Do you need to know the best home warranties in San Diego to protect your property?
Absolutely! In this guide, you’ll learn:
- Do you need a home warranty in San Diego?
- What home appliances and major systems should you cover in San Diego?
- Is it worth it for you in San Diego to purchase home warranty coverage?
- And more!
The truth is, there is no right home warranty plan or provider for every property owner. You have a lot to think about when purchasing a home warranty. After reviewing nearly 70 home service providers, we put together this comprehensive guide to help you get the most out of your plan.
Continue reading to learn more!
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Top Home Warranty Companies for San Diego Homeowners
American Home Shield is one of the first companies that started providing home warranty services to homeowners and real estate agents. The company offers a variety of contracts, including customized plans.American Home Shield Review
Majority of Client Reviews Online Are Positive
Clearest Terms and Conditions
Highest Contractor Professionalism
Best Gold Plan ("Platinum Care")Select Home Warranty Review
Industry Veteran Award
Large and established company
Top 3 Cheapest Plans ($25/month)
Low optional coverage costs
Coverage is capped at $500
Limited Selection of Optional Coverage ItemsFirst American Home Warranty Review
24/7 service calls
Lower chance of claim denial
Limited social media presence
Limited plan options2-10 Home Buyers Warranty Review
Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.
Compare Home Warranty in San Diego
What's In This Guide?
San Diego is known for its high-energy beaches, life out on the water and family attractions like Legoland and the zoo. While deciding which part of the city to explore might be a difficult decision, the choice to own home protection for your appliances and systems is a no-brainer.
Your broken HVAC system or malfunctioning washing machine doesn’t need to take the fun out of your California adventures. That’s why we recommend reading this review on the top-rated home warranty plans in your area in full so you know exactly what to look for when choosing a company to fit your home needs.
Please note: as rule of thumb all companies that service California residents should be able to serve you if you live in the San Diego metro.
Who Needs A San Diego Home Warranty?
First of all, you are probably wondering if you even need a home warranty for your San Diego home. The truth is, homeowners, sellers, real estate agents, renters, and even your neighbors benefit when you invest in a policy.
Top 5 Best Home Warranty Companies In San Diego
|San Diego Company Name||Premium Per Month||Deductible|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|First American Home Warranty||From $28 to $42.50||From $75-$100|
|Cinch Home Services||From $34.99 to $49.99||From $100-$150|
|2-10 Home Buyers Warranty||From $33.25 to $45.75||$85 flat rate|
As a homeowner, you have a lot to juggle. Between homeowners insurance, tax payments, yard maintenance, and other regular expenses, the last thing you want to do is worry about unexpected home repairs. A home warranty can help you budget for significant home system replacement and save money when you need minor repairs for kitchen appliances.
Are you a first-time homebuyer? San Diego is the perfect real estate market to begin in. Check out our tips for how a home warranty can help first-time buyers.
Home sellers & Real Estate Agents
Most people don’t think about home warranty policies for home sellers. However, they are a great idea if you have older systems or appliances or just want to ensure you are not stuck with a high repair bill before you close on your home. As you know, the cost of living in California is higher compare to other states, so it’s important to budget for home maintenance in San Diego, especially if your home is on the market and in escrow.
For realtors, home warranties help to protect their commission and prevent closing delays. Plus, when you invest in a seller policy, it is transferable to the new owner, which is an added incentive to purchase your home. Our recommended home warranty company in San Diego, Choice Home Warranty, offers a free transfer to a new homeowner.
Best 5 San Diego Home Warranty Companies
Renters & Landlords
Owning a rental property in San Diego is a great way to make some extra money. With the second-largest naval base right on the bay, a rental home is perfect for someone in the forces looking to live close to the base.
As for the landlords, when a tenant requests maintenance, the property owner has to spring into action. And tenants expect items like a broken AC or water heater to be fixed promptly.
As a landlord, you only have a short window to find a qualified service technician. So, many times, tenants end up with repairs that are not efficient, costing them more money in the long run. Or, in other cases, the landlord may not have money to make the necessary improvements when they are needed leaving the renter in a horrible position.
