monthly Plan Cost $45.00 - $53.33 $29.27 - $74.27 $57.67 - $62.08
Better Business Bureau Rating B B B
Reviews Reviews Read Choice Home Warranty Reviews Reviews Read American Home Shield Reviews Reviews Read Select Home Warranty Reviews

Home Warranty Companies In San Diego

  1. Choice Home Warranty: Best Overall
  2. American Home Shield: Most Customizable
  3. Select Home Warranty: Most Cost-Effective
  4. Cinch Home Services: Best Workmanship Guarantee
  5. The Home Service Club: Best Quick Service
  6. First American Home Warranty: Best Appliance

San Diego's Top Home Warranty Companies'

#1 Choice Home Warranty

Editorial Rating 98.5

    Pros:
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
  • 90-day repair guarantee

Choice Home Warranty is the best overall home warranty in San Diego. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. Homeowners can choose between Choice Home Warranty's Basic Plan and Total Plan and also add-ons.

Choice's service fees are $85, and the coverage limits come out to around $3,000 for each covered appliance or system. If you're looking for high coverage caps and a contract that's easy to understand, you'll want to have this plan on your side.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Basic Plan $45.00 $85.00

View Items Covered

Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater.

Basic Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer.

Basic Plan Add On

Total Plan $53.33 $85.00

View 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.

Total Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer.

Total Plan Add On

#2 American Home Shield

Editorial Rating 97.6

    Pros:
  • 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

For homeowners who want the most customizable in San Diego, American Home Shield is the best choice. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. Its plans include ShieldSilver, ShieldGold, and ShieldPlatinum.

The coverage caps associated with AHS's plans are around the $2,500 mark for many of the major systems and appliances, and service fees range from $70 to $125. With a home warranty from AHS, you can benefit from a customizable plan and a low claim denial rate.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
ShieldSilver $29.27 - $44.27 $75.00 - $125.00

View 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.

ShieldSilver Included Item

View Add-on Items

Pool, Spa, PC, TV, Septic, Well pump.

ShieldSilver Add On

ShieldGold $39.27 - $54.27 $75.00 - $125.00

View 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.

ShieldGold Included Item

View Add-on Items

Pool, Spa, PC, TV, Septic, Well pump.

ShieldGold Add On

ShieldPlatinum $59.27 - $74.27 $75.00 - $125.00

View 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.

ShieldPlatinum Included Item

View Add-on Items

Pool, Spa, PC, TV, Septic, Well pump.

ShieldPlatinum Add On

#3 Select Home Warranty

Editorial Rating 97.2

    Pros:
  • 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

In San Diego, Select Home Warranty is the most cost-effective home warranty policy. The 3 plans from Select are easy to understand and offer a mix of both system and appliance coverage. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options the company has, and it also has add-on options.

Service fees from Select are $80. The coverage caps are also about $2,000 at the maximum. Additionally, Select has an affordable service fee and free roof coverage.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Bronze Care Plan $57.67 $60.00

View Items Covered

Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer.

Bronze Care Plan Included Item

View Add-on Items

Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks.

Bronze Care Plan Add On

Gold Care Plan $57.67 $60.00

View Items Covered

Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater.

Gold Care Plan Included Item

View Add-on Items

Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks.

Gold Care Plan Add On

Platinum Care Plan $62.08 $60.00

View Items Covered

Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages.

Platinum Care Plan Included Item

View Add-on Items

Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks.

Platinum Care Plan Add On

#4 Cinch Home Services

Editorial Rating 96.5

    Pros:
  • Offers home insurance deductible of $500
  • Extra long 180-day workmanship guarantee
  • Offers free cancellation in the first 30 days

Cinch Home Services is a good choice for homeowners who want the best workmanship guarantee in San Diego. Cinch offers 3 plans for you to decide between, which have a mix of system and appliance coverage. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options the company has, and it also offers add-on options.

Cinch's service fees range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered system or appliance. Additionally, Cinch has a 180-day workmanship guarantee and a wide range of coverage options.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Appliances Plan $34.99 - $50.99 $75.00 - $150.00

View Items Covered

Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer.

Appliances Plan Included Item

View Add-on Items

Pool, Septic, Well pump.

Appliances Plan Add On

Built-in Systems Plan $39.99 - $57.99 $75.00 - $150.00

View 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.

Built-in Systems Plan Included Item

View Add-on Items

Pool, Septic, Well pump.

Built-in Systems Plan Add On

Complete Home Plan $49.99 - $67.99 $75.00 - $150.00

View 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.

Complete Home Plan Included Item

View Add-on Items

Pool, Septic, Well pump.

Complete Home Plan Add On

#5 The Home Service Club

Editorial Rating 95.3

    Pros:
  • 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

In San Diego, The Home Service Club is the best quick service home warranty . HSC has 2 simple plans, making the selection process easy. The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan.

HSC has coverage caps of around $2,000 for most systems and appliances, but with some plans, the coverage caps can be higher, so it's important to ask the company. Service fees are $60, $75, or $95, depending on the plan you choose. Plus, HSC offers quick coverage just 10 days after purchasing the policy and a 30-day labor guarantee and a 90-day parts guarantee.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Standard Coverage Plan $50.40 $60.00 - $95.00

View 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.

