California’s scorching heat and mineral-heavy water can wreak havoc on your home’s systems. A home warranty helps protect against these expensive surprises, and Liberty Home Guard (LHG) is the best choice for California homeowners.
Unlike many competitors, LHG covers up to two HVAC units in its standard plans—a major win for anyone battling the summer heat, especially in the Central Valley.
While there are plenty of home warranty options in California, Liberty stands out for its strong customer reviews, extensive add-on coverage, and competitive pricing. That’s why it’s the most popular choice among homeowners, with 40% opting for an LHG plan according to our surveys.
But if you’re looking for a budget-friendly alternative, American Home Shield (AHS) is worth considering. AHS covers up to $5,000 per HVAC system, even on its basic plan, making it a great option for high-value payouts.
To help you find the best home warranty coverage, I researched the top home warranty companies in California and evaluated each provider using Today’s Homeowner review criteria, which includes factors like plans and coverage, affordability, customer experience, company reputation, claims process, and availability. I also secret-shopped to get quotes from all providers and talk firsthand with their sales and customer service teams. If you’re a California homeowner who wants an appliance and system repair safety net, I recommend considering one of the top home warranty companies below.
This site receives compensation from the companies featured in this listing, which may impact where and how products appear. This listing doesn’t feature all companies, products, or offers that may be available.
Table of Contents
- Top 5 California Home Warranty Companies
- My Expert Recommendation
- Compare Best Home Warranty Companies
- Our Reviews of the Best Home Warranties in California
- California Home Warranty Costs
- California Home Warranty Regulations
- California-Specific Coverage Needs
- California Home Warranty News
- Frequently Asked Questions
Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information. Read our full Home Warranty Review Methodology for more details.
78 companies reviewed
152 quotes collected
6 rating factors
Top 5 California Home Warranty Companies
Key Takeaways
- For California homeowners who want a home warranty they can customize, I recommend Liberty Home Guard. It has the most optional add-ons of any provider, including coverage for saltwater pools, wine refrigerators, well pumps, and more. You can tailor your plan to your home's unique features. This flexibility is particularly valuable given the diverse homes found throughout the Golden State, from coastal cottages to desert villas.
- If you want the fastest repairs possible, consider American Home Shield (AHS). AHS stands out to me for settling most claims within 24 hours. In a state like California, where heat waves put more strain on home systems and lead to a higher chance of breakdowns, fast responses are critical. AHS also covers unknown preexisting conditions, which provides added peace of mind for owners of older homes.
- As you compare home warranty providers, I suggest you carefully review coverage for issues that can stem from the state's unique climate, such as AC breakdowns due to prolonged heat waves, plumbing problems caused by hard water, or electrical system malfunctions from power fluctuations. Don't forget to factor in coverage caps, service call fees, and any discounts to find the best value. Reading reviews from other homeowners in your area and talking to your neighbors can also offer some inside information about how providers handle claims for homes like yours.
My Expert Recommendation
After evaluating the top home warranty companies in California, I can confidently recommend Liberty Home Guard as the best choice for homeowners.
After evaluating the top home warranty companies in California, I can confidently recommend Liberty Home Guard as the best choice for homeowners. It has more than 40 add-on options — you can cover sump pumps, septic systems, saltwater pools, extra refrigerators, generators, well pumps, and even pest control and window cleaning. With all these options, you can tailor your plan to protect all the unique systems and appliances you have in your home. As someone who owns a home with uncommon items (like a septic system and well pump), I appreciate Liberty providing these types of coverage options for them. Liberty’s 24/7 emergency service also provides crucial peace of mind during California’s hot summers, when AC breakdowns can be particularly stressful.
For Californians with higher-end appliances or expensive systems, American Home Shield (AHS) is another reliable provider I recommend, thanks to their large coverage caps of $4,000 for appliances and $5,000 for home systems. These ample limits can help safeguard even the most expensive equipment. Plus, the company has 50+ years in business and is accredited by the Better Business Bureau, which gives me a lot of confidence in their dependability. However, I strongly suggest you carefully review the contract for exclusions before you sign up (as you should with any provider).
A good home warranty plan helps you even out your monthly budget and prevents you from draining your savings account or going into debt to cover appliance and home system repair costs. Home warranties cover the repair costs of your home appliances and systems that fail due to “normal wear and tear.” These plans protect you from sudden, unexpected large repair bills, as you pay a flat monthly fee along with a service visit fee, and your provider covers all repair and replacement costs (up to the coverage limits). A good home warranty plan helps you even out your monthly budget and prevents you from draining your savings account or going into debt to cover appliance and home system repair costs.
