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Best Home Warranty in San Diego, CA

best home warranty company in san diego review

San Diego, California is known for amazing weather, access to plenty of outdoor activities, and some of the best quality of life in the country. If you are lucky enough to call San Diego home, you are likely aware of some of the issues that make homeownership in this area a bit more challenging. Homeowners here are subject to a high cost of living, and even just a simple appliance or system repair could impact a homeowner’s budget. In our guide featuring the top 4 best home warranty companies in San Diego, we will cover . . . 

  • Who needs a San Diego home warranty? 
  • Why a home warranty in San Diego is so important
  • The best home warranty companies in San Diego
  • How much a California home warranty costs 
  • And much more . . .

A home warranty is a savings plan that will help protect a homeowner’s budget and savings from the high costs of system and appliance expenses. If you are tired of paying out of pocket each time your refrigerator or microwave needs to be repaired, the home warranty can be a perfect solution. Let’s take a look at the top four California home warranty companies in San Diego.

Editor's Choice

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Best Overall

Limited Offer: $50 Off + 1 month free
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Most Affordable

Limited Time: $150 Off + 2 Free Months + roof coverage
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The 4 Best Home Warranty Companies in San Diego

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 98.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.60
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim

Our highest-rated home warranty companies in San Diego include:

Compare San Diego Home Warranty Providers

There are dozens of home warranty companies in San Diego to choose from. These home warranty companies will vary in the pricing and the features that they offer. At Review Home Warranties, we carefully reviewed all of the home warranty plans on the market to determine which ones will be best for your needs. We looked at things like customer service reviews, workmanship quality, service fees, coverage options, and more. Here is how the top four home warranties in San Diego ranked. 


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Best For

Monthly Cost

Service Fee

BBB Rating

Choice Home Warranty


Best Overall

$40 – $48



American Home Shield


Most Customizable

$50 – $60

$75 – $150


Select Home Warranty


Most Affordable

$36 – $38



Cinch Home Services


Best Workmanship

$28 – $40

$100 – $150


San Diego Home Warranty Costs 

The price you pay for your San Diego home warranty is a major consideration. When a home warranty is too expensive, you may not feel as though it is actually helping you save money throughout the course of the year. Since we know that homeowners care quite deeply about the costs of a home warranty, we did in-depth research to determine the average cost of a San Diego home warranty. These costs will change depending on the type of home you have and the coverages you choose. 


Average Annual Premium



Single Family Home










Home Over 5,000 sq ft


Home Under 5,000 sq ft


San Diego Home Warranty Company Reviews

As you look through the different top home warranty choices on the market, it is essential to consider the coverages that all of the plans have. Take a walk around your San Diego home and try to consider which items you will want to ensure are covered under the home warranty plan. For some homeowners, the coverage will have systems and appliances, and others will just want a few of the items in their homes covered. Ultimately the best plan will offer the most coverage at the fairest price. 

1. Choice Home Warranty: Best Overall 

Choice Home Warranty is the best overall home warranty for San Diego homeowners. With a San Diego home warranty, you will get fair pricing, impressive customer service, and an easy-to-understand service contract. Choice Home Warranty makes choosing a home warranty plan quite simple. You will not have to worry about fine print or confusing language, as Choice makes things quite straightforward for their customers. With more than 13 years in the industry, Choice Home Warranty offers customers some tremendous benefits. 

The Choice Home Warranty plan features low pricing and fair service fees as part of their contract. In addition, both plan options from Choice have a mix of both systems and appliances. This makes it much easier to choose the coverages that you need for your home. 



  • Comprehensive coverage options 
  • Easy to understand service contract
  • Low pricing
  • Fair service fees 
  • Great customer service
  • Only two plans to choose from 
  • No custom plan options 

Plans and Pricing

There are two Choice Home Warranty policies for homeowners to choose from. The Total Plan tends to be the best overall home warranty for the San Diego homeowner. This plan has HVAC and refrigeration coverage that the Basic Plan will not have. 


Cost Per Month

Service Fee

Basic Plan



Total Plan




Choice has some of the highest coverage caps in the home warranty industry. Homeowners will benefit from $3000 coverage caps as part of the home warranty plan. Coverage caps this high are a good choice for those that have high-end systems and appliances. 