When the property is protected with a home warranty, neither party has to worry about not having the means to fix an essential home component.
What Should You Think About When Purchasing A Home Warranty in San Diego?
San Diego is a fantastic place to live. You are lucky to be close to beautiful beaches, a world-class zoo, the naval base and great city life.
Along with all of the beautiful aspects of living in a coastal city, there are some specific concerns homeowners have when it comes to maintenance and repairs. So, you should think of these things before you purchase a plan.
For the most part, the weather in San Diego is mild. During the summer, it is never hot for too long, and during the winter, temperatures are never uncomfortably cold.
Throughout the year, temperatures rarely get below the high-40s or mid-70s. However, you do need your furnace and perhaps your air conditioner from time to time.
The geography and location of San Diego are unique. The city sits on the Pacific Ocean, but unlike many other coastal towns, San Diego also has deserts, and the Laguna, Julian, and Cuyamaca Mountains. Los Angeles isn’t too far away either.
So, the terrain at your home may vary depending on your location in the city, but no matter where you live, your home systems are subject to harsh salt in the air that can wear outdoor components more quickly.
So, you should make sure you protect your plumbing, electrical, and HVAC systems under your home protection policy.
What Types Of Plans Are Available For You In San Diego?
There are three main plan types available for San Diego property owners, appliance, systems, and combo plans. Packages that include a specific kind of home components are the least expensive, but we recommend a combo plan for most homeowners.
Some companies only offer combo plans, and usually, when they do, they are available in tiers. An entry-level policy will cover close to a dozen or more items, including cooktops, dishwashers, garbage disposals, smoke detectors, ductwork, ceiling fans, garage door openers, plumbing stoppages, electrical systems, and more.
An advanced protection package may include items like your clothes washer and dryer, a refrigerator with icemaker, built-in microwave, air conditioning system, trash compactor, and central vacuum.
If the home service contract you select does not include all of your devices, you can add-on individual items for more comprehensive coverage.
Best San Diego Home Warranty Company?
American Home Shield stands out in the home warranty market as the #1 pick in San Diego, with almost 50 years of experience serving customers in CA. AHS has a large pool of vetted service providers and offers customizable coverage options.
How Much Does A Home Warranty Worth It In San Diego And Is It Worth It?
The cost of your plan will depend on the appliances and systems you cover. The most cost-effective way to cover the majority of your primary home components is to pick a combo plan. Comprehensive entry-level combo plans start around $35 per month, and top-tier programs are as much as $60 per month.
If you add coverage for additional home systems, it can cost you as much as $100 per year, depending on the item. So, if you add a few add-ons like pool and spa, HVAC system, and well pump coverage, you can expect to spend close to $1,000 a year.
However, experts suggest that homeowners should expect to spend at least one percent of the value of their home for maintenance and repair costs every year. A home warranty can help with that expense.
Plus, it gives peace of mind to homeowners on a tight budget that when a major system breaks, they will have the ability to replace it. Therefore, a home protection plan is worth it in terms of your return on investment and your quality of life.
Here is a video that covers the costs of a home warranty plan.
What Are The Home Warranty Regulations In California?
California is one of the states that does regulate home service companies through the Department of Insurance. Service providers in your area must apply to offer property protection contracts, just like homeowners insurance companies.
So, your home warranty service plan is subject to some of the same laws as your homeowners insurance policy, and the company you use must have a license to provide home warranty coverage in California.
For you, that means you have less to worry about in terms of picking a reputable company. However, it is still essential to do your due diligence when making any significant home purchase.
Home Warranty Reviews
You want to read reviews from consumers in your area on sites like the Better Business Bureau (BBB). Home protection can vary from state to state. A company that has an excellent network of service contractors in Florida or Arizona might not have a large pool available to service your San Diego home.
Reading local reviews can help you determine if other residents in your area experience delays for major appliancerepair services and if they have issues getting claims approved for covered items.
Best Home Warranty Companies in San Diego Reviewed
So, now that you know what to look for when shopping for a home warranty company in San Diego, here is our review of the top companies in your area. It contains a ranked list with the available plans and pros and cons for working with each.