California Home Warranty Companies I Didn’t Include
While I love Elite Home Warranty (EHW) coverage options and high caps, I can’t include them as a recommendation for California homeowners because they’re not yet available in the state. EHW has generous coverage caps — up to $6,000 for appliances and $10,000 for home systems. Additionally, EHW has a wide range of optional add-ons (26 in total), which allows you to protect even more home systems and appliances. As a homeowner, I appreciate this flexibility. If EHW expands its service to California in the future, I’d definitely add it as a recommendation for homeowners in the state.
I also won’t recommend Choice Home Warranty to California residents because of a consumer fraud lawsuit filed by the Arizona Attorney General against them. Until the case comes to a ruling or settles, I just don’t feel comfortable recommending Choice Home Warranty to anyone. If the ruling shows Chocie acted in bad faith, I’ll continue to not recommend them. However, if the case is dismissed, I’ll reevaluate Choice Home Warranty as a potential option for California residents.
Compare The Highest Rated Home Warranties In California
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|
Company
|
Rating
|
Monthly Cost
|
Service Fee
|
Response Time
|
BBB Rating
|
Link |
|---|---|---|---|---|---|---|
 Liberty Home Guard
Get Quote
|
$50-$60 | $75 | 12-48 hrs. | NR | Get Quote | |
 American Home Shield
Get Quote
|
$35–$75 | $100–$125 | 24-72 hrs | B | Get Quote | |
 Elite Home Warranty
|
$44.99-$58.99 | $70 | 48 hours | A+ | ||
 Choice Home Warranty
Get Quote
|
$46–$55 | $85 | 24-48 hrs. | B | Get Quote | |
 Select Home Warranty
Get Quote
|
$52–$58 | $75-$85 | 24-48 hrs. | B | Get Quote | |
 AFC Home Warranty
Get Quote
|
$38–$62 | $75–$125 | 48 hours | B | Get Quote | |
 First American Home Warranty
Get Quote
|
$72–$87 | $75–$125 | 48 hours | B | Get Quote | |
 2-10 Home Warranty
Our Review
|
$17–$60+ | $65–$100 | 24 hrs | A- | Our Review | |
 Cinch Home Services
Get Quote
|
$28–$68 | $100–$150 | 2–24 hrs | B | Get Quote |
Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.
Our Reviews of the Best Home Warranties in California
Liberty Home Guard
4.6
Our Rating
I love Liberty Home Guard’s impressive 4.7-star ratings on both Google and Trustpilot. These ratings are far better than the 2- and 3-star averages that are typical of many home warranty companies. I also like its responsive service and extra perks like a generous 60-day workmanship guarantee (double the industry standard). These give me confidence that Liberty will be there for Californians when they need coverage the most.
Additionally, Liberty’s extensive list of over 40 optional add-ons allows Golden State homeowners to customize their coverage to perfectly suit their home’s unique features, from pools to extra refrigerators. I also like its 24/7 online chat tool. I used the tool during my secret shopping process and found that LHG connects you to a live representative in under two minutes.
The main thing I dislike about Liberty Home Guard is its relatively low coverage caps, which max out at just $2,000 for most home appliances and systems. Liberty also lowers its coverage caps for electrical and plumbing systems to $250 per claim within the first 90 days of active coverage. After 90 days, it raises its plumbing and electrical limits to $500, which is still much lower than its already mediocre standard coverage caps.
These limits are much lower than those of other providers, such as American Home Shield, which offers up to $6,000 in protection for systems. For example, if your appliance costs $3,000 to replace, you’ll have to shell out $1,000 out-of-pocket to cover the amount over Liberty’s $2,000 limit. Additionally, while Liberty offers the most add-on options, their average cost is $15 per month each, which can add up quickly if you need several add-ons.
LHG also doesn’t list its service fee pricing online when you request a quote. I called LHG’s customer service and discovered that it assigns a service fee based on your California home’s size and location, as well as your coverage selections. This is a minor complaint, but it’s still inconvenient to have to wait after your quote to see what your service fee will be.