Customer Reviews:

The staff at Choice Home Warranty did an excellent job at addressing the issues with my water heater. My issue was handled very promptly, professionally, and expediently. I would highly recommend Choice Home Warranty to my family and friends. I have renewed my warranty over several years. I have never been disappointed with the service.” Source

2. American Home Shield: Most Customizable 

The American Home Shield home warranty is the most customizable home warranty plan in the industry. With the American Home Shield home warranty, homeowners can pick and choose the coverages that they would like for their San Diego home. American Home Shield has some premium home warranty coverages and a very large network of repair technicians and contractors. Having the ability to customize service fees and monthly costs is just another great benefit of the American Home Shield home warranty. 

With American Home Shield having been on the market for more than 50 years, they are without a doubt one of the leaders in the home warranty industry. If you are worried about a companies attention to detail and customer service, choose American Home Shield and experience a premium home warranty company. 



  • Customization of plan options
  • Can choose a pricing/service fee that works for your budget
  • More than 50 years of experience
  • High coverage caps
  • Large network of contractors 
  • Pricing of the plan tends to be a little higher than other home warranties 

Plans and Pricing

The three home warranty plans from American Home Shield are considered premium home warranty plans. The Platinum Plan is one of the most extensive plans on the market, covering a large selection of systems and appliances. 


Cost Per Month

Service Fee

Silver Plan


$75 – $125

Gold Plan


$75 – $125

Platinum Plan


$75 – $125


The coverages from American Home Shield have very high coverage limits. Coverage limits will typically be around $2500. This is almost as high as Choice Home Warranty and certainly above average. For San Diego homeowners with a pool or spa, AHS has add-on coverages that can help protect against major issues in systems and appliances. 

Customer Reviews:

Our problem was solved promptly, and our microwave was replaced. The company sent to diagnose the problem was professional and the one installing the new one the same. We were impressed with the correspondence from AHS, keeping us informed with the progress. If all experiences happen this way we will definitely continue with AHS..Source

3. Select Home Warranty: Most Affordable 

The Select Home Warranty is the most affordable home warranty plan in the industry. The Select Home Warranty offers high workmanship quality and affordability for more than nine years. This time spent in the industry has helped Select Home Warranty establish a wide range of contractors and technicians that can help to ensure a quality repair or replacement for your home. Select Home Warranty offers free roof leak coverage when you purchase the Platinum Care plan. 

For a home warranty to make financial sense, it must justify the costs that you put in. With a fair service fee and affordable monthly cost, Select Home Warranty makes an excellent option for homeowners that are budget conscious. In addition, first-time homebuyers often tend to enjoy the coverage that Select has to offer. 



  • Clear and concise plan options
  • High workmanship quality
  • Free roof leak coverage with plan 
  • Affordable home warranty plan 
  • Coverage caps tend to be slightly lower 

Plans and Pricing

There are three home warranty plans for Select Home Warranty homeowners to choose from. The service fee associated with these home warranty plans is relatively low. The Platinum Care plan tends to be the best choice with the Select Home Warranty. Customers pay just a few dollars more per month, and they get all the coverages of the Gold Care, and Bronze Care plans combined. 


Cost Per Month

Service Fee

Gold Care



Bronze Care



Platinum Care




The coverage from Select Home Warranty will include quite a few items, but the coverage caps are a little lower than other home warranty plans. Coverage caps from Select Home Warranty are not a good match for those with high-end systems and appliances. 

Customer Reviews:

Our refrigerator wasn’t working, and we almost bought a new one when I remembered our home warranty. I called, and a technician called us back and ordered a new part. We, unfortunately, had to wait a week for the part, but that’s life these days. Our technician **** came and installed it. When he called later to check on it, our fridge still wasn’t cold enough, and he came back a second time and got it working fine. All for the price of my deductible! Better than buying a new refrigerator. Great service!”  Source

4. Cinch Home Services: Best Workmanship

The Cinch Home Services offers the best workmanship guarantee for San Diego homeowners. With Cinch Home Services, you get a 180-day workmanship guarantee on all home system and appliance repairs. This means that you will rarely be paying a service fee twice. Homeowners can rest assured that only the highest quality technicians and repair personnel are working on their appliances and systems. 

With Cinch Home Services having been in the industry for more than 40 years, they are without a doubt a leader in the industry. Cinch Home Services offers fair pricing, quick response times, and a wide range of coverage options for customers. Cinch Home Services is a well-respected brand in the industry and one that many San Diego homeowners trust with their homes. 



  • 180-day workmanship guarantee
  • Great customer service
  • More than 40 years in the industry 
  • Extensive coverage options 
  • Service fees are higher 

Plans and Pricing

There are three home warranty plans from Cinch Home Services. The Complete Home Plan is the best overall option with both system and appliance coverage. The service fee associated with the Cinch Home Services home warranty is quite a bit higher than others on the market, but you get some great value with this plan. 


