6 Best Home Warranty Companies In San Francisco, CA

With our guide on the top home warranty policies in San Francisco, picking the perfect one for you will be easy.

In San Francisco, buying a home can be an exciting, yet difficult endeavor. When an appliance or system decides that it is done working suddenly, it can bring about quite a bit of stress. Finding a expert repair technician and having the repair done without costing you a lot can be a hard task.

Compare the Best Home Warranty Companies in San Francisco

San Francisco has many home warranty plans. Finding something that is the right fit for your home can be a bit difficult. Luckily we have taken into consideration things like coverage choices, pricing, service fees, customer service reviews, and more for each provider to help you choose one. This is how the top companies in San Francisco 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 Francisco

  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 Francisco'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 has the best overall home warranty in San Francisco. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. Homeowners can choose between Choice Home Warranty's Basic Plan and Total Plan and also add-on coverage.

The coverage limits from Choice are about $3,000. The service fees are $85, which is pretty reasonable. With a home warranty from Choice, you can benefit from high coverage caps and a contract that's easy to understand.

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

American Home Shield is a great choice for homeowners who want the most customizable in San Francisco. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options. The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum.

Service fees from AHS range from $70 to $125. The coverage caps are also typically about $2,500. AHS is known as a company with 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

Select Home Warranty is a great option for homeowners who want the most cost-effective in San Francisco. Select has 3 simple plans, making the selection process quick and easy. The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.

Select's service fees are $80, and the coverage limits come out to about $2,000 for each covered appliance or system. When you purchase a plan from Select, you can look forward to 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 the best choice for homeowners who want the best workmanship guarantee in San Francisco. Cinch offers 3 plans for you to choose from, which contain a combination of appliance and system coverage. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the names of the company's plans, and it also has add-on options.

The coverage limits from Cinch are around $1,000-$2,000. The service fees range from $75 to $150, which is fairly reasonable. If you'd like a 180-day workmanship guarantee and a wide range of coverage options, this is the home warranty for you.

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 Francisco, The Home Service Club offers the best quick service home warranty option. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible. The home warranty plans from The Home Service Club include 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 provider. Service fees are $60, $75, or $95, depending on the plan you choose. When you have a home warranty from HSC, you can benefit from 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 Francisco, First American Home Warranty is the best appliance home warranty plan. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible. Homeowners can choose between First American Home Warranty's Basic Plan and Premier Plan and also add-ons.

Service fees from First American are $85. The coverage caps are also typically around $1,500 at the maximum. Additionally, First American has 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.

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 Francisco?

A home warranty policy in San Francisco is put in place to help when your systems and appliances fail due to normal wear and tear. The point of a home warranty is to help you with expenses related to repairing and replacing your systems and appliances like your microwave or septic system. If your property has a pool and spa, this is something to take into consideration as well.

Here are some common systems covered under a home warranty plan:

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

And the common appliances covered include:

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

Cost of a Home Warranty in San Francisco?

Having a general idea of the average costs of a home warranty before doing your shopping can help ensure you're getting the best deal on it. The costs associated with a home warranty plan depends on the size of the home and the coverages that you select.

In general, service fees range from $60 to $150 and monthly cost from $30 to $80, depending on how much coverage you choose. What will also change the overall cost is the add-on coverage you choose. Homeowners who are looking for a deal can use this information to help find the best overall pricing on the market.

Is a Home Warranty Worth It in San Francisco?

Most homeowners signing up for a home warranty in San Francisco are looking for cost savings. However, there are other benefits, as well as some potential downsides, of a home warranty that homeowners should be aware of. Let's go over the benefits first:

  • Fast response times--Without a home warranty, you may have to wait several weeks for a contractor to come do the repair. But you can usually get service within a 24-48 hour period with a home warranty.
  • Quality contractors--It can be challenging to find good quality contractors with fair pricing. With a home warranty, you just submit a claim, and the rest is handled for you.
  • Peace of mind--If you are always concerned about the next problem that'll come up regarding your home systems and appliances, a home warranty can help you give you some peace of mind.
  • Workmanship guarantee--After getting a repair, if the problem returns within the guarantee period, the home warranty will step in once again to help. The guarantee period is usually between 30 and 90 days.

There are also some conditions to consider about home warranties that could be a downside for homeowners, especially:

  • Waiting period--Coverage for a home warranty usually only begins 30 days after getting the policy.
  • Coverage limit--The coverage caps may be a downside for some since the home warranty will only pay for repairs and replacements up to a certain amount.

A home warranty can also have value in different ways. In particular, some home warranties can be transferred between owners when selling a home.

FAQ's for Home Warranties in San Francisco

Which home warranty company should I choose?

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

Should I buy a home warranty now?

If you have new appliances that are already covered by a manufacturer's warranty, you may want to wait until that warranty expires before buying a home warranty. Home warranty companies will only cover appliances and systems that aren't already covered by a warranty.

What types of things does a home warranty commonly cover?

Your home systems and appliances are covered under a home warranty in San Francisco. The plan you choose will affect which systems and appliances are covered, but everything from your fridge to your garage door can be covered under a home warranty.

Should I get a home warranty?

A home warranty policy can help home sellers, homeowners, real estate agents, investors, and home buyers. It can provide peace of mind to anyone involved in homeownership.

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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