As I researched home warranty providers, Liberty Home Guard stood out for its strong plans and dozens of add-on coverage options. It has more than 40 unique add-ons — most providers have less than 10. With this many optional add-ons, you can adapt your home warranty plan to your specific needs. For example, if you want to cover your saltwater pool or wine refrigerator, or add power washing services, you can with Liberty. Most other home warranty providers don’t match this level of customization (Elite Home Warranty comes close, but the provider isn’t available in California). Its customization is the main reason I give Liberty a strong 9.3/10 rating.
While Liberty’s $2,000-per-item coverage cap may not fully protect ultra-premium appliances or systems, the company’s other strengths more than make up for this potential limitation. Liberty’s commitment to customer service is evident in its consistently positive reviews, with customers praising the company’s fast claims processing and responsive support. Furthermore, Liberty offers a 60-day workmanship guarantee, which is double the industry standard and provides extra peace of mind when it comes to repairs.
For California homeowners in the market for a home warranty, I would seriously consider Liberty Home Guard’s Total Home Guard plan. This comprehensive plan, combined with add-ons like saltwater pool coverage and roof leak protection, will provide the customized coverage needed for a home in the Golden State at a competitive price point. Although the optional add-ons can add up at an average cost of $15 per month, the ability to create a plan that perfectly fits a home’s unique features is well worth the investment. For California homeowners who want a reliable, flexible, and customer-focused home warranty provider, Liberty Home Guard is my top recommendation.
I give Liberty Home Guard a well-deserved 10/10 score for its plans and coverage because it goes above and beyond with customization and offers competitive pricing. This makes it an excellent choice for California homeowners with any budget and home type. With more than 40 unique add-ons, Liberty allows Golden State residents to create a plan that perfectly fits their home’s specific needs and budget.
Below is an overview of Liberty’s California coverage plans:
- Appliance Guard: The Appliance Guard covers 12 home appliances, such as garage door openers, kitchen appliances, and ceiling fans.
- Systems Guard: The Systems Guard covers six home systems, including HVAC and ductwork.
- Total Home Guard: The Total Home Guard bundles the Appliance and Systems Guard plans into one comprehensive plan.
I personally recommend Liberty’s Total Home Guard plan, which combines extensive appliance and system coverage for just $60 per month — only $10 more than the base Appliance Guard plan. While most of Liberty’s add-ons range from $8 to $15 monthly, with some spanning $4 to $36, and the company’s service call fees ($65 to $125) may exceed the industry average of $75, Liberty offers attractive discounts to help offset these costs.
During my secret shopping, an agent offered me two free months with annual payments and seasonal $225 coupons. Another standout feature is Liberty’s 60-day workmanship guarantee, which doubles the industry standard and provides extra peace of mind regarding repair quality.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Appliance Guard | $49.99 | $65 – $125 | 2 months free, $225 off coupon |
| Systems Guard | $54.99 | $65 – $125 | 2 months free, $225 off coupon |
| Total Home Guard | $59.99 | $65 – $125 | 2 months free, $225 off coupon |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Anaheim, CA. The cost data presented was accurate at the time of writing.
Available Add-Ons
Liberty Home Guard has the following optional add-ons available for its plans. For California homes, I appreciate the generator coverage as the state’s frequent heat waves, and earthquakes can routinely knock out power for several hours to days at a time.
- Carpet cleaning: $19.99/month
- Casita guest unit: $35.99/month
- Central vacuum: $8.99/month
- Ejector pump: $14.99/month
- Electronics protection: $19.99/month
- Freestanding ice maker: $14.99/month
- Generator: $19.99/month
- Grinder pump: $14.99/month
- Gutter cleaning: $14.99/month
- Ice maker (in-fridge): $3.99/month
- Instant hot water dispenser: $9.99/month
- Lawn sprinkler system: $9.99/month
- Lighting fixtures: $7.99/month
- Limited roof leak: $11.99/month
- Pest control: $14.99/month
- Plumbing fixtures: $7.99/month
- Pool and spa: $19.99/month
- Additional spa: $9.99/month
- Power washing (exterior flooring): $19.99/month
- Pro-series clothes dryer: $4.99/month
- Pro-series dishwasher: $7.99/month
- Pro-series microwave: $4.99/month
- Pro-series range/oven/cooktop: $12.99/month
- Pro-series refrigerator: $14.99/month
- Pro-series standalone freezer: $14.99/month
- Pro-series washing machine: $4.99/month
- Re-key: $9.99/month
- Reverse osmosis water filter system: $14.99/month
- Saltwater pool: $23.99/month
- Second refrigerator: $7.99/month
- Septic system pumping: $12.99/month
- Sump pump: $8.99/month
- Swamp cooler: $14.99/month
- Trash compactor: $7.49/month
- TV mounting (up to 65-inch TVs): $14.99/month
- TV mounting (up to 85-inch TVs): $19.99/month
- Water dispenser water line: $4.99/month
- Water softener: $13.99/month
- Well pump: $12.99/month
- Window washing/cleaning: $19.99/month
- Wine cooler/fridge: $11.99/month
Exclusions
LHG has the below exclusions from its home warranty plans. All are standard in the industry.