Cost Per Month

Service Fee

Appliances Plan


$100 – $150

Built-In Systems Plan


$100 – $150

Complete Home Plan


$100 – $150


The coverage from Cinch Home Services is extensive in the number of items it covers, and the coverage caps are a bit higher than average. Homeowners interested in improving their peace of mind and lowering overall home warranty costs will greatly benefit from the Cinch Home Services home warranty plan. 

Customer Reviews:

There are a lot of home warranties out there. Some of them advertise on TV every five minutes. Total Protect, however, hardly advertises because they care more about customer care and service. The contractors they hire love them, and us customers who use these contractors are happy. I have used Total Protect about two or three times a year for different problems, and these contractors are honest, efficient, and friendly. Before you get any home warranty company, check Total Protect out. You will not be disappointed. Source

What Does a Home Warranty Cover in San Diego

A home warranty in San Diego is a protection plan that will protect against repair costs associated with home systems and appliances. The San Diego home warranty can protect against anything from an electrical system or septic system to a furnace or a dishwasher. The plan is designed to protect against normal wear. If there are issues that come up because of lack of maintenance or problems related to intentional breakage, the home warranty will not cover it. 

Home warranty plans require you to keep your home systems and appliances in top working order. Some companies like Cinch Home Warranty will even include a credit towards things like AC filters that can help avoid home warranty repairs. The home warranty is different than homeowners insurance in that it won’t protect against natural disasters. 

Here are the common systems covered under a San Diego home warranty plan:

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

Common appliances covered under San Diego home warranties include:

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

Benefits of a Home Warranty in San Diego

Having a home warranty in place will help you protect your budget and keep your spending in check. However, there are other essential benefits to having a home warranty in place. These include peace of mind, quality contractors, and fast response time. Let’s take a look at how these can help you benefit from a home warranty plan in San Diego. 

Peace of Mind

A home warranty in San Diego, and other cities like Anaheim, Fresno, Los Angeles or Sacramento will give you peace of mind about the issues you may experience in your home. California homeownership is very expensive, and therefore it can be stressful. If you want some peace of mind about being able to afford your San Diego home, the home warranty is a great way to do it. 

Quality Contractors 

Have you ever had a hard time finding a high-quality contractor to help you with your home warranty needs? Quality contractors can be hard to come by, but with a home warranty in place, you will not need to worry. Home warranty contractors are well qualified, and they go through specific training to ensure they can meet the needs of their customers. 

Fast Response Times 

With a home warranty in place, you will get a response to your home warranty request within about 24 to 48 hours. For a homeowner without a home warranty, it could take days or even a week to get the response that you need to your home warranty request. 

Final Thoughts

We hope that you now feel as though you have the information you need to choose the best home warranty for your San Diego home. San Diego home warranties will help you save both time and money. The best overall home warranty for San Diego homeowners is the Choice Home Warranty. With more than 13 years of industry experience and impressive coverage options, Choice stands out as an affordable and smart solution. When you are shopping for a home warranty, it makes sense to get more than one quote. These extra quotes help ensure that you get the cover and pricing you need for your home. 

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 our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): 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 (10): 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 (5): 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.

FAQs for Home Warranties in San Diego

What Is A Service Fee? 

A service fee is a cost you pay each time you need a repair as part of your home warranty plan. The service fee should be the only cost associated with a home warranty. Most service fees will range in price from around $60 to more than $150. The higher-priced service fees sometimes come with a longer workmanship guarantee. 

Are California Home Warranties Worth It? 

California home warranties are worth the price you will pay. With a California home warranty, homeowners will be able to protect their budget from a costly repair, especially to an electrical system, HVAC, or plumbing system. California homeownership is expensive, and having the home warranty in place will certainly help to decrease overall costs. 

How Much Is A California Home Warranty? 

A California home warranty is priced between $450 a year and more than $1000 a year. Considering the high costs of California homeownership, the home warranty costs are relatively affordable. With a California home warranty in place, it will only take one or two repairs for you to see the plan costs justify themselves for the entire year. 

Do Home Warranties Cover Replacement Costs? 

A home warranty will cover replacement costs. However, this does not necessarily mean that if you need a replacement appliance or system, you will simply get a new one. The coverage caps and age of your current appliance will factor into the replacement cost associated with the plan. Although a home warranty plan may not fully cover a replacement, you will definitely notice some cost savings that make the coverage worth it.