Best Home Warranty Companies in California

Finding the best home warranty providers in California is easier than you think. Unlike some states, California has regulations in place that require home warranty providers to be licensed. With policy and regulations always on the move, you need to be aware of which warranty services can provide you with the best warranty to get the best deal and service.

The best home warranty providers do more than offer you maximum protection for your major home appliances and systems. They also offer peace of mind and a level of customer-centric professionalism that’s hard to beat.

Lending Partner
Trade Service Fee
Average Monthly Cost
Premade Plans
Add-on Coverage
  • America’s 1st Choice
    Trade Service Fee:
    $75–$125
    Average Monthly Cost:
    $30–$40
    Premade Plans:
    4
    Add-on Coverage:
    12
  • First American
    Trade Service Fee:
    $75
    Average Monthly Cost:
    $32–$43
    Premade Plans:
    2
    Add-on Coverage:
    5
  • Choice Home Warranty
    Trade Service Fee:
    $85
    Average Monthly Cost:
    $40–$50
    Premade Plans:
    2
    Add-on Coverage:
    10
  • Cinch Home Services
    Trade Service Fee:
    $100-$150
    Average Monthly Cost:
    $20–$40
    Premade Plans:
    3
    Add-on Coverage:
    6
  • American Home Shield
    Trade Service Fee:
    $75–$125
    Average Monthly Cost:
    $30–$50
    Premade Plans:
    3
    Add-on Coverage:
    6
  • Global Home Protection
    Trade Service Fee:
    $75–$100
    Average Monthly Cost:
    $28–$48
    Premade Plans:
    5
    Add-on Coverage:
    8

In this article

    The 5 best home warranty companies of 2019

    CompanyPremiumsDeductibleEDOC
    2-10 Home Buyers Warranty$399 to $599$8530 days
    American Home Shield$420 to $720$75 to $12530 days
    First American Home Warranty$300 to $534$7530 days
    Home Service ClubStarts at $400$65 to $12530 days
    HomeServe$444 to $636$75 to $12530 days

    The 5 best home warranty companies of 2019

    Best for whole-house protection – 2-10 Home Buyers Warranty

    2-10 Home Buyers Warranty offers coverage for a select list of major household systems and appliances. Additionally, they also offer a comprehensive list of add-on coverage for things like attic and exhaust fans, pipe leaks, wiring, switches and outlets.

    Trade Service Fee
    $85–$125
    Average Monthly Cost
    Starting at $37
    Premade Plans
    3
    SimpleScore
    3.5 / 5.0
    close
    SimpleScore 2-10 Home Buyers Warranty 3.5
    Average Monthly Cost N/A
    # of Extra Coverage 4
    Support Channels 3
    Trade Service Fees 3
    Number of Pre-Made Plans 4

    Established in 1983, 2-10 Home Buyers Warranty has been serving homeowners, builders and realtors with home warranty services for 36 years. It is headquartered in Colorado and has a partnership with two trade organizations: the National Home Service Contract Association and the National Association of Home Builders.

    One of the things that sets this company apart is that it goes beyond standard home warranty offerings and also offers separate coverage for structural aspects of your home. This protects you if your house requires workmanship on specific load-bearing structures and systems.

    Best for self-customization plans – American Home Shield

    American Home Shield has a lot of flexibility to offer homeowners looking for coverage options. It has four different plans to choose from. Its appliances plan covers 10 different major appliances. The systems plan covers 11 major household systems. The combination plan is the most comprehensive and combines the latter two.

    Trade Service Fee
    $75–$125
    Average Monthly Cost
    $30–$50
    Premade Plans
    3
    SimpleScore
    3.6 / 5.0
    close
    SimpleScore American Home Shield 3.6
    Average Monthly Cost 4
    # of Extra Coverage 3
    Support Channels 4
    Trade Service Fees 3
    Number of Pre-Made Plans 4

    American Home Shield is a warranty provider headquartered in Tennessee. It has been providing home warranties since 1971. What began as an individual company later became part of the ServiceMaster group under the FrontDoor brand.

    They also offer homeowners a way to customize their coverage needs by choosing 10 or more items from their select list of appliances and systems. That way, you can cover only those things that matter most to you.

     

    American Home Shield Disclosure
    • Over 45 years of helping homeowners.
    • We pay more in home warranty claims.
    • Your new go-to when things go wrong.

    Best for coverage upgrades – First American

    Established in 1994 and headquartered in Santa Ana, California, First American Home Warranty is another great pick. It is primarily a nationwide company, but it does not service New York and a few other states. Call to confirm coverage is available in your area before you buy. If you want to view First American’s plans, you’ll need to use the online quote tool.

    Trade Service Fee
    $75
    Average Monthly Cost
    $32–$43
    Premade Plans
    2
    SimpleScore
    3.6 / 5.0
    close
    SimpleScore First American 3.6
    Average Monthly Cost 4
    # of Extra Coverage 3
    Support Channels 3
    Trade Service Fees 5
    Number of Pre-Made Plans 3

    First American Home Warranty offers two main warranty plans: basic and premium. The basic plan covers select major household appliances while the premium plan includes the basics plus a select list of household systems.

    If there is something missing from either plan that you want covered, be sure to check the add-on coverage plans, which include separate coverage for electric central air conditioning, additional refrigeration, pool/spa equipment and well pump.

    The first class upgrade add-on coverage feature is what sets this home warranty company apart because it will cover some of the little things not otherwise covered for your specific warranty plan.