- Cosmetic defects
- Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
- Disposal of appliances, systems, or components
- Electronics, computerized, “smart,” or Internet/enabled components and parts
- Filters associated with any covered items
- Fire sprinkler systems
- Flues, vents, chimneys, and exhaust lines
- Glass parts
- Lighting
- Malfunction or damage caused by acts of God
- Noise
- Radon and other leak detection monitoring systems
- Remote receiving and transmitting devices
- Solar systems and applications
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
I scored Liberty Home Guard a respectable 8.9/10 rating for its affordability, as the company has competitively priced plans starting at just $50 per month. This low cost makes it affordable for most California homeowners. However, I will say that Liberty’s add-ons are generally more expensive than those of other providers. Most of them cost $15 per month or more, compared to the $6 to $13 range offered by competitors like American Home Shield and Cinch Home Services. Additionally, Liberty’s non-negotiable service fee, ranging from $65 to $125 (depending on the type of repair you need), is higher than what many other providers charge.
Also, its per-item coverage caps max out at just $2,000, which is lower than other providers, like American Home Shield’s $6,000 limit for systems. Despite these drawbacks, Liberty still stands out to me for its coverage of unique appliances and systems, such as septic systems, well pumps, generators, swamp coolers, trash compactors, and more, which are particularly valuable for California homes with high-end or specialized features.
I rated Liberty Home Guard a respectable 7.8/10 rating for its customer experience because I like its user-friendly online quote system and efficient sign-up process. During my secret shopping, I loved how easy it was to compare coverage options and choose the add-on I needed. With this simple signup system, California homeowners can choose their plans and add-ons quickly. Liberty’s 30 to 60-day waiting period before coverage starts is the same as many competitors. However, it’s still shorter than some competitors who make customers wait up to 90 days.
Once you’re a member, you’ll value Liberty’s multiple contact options, including phone, email, and online chat. With multiple contact methods, you can get prompt support when issues arise. I also appreciate Liberty’s 60-day service guarantee on repairs, providing extra peace of mind that any work performed will meet quality standards on the first attempt or be repaired again at no additional cost.
Liberty Home Guard earns an impressive 9.1/10 rating for its stellar reputation among home warranty providers in California. Across thousands of reviews, the company consistently receives high praise from customers, highlighting exceptional service, smooth claims processes, and quick issue resolution, with its 4.7-star ratings on Google and Trustpilot setting it apart from competitors.
I was unhappy to see that Liberty recently encountered a temporary setback with the Better Business Bureau (BBB). Earlier this year, the BBB revoked LHG’s A+ rating due to a surge in customer complaints. However, I spoke to a BBB rep for more information. She said that the removal of the letter rating is standard procedure during the BBB’s thorough review process.
In March 2024, LHG responded to losing its A rating with a statement that the company’s customer satisfaction levels remain the highest relative to its scale. LHG also stated that in February 2024, it received the lowest number of cancellation requests in its history, showing that the company is stronger than ever. So, I’m confident Liberty will regain its A+ rating, as it has in similar situations within the past 2 to 3 years. Even with this BBB setback, I still recommend Liberty Home Guard stands out as a top choice for California residents.
| Rating Site | Rating | Number of Reviews |
| BBB | NR (Not Rated)* / 4.5 out of 5 stars | 2,519 |
| Trustpilot | 4.7 out of 5 stars | 2,620 |
| 4.7 out of 5 stars | 10,440 | |
| Yelp | 1.4 out of 5 stars | 49 |
Editor’s Note: The ratings provided were accurate at the time of writing.