#1 American Home Shield
American Home Shield (AHS) is one of the most well-established companies in the home warranty industry. Since 1971, homeowners, realtors, renters, and landlords have trusted AHS.
AHS has a proven record of success and a large pool of vetted service providers. You can also customize your coverage options.
Systems and appliance packages start at $49.99 per month. A build-your-own plan that includes 10 items for $54.99 per month and the combo plans start at $59.99 monthly.
- You have the option of customizing your coverage.
- AHS is a leader in the home warranty industry.
- AHS accepts claims on older appliances and devices.
- AHS plans are more expensive than some providers.
- Your appliance may not be replaced with one that is the same size or brand.
- AHS only guarantees contractor labors and parts for 30 days.
#2 Select Home Warranty
Our third choice for home protection in San Diego is Select Home Warranty. The plans are affordable, especially if you are interested in a comprehensive combo plan.
Coverage starts at just $35.83 per month for both the Bronze (appliances) and Gold Plans (systems). If you want to cover all of the major systems and devices in your home, the Platinum Plan is just $37.50 per month.
The service fees are also affordable at $75 per claim, and the plans come with complimentary limited roof leak protection.
- The plans are affordable.
- You pay a $75 service fee per claim.
- Limited roof leak protection is included in your plan.
- The service technician network is not as extensive as more established providers.
- Some consumers report service call delays.
- You only have three days to file claims.
#3 First American Home Warranty
First American Home Warranty is another excellent option available in San Diego. The plans are some of the most affordable home service coverage options available, and First American has been in the business for many years.
There are two plans available. The Basic Plan ($28 per month) covers your basic home appliances and systems, and the Total Plan ($42.50 per month) adds protection for your refrigerator, clothes washer and dryer, and your heating system.
It is important to note that HVAC coverage is not included in either of the plans. However, standalone coverage is available for your air conditioner.
- Coverage is available for less than $30 a month.
- The HVAC coverage is excellent.
- Service fees are between $75 and $100.
- The plans do not include HVAC coverage.
- The coverage options are limited.
- Plans automatically renew 30 days before your contract ends.
#4 Cinch Home Services
Cinch Home Services is our fourth choice for San Diego property owners. Cinch has been providing homeowners with protection for more than 40 years.
The home warranty packages from Cinch start at just $34.99 per month. The three packages available are an appliance, systems, and a combo plan. The service fees are $100 per claim, and the add on coverage options are also comparable with other providers.
- Coverage starts at just $35 per month.
- Service call fees are $100 per request.
- Cinch Home Services has a positive rating on the BBB.
- Some customers report additional service fees.
- There may be service call delays during some times.
- Replacement costs for older appliances may not be approved.
#5 2-10 Home Buyers Warranty
2-10 rounds out our list, but it offers excellent coverage and is trusted by many home builders and real estate professionals. We like 2-10 Home Buyers Warranty for homeowners with more expensive properties because the coverage limits are higher.
Coverage options include an appliance ($33.25 monthly), systems ($33.25), and combo plan ($45.75 per month). Service fees are set at $85 per claim, and all of the add-on coverage options are less than $30 a month.
- Real estate pros trust 2-10.
- You can start coverage for $33.25 per month.
- Replacement cost limits are high.
- 2-10 does not have a vast network of service providers.
- You may experience delays in service appointments.
- Reservice for contractor work is only guaranteed for 30 days.
Final Thoughts On Home Warranties In San Diego
There are many things that you have to think about while shopping for the best home warranty in San Diego. So, we hope this guide made it more straightforward.
Now that you have all of the information to choose a comprehensive plan that covers the most vital components in your home, you should get free quotes from some of the top home warranty providers in your area.
After you get a quote from each of the provides you are considering, review the plans side by side. By using the information in this guide and comparing your coverage options, you should be able to choose the perfect systems plan, appliances plan, or combo home protection package.
Be sure to read our other location articles that we’ve reviewed to compare coverage around the country. Living in San Diego you might want to also check out Los Angeles, Atlanta, Chicago, Dallas, Tucson, Washington D.C. and Colorado Springs.