Standard Coverage Plan Included Item

View 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.

Standard Coverage Plan Add On

Comprehensive Coverage Plan $62.90 $60.00 - $95.00

View 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.

Comprehensive Coverage Plan Included Item

View 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.

Comprehensive Coverage Plan Add On

#6 First American Home Warranty

Editorial Rating 94.7

    Pros:
  • 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

In San Diego, First American Home Warranty offers the best appliance home warranty option. First American has 2 plans for homeowners to choose from, which contain a mix of appliance and system coverage. Its plans are Basic Plan and Premier Plan.

First American's service fees are $85, and the coverage caps come out to about $1,500 for each appliance or system. If you want comprehensive appliance coverage and a unique add-on that 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., this is the plan for you.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Basic Plan $38.00 $85.00

View Items Covered

Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Trash compactor, Washer, Water dispenser.

Basic Plan Included Item

View Add-on Items

Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade.

Basic Plan Add On

Premier Plan $48.50 $85.00

View 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.

Premier Plan Included Item

View Add-on Items

Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade.

Premier Plan Add On

What does a Home Warranty Cover in San Diego?

A home warranty will cover home systems and appliances and the normal wear and tear that they can experience. A home warranty in San Diego can cover any system or appliance from a refrigerator to a heating system and everything in between. Some home warranties will even cover your home's roof should there be a leak.

Here are the common systems covered under a home warranty:

  • Water heater
  • Plumbing system including stoppages
  • Electrical system
  • Garbage disposal
  • HVAC ductwork
  • HVAC (heating and air conditioning)
  • Ceiling and exhaust fans

Common appliances covered under San Diego home warranties include:

  • Clothes Washer
  • Clothes Dryer
  • Oven / Range / Stove
  • Cooktop
  • Built-in Microwave
  • Dishwasher
  • Refrigerator

Cost of a Home Warranty in San Diego?

San Diego homeowners that are worried about the costs should have a general idea as to what home warranty policies cost on average. The costs of a home warranty plan depends on the size of your home and the coverages that you choose.

Your premium can range from $30-$80 per month, and $60-$150 for the service fee you'll pay each time a technician visits your home for a repair. The exact amount you'll pay depends on the type of coverage the plan has. Also, if you get any add-ons, that will affect the cost. Those who are looking for a deal can use these numbers to help find the best overall pricing.

Is a Home Warranty Worth It in San Diego?

Many people that sign up for a home warranty in San Diego are trying to save money. However, there are additional benefits, as well as some potential disadvantages, of a home warranty that homeowners should be aware of. Let's go over the benefits first:

  • Workmanship guarantee--This makes sure that in case the problem with your appliance or system isn't resolved the first time, the home warranty will keep helping you with it.
  • Peace of mind--Having a home warranty in place means that you can have peace of mind about the costs of repairs. With a home warranty, you will have a general idea that the fix is just going to be a service fee, which can help reduce your worries as a homeowner.
  • Fast response times--If you do not have a home warranty plan, you must look for a contractor, make an appointment with them, and hope they arrive on time to repair the issue. But, with the quick response times of a home warranty, you will likely have your appliance or system fixed in a 24-48 hour window.

Home warranty plans can help protect you from large expenses, but you must also take the following into consideration when planning on getting a home warranty:

  • Coverage cap--Typically there will be a coverage cap for each appliance or system, which is the highest amount the home warranty will pay for a repair or replacement.
  • Waiting period--If you want to submit a claim right away, that generally isn't possible. Most home warranties require you to wait 30 days before you can submit a claim.
  • Exclusions--Home warranty policies typically come with exclusions and things they won't cover, such as pre-existing conditions or damage due to lack of proper maintenance.

A home warranty can also raise the value of your home if you want to sell since you can transfer it to the new homeowner.

FAQ's for Home Warranties in San Diego

What's the best home warranty company in San Diego?

Our overall pick for the top home warranty provider in San Diego is Choice Home Warranty. However, the best company for you depends on the coverage you need for the appliances and systems in your home.

What's a home warranty?

A home warranty is a kind of contract that covers the repairs and replacements of your major home systems and appliances if they fail unexpectedly.

Should I purchase a home warranty now?

Since home warranties generally have a 30-day waiting period before you can file a claim, you may want to purchase a home warranty as soon as possible to ensure coverage when you need it, particularly if your home or appliances are on the older side.

Should I get a home warranty policy?

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

Our Rating Methodology

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our top home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what we value in our review process:

  • Plan options: Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics: The more items covered in a home warranty plan, the higher the score.
  • Pricing: We take the monthly fee and service fee into consideration when rating pricing.
  • Trustworthiness: We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability: Finding coverage in your state can be a challenge if home warranty companies aren't located there. The more states covered, the higher the score.
  • Customer service: Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
  • Additional benefits: Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.

Of the 50 different companies that we've reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

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