*Note 5/2/24: Recently the Better Business Bureau shifted LHG’s A+ rating to “NR” (Not Rated). We reached out to a representative from LHG for comment, and they shared this statement: “Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.
Liberty Home Guard gets a perfect 10/10 rating for its exceptional claims process, setting the standard in the home warranty industry with its impressive 12-hour average response time and critical emergency repair options that many competitors lack. This rapid response can make all the difference when California homeowners face urgent issues like a broken air conditioner during a scorching heatwave or a burst pipe that threatens to flood their homes.
Once the standard 30- to 60-day coverage waiting period has passed, customers consistently praise Liberty’s smooth claims process and quick payouts after approval, with most non-emergency claims flying through approval within 48 hours. Liberty’s dedication to providing top-notch service when homeowners are facing adversity sets it apart, making it a game-changer for Californians in need of prompt, reliable support.
Liberty Home Guard is available to homeowners in all 50 states, earning it a perfect 10/10 rating. As a nationwide provider, you can count on fast, efficient, and high-quality service no matter where you live in the country.
American Home Shield
4.3
Our Rating
I like that AHS offers adjustable service fees, allowing homeowners to choose a lower monthly premium for a higher service call fee. The company’s high coverage caps give me peace of mind, knowing that even high-end items are covered. AHS provides a $5,000 coverage limit for HVAC systems in each coverage plan and up to $4,000 per appliance. Other major systems, such as plumbing, have an unlimited coverage cap per claim.
I also like that AHS is one of the few providers offering roof leak protection, either as an add-on or included with its premium plan. This protection is particularly useful in California, where heavy rainfall and occasional severe storms can cause significant water damage if small roof leaks aren’t sealed quickly. Additionally, AHS’s coverage for rust, corrosion, and even preexisting conditions provides comprehensive protection for Golden State homes.
Even though American Home Shield founded the home warranty industry, its poor ratings on multiple platforms concern me. I know that people are more likely to share negative experiences online. However, AHS has over three times the number of complaints on the BBB compared to other competitors like Select Home Warranty and Cinch Home Services in the last few years alone. Most complaints are about unexpected price increases, delays in repairs, and the short 30-day workmanship guarantee.
Also, AHS doesn’t offer an appliance-only plan. You have to purchase AHS’ ShieldGold or ShieldPlatinum plan to get appliance coverage. Many home warranty companies offer appliance-only plans or include appliance coverage within their basic plans, so this is a big letdown.
Another big complaint is that AHS has far fewer optional add-ons (just six) than competitors like Liberty Home Guard, which has 42. Fewer optional add-ons mean less customization for California homeowners. These red flags, along with AHS’s sub-2-star ratings on both Trustpilot and Yelp, raise questions for me about its reputation and customer satisfaction.
I give American Home Shield (AHS) an 8.6/10 overall rating because I appreciate its extensive coverage offerings and generous limits, which are two to three times higher than many competitors at $5,000 for systems and $4,000 for appliances. These high limits from AHS can help California homeowners (particularly those with high-end systems and appliances) put their minds at ease. The company also stands out for covering undetectable preexisting defects, rust, and corrosion, which adds significant value to its plans. For example, some budget-strapped homeowners have used AHS to fix expensive issues on their critical home systems cost-effectively.
During my secret shopping, I found AHS’s website and quotes fast and simple. However, despite the higher caps, AHS’s lower-tier plans cover fewer appliances and systems compared to entry-level options from competitors like Select Home Warranty and Liberty Home Guard. For comprehensive protection, I recommend the ShieldPlatinum plan, which offers broader coverage at only a slight increase in cost while still beating comparable plans from other providers in terms of pricing.
While AHS boasts an expansive contractor that can efficiently support homes across California, some reviewers have reported extended repair delays. Their 30-day workmanship guarantee falls short of rivals like Cinch Home Services, which offers a 180-day guarantee. Additionally, its low review scores on Trustpilot, Yelp, and BBB give me some doubt about its reputation and customer satisfaction. Still, I’m confident that American Home Shield is a solid choice for Californians, and I appreciate the brand’s comprehensive ShieldPlatinum plan.
I scored American Home Shield a strong 9/10 rating for its plans and coverage, particularly for the comprehensive ShieldPlatinum plan, which uniquely includes limited roof leak coverage and free annual HVAC tune-ups — rarities in the home warranty industry.