     

    First American Disclosure
    • Flexible payment options
    • If we can’t repair it, we’ll replace it
    • Network of prescreened, qualified technicians
    • Request service 24 hours a day, 365 days a year
    • Experience and stability you can trust

    Best for overall customization – Home Service Club

    Home Service Club focuses on its customers and proudly boasts that it’s one of the top five warranty provider spots in the country. It is a private company, established in 2008 and headquartered in New York.

    Trade Service Fee
    Not Listed
    Average Monthly Cost
    Not Listed
    Premade Plans
    2
    SimpleScore
    4 / 5.0
    close
    SimpleScore Home Service Club 4
    Average Monthly Cost N/A
    # of Extra Coverage 4
    Support Channels 5
    Trade Service Fees N/A
    Number of Pre-Made Plans 3

    This company believes in customized plans that make sense for the homeowner. Deductibles for trade service vary depending on the level of risk that you’re willing to accept, but range from $65 to $125. The higher the deductible for trade service, the lower the risk.

    Home Service Club offers homeowners two different warranty plans to choose from: standard and comprehensive coverage. The standard plan covers 18 select household items while the comprehensive plan covers 33 — everything from the standard plan, plus more. The company also offers up to 12 optional add-on plans for things like pools and spas, jetted bathtubs, the roof and more.

     

    Best for variety – HomeServe

    The London Stock Exchange is not exactly where most Americans would look for a home warranty provider, but this last one hits the spot. HomeServe has been around since 2003 in the U.S., but it began in the U.K. HomeServe is a subsidiary of HomeServe Plc., which is listed as one of the top 200 U.K. companies on the London Stock Exchange.

    Trade Service Fee
    Not Listed
    Average Monthly Cost
    Not Listed
    Premade Plans
    9
    SimpleScore
    4.3 / 5.0
    close
    SimpleScore HomeServe 4.3
    Average Monthly Cost N/A
    # of Extra Coverage 4
    Support Channels 4
    Trade Service Fees N/A
    Number of Pre-Made Plans 5

    The U.S. headquarters are situated in Connecticut and the company proudly serves over 4 million customers with 5.6 million contracts. In addition to warranty repairs and replacements, HomeServe also offers a 1-year guarantee on all warranty repairs with the exception of surge repairs, which come with a 90-day guarantee.

    As for warranty plan offerings, this company offers a lot of variety. Its core plans include appliances, systems and a combination of the two. Beyond that, there is ample room for adding additional coverage to customize a plan that makes sense for you.

     

    What is a home warranty?

    A home warranty is an annual service agreement between you and a warranty provider to cover the unexpected cost of specific repairs and replacements of household items like major appliances, plumbing and HVAC. A home warranty provides assurance and peace of mind when you need it.

    A home warranty differs from home insurance, which generally covers the cost of loss and damages to your home and belongings. Home insurance is a type of property insurance. A home warranty is not the same as insurance, but does complement it since it covers the cost of unexpected repairs or replacements of specific household items due to normal wear.

    How should I choose the right home warranty plan?

    Choosing the right home warranty plan anywhere is daunting, but that is even more true in California, where there is more regulation and fewer licensed warranty providers.

    “It is of the utmost importance to homeowners that entities are licensed in the states in which they operate,” said David Moreno, co-owner of Liberty Home Guard, a rising home warranty provider.

    “California requires all home warranty providers to be licensed as home protection companies with the California Department of Insurance,” Moreno said. “California residents need to be vigilant and take the extra step to ensure that whoever they plan on giving their hard-earned money to is licensed and in good standing with the state.”

    This opinion comes from an objective place, as Liberty Home Guard is not licensed in the state of California, and consequently does not sell in the state of California.

    Methodology

    SimpleScore

    The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.

    For every review, our editorial team:

    • Identifies five measurable aspects to compare across each brand
    • Determines the rating criteria for each aspect score
    • Averages the five aspect scores to produce a single SimpleScore

    Here’s a breakdown of the five aspect scores and their rating criteria for our review of the best home warranty companies of 2020.

    Why do some brands have different SimpleScores on different pages?

    To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

    However, it’s also possible for brands to have multiple SimpleScores. For example, when we apply our methodology to Chase’s stock trading product, it scores a 3.6 out of 5. On the other hand, when we compare Chase checking accounts, it scores a 4.4 out of 5. this is because we each criterion for every category is different to account for different industry standards and product offerings.

    Questions about our methodology?

    Email Hayley Armstrong at hayley@thesimpledollar.com.

    Average monthly cost

    Many home warranty companies advertise a range of monthly costs for their home warranty plans. We took the average of these costs and assigned SimpleScore aspects based on the amount.

    Add-on coverages

    Home warranty usually just covers kitchen appliances and HVAC systems. However, homes have so much more than that. We gave higher scores to home warranty companies that offer a variety of add-ons to home warranty coverages, such as pool, washer/dryer, guest houses and more.

    Customer support

    When it’s time to file a home warranty claim or homeowners have questions, how can they contact support? The SimpleScore rewards home warranty companies with more channels of customer support.

    Trade service fee

    Much like a deductible, a trade service fee is the fee homeowners pay for each service call. The lower the service fee, the higher the score that the brand gets. If the trade service fee was a range or differed among plans, we took an average of the fees advertised.

    Number of pre-made plans

    Sometimes it’s just easier to pick a package and get your home warranty coverage started. That’s why we awarded companies with more premade plans higher scores.