Below is an overview of American Home Shield’s coverage options for its California plans:
- ShieldSilver: The ShieldSilver plan only covers major systems, such as HVAC units and plumbing stoppages.
- ShieldGold: The ShieldGold plan adds appliance coverage to ShieldSilver, including garbage disposals, kitchen appliances, and instant hot and cold water dispensers.
- ShieldPlatinum: The ShieldPlatinum plan covers everything in the ShieldSilver and ShieldGold plans, plus roof leak coverage, code violations, and other miscellaneous coverage.
One standout feature of all AHS plans is that they cover old, improperly installed items and preexisting conditions, which no competitors don’t cover, bringing peace of mind to California homeowners with complex or aging systems and appliances.
AHS’s service fees range from $100 to $125. At first glance, I didn’t like that this exceeded the $75 industry average. However, I then realized that you can choose between lower monthly premiums or higher service fees based on your budget and needs.
For example, if you own a new home with relatively new appliances and systems, you could opt for a higher service fee and lower monthly premium. In this case, it’s likely you’ll have fewer service calls, and you can save money by paying a lower monthly premium. During my secret shopping, AHS offered me a 20% discount for signing up the same day, so it’s worth keeping an eye out for deals and discounts.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| ShieldSilver | $29.99 – $39.99 | $100 – $125 | 20% off same-day sign-up discount |
| ShieldGold | $49.99 – $59.99 | $100 – $125 | 20% off same-day sign-up discount |
| ShieldPlatinum | $79.99 – $89.99 | $100 – $125 | 20% off same-day sign-up discount |
*If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $39.99 rate for the ShieldSilver plan pairs with the $100 service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Anaheim, CA. The cost data presented was accurate at the time of writing.
Available Add-Ons
American Home Shield lacks in terms of optional add-ons, only offering the below six options to CA homeowners.
- Electronics protection plan: $14/month
- Guest unit: $15.99/month
- Pool & built-in-spa equipment: $18/month
- Roof leak repair: $10/month
- Septic pump: $5/month
- Well pump: $8/month
Exclusions
AHS has the below industry-standard exclusions to its home warranty plans:
- Damage due to pets or pests
- Failure to properly clean or maintain home systems or appliances
- Foundation or structural damage
- Improper installation, improper wiring, or damage caused by construction activity
- Manufacturer’s defect
- Misuse or human error
- Malfunction or damage due to natural disasters
- Neglect, rust, corrosion, or sediment
- Removal of hazardous materials such as asbestos, lead, or other toxic materials
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
American Home Shield earns an 8.7/10 rating for affordability, primarily because its high coverage caps can save California homeowners money in the long run on expensive appliance and system breakdowns. That said, it does have slightly higher up-front monthly costs for comprehensive plans and service fees compared to some competitors. With California’s diverse climate, ranging from hot, dry summers to cool, wet winters, critical systems, and appliances can experience more wear and tear, making AHS’s allowance of up to $5,000 for HVAC systems and $3,000 for pools particularly valuable.
While American Home Shield may not be the most budget-friendly option for full-home coverage, the enhanced coverage justifies the higher monthly rates and service fees when breakdowns occur, especially for those with expensive appliances or unique systems that would be costly to repair or replace without adequate protection.
During my secret shopping, I found American Home Shield’s website user-friendly when obtaining quotes and comparing pricing for different plans. Its standard 30-day waiting period before a new policy takes effect is shorter than the 60-day or longer wait times imposed by some competitors like Liberty.
However, despite AHS assigning each customer an account manager and providing multiple contact methods, I discovered numerous complaints about unreturned calls and messages, which is concerning when California homeowners need assistance, especially during an AC breakdown on a scorching summer day. While AHS’s accessibility can help you get better communication from individual reps and demonstrates a commitment to responsiveness, the communication concerns led me to give American Home Shield a decent 8.4/10 rating for customer experience.
I give American Home Shield a fair 7.7/10 rating for its mixed reputation, as the company’s low scores on Trustpilot and Yelp concern me. Many reviewers show frustration with unexplained claim denials, poor repair quality, and unresponsive customer service — issues that are particularly worrisome for California homeowners needing prompt assistance with critical system breakdowns.
Another common theme I found from multiple BBB reviews was AHS’ delayed claims resolutions. Several customers were dissatisfied with the multiple appointments they had to make with technicians to get their issues fixed. Some even reported that their issue remained unfixed. However, we did find that AHS addressed nearly all customer complaints we read on the site.
Still, it’s obvious to me that some of the negative feedback stems from misunderstandings over the contract, which is why you should fully read and understand the policy before signing a contract. One benefit is that AHS makes filing claims straightforward with 24/7 support online and by phone, which is crucial for Californians facing urgent issues like air conditioner breakdowns during the state’s scorching summers. Plus, once you submit a claim, you can conveniently track its status and repair history through your online account dashboard on your phone or computer, giving you ongoing visibility into the process.
| Rating Site | Rating | Number of Reviews |
| BBB | B | Customer Reviews are not used in the calculation of BBB Rating |
| Trustpilot | 2.2 | 5,223 |
| 4.5 | 32,640 | |
| Yelp | 1.1 | 1,266 |
Editor’s Note: The ratings provided were accurate at the time of writing.
I give American Home Shield a great 8.4/10 rating for its claim process. AHS has a user-friendly website and customer service that is available at any time. You’ll like this 24/7 availability when your AC breaks down in the summer, or your water heater starts leaking right before a business trip.
Once you file a claim online or via phone, you can easily track its status and view your home’s repair history through your online account, providing transparency and reducing stress throughout the process. While some reviews highlight instances of unreturned calls and messages, which is concerning for a prominent provider, AHS reduces this possibility by assigning each homeowner a dedicated account manager and multiple contact channels.
American Home Shield’s home warranty plans are available in all 50 states, earning it a 10/10 rating. California homeowners can count on prompt service and quality contractors.
Select Home Warranty
4.2
Our Rating
I love that Select Home Warranty includes limited roof leak coverage in all its plans by default, a feature that many home warranty companies completely exclude or only offer as an add-on. SHW also stands out for its competitively low $75 service fee and affordable monthly premiums ranging from $44 to $48 (with regular discounts), making it an attractive option for budget-conscious California homeowners. Additionally, SHW’s 90-day repair guarantee, which is 30 to 60 days longer than that of many other providers, guarantees that if a covered item breaks down within 90 days of a previous repair, Select will send a technician to fix the issue again at no additional service call fee.
I don’t like that Select Home Warranty prohibits homeowners from choosing their preferred contractors for repairs. This policy takes away control over who works on your home’s systems and appliances. I also don’t like that Select completely excludes preexisting defects. California homeowners risk having claims denied later if they’re unaware of hidden issues before enrolling. Additionally, Select’s limited number of add-ons, with only nine options available, could be a problem for those with unique home systems or appliances that require specific coverage, especially compared to industry leaders like Liberty Home Guard, a company that provides 40-plus options.
I give Select Home Warranty a strong 8.4/10 overall rating for its straightforward and affordable home warranty plans, which include Bronze Care, Gold Care, and Platinum Care options that clearly cover appliances, systems, or a combination of both. I appreciate that Select offers budget-friendly monthly premiums ranging from $44 to $48 (with regular discounts), which are lower than those of many competitors like American Home Shield and Liberty Home Guard. This makes SHW an attractive choice for cost-conscious California homeowners. Additionally, Select’s 90-day workmanship guarantee exceeds the typical 30- to 60-day offering from other providers, giving you an extra safety net.
However, Select’s coverage caps of $3,000 for essential items like air conditioning and HVAC systems may be insufficient for expensive replacements, especially considering California’s higher cost of living. Homeowners with higher-end or larger appliances or specialized equipment might find providers like American Home Shield, which offers higher coverage limits, or Liberty Home Guard, which features a broader range of optional add-ons, more suitable. Nevertheless, for typical California homes with standard appliances and systems, Select Home Warranty’s user-friendly plans, competitive pricing, and lower service fees make it a solid choice for those seeking dependable protection without breaking the bank.
I give Select Home Warranty a strong 8.3/10 rating for its clearcut appliance, system, and combined coverage plans. These plans provide a transparent approach compared to competitors with confusing packages and terminology. While the Gold Care and Bronze Care plans cover just appliances and systems, respectively, I recommend the Platinum Care plan for most California homeowners, as it covers both appliances and systems for just $4 more per month (with standard discounts). During my secret shopping, I was offered enticing discounts, including two free months and $150 off the annual price, showcasing Select’s commitment to affordability. However, Select’s $3,000 coverage limits may not be enough if you have high-end appliances or systems. Plus Select offers fewer specialty add-ons compared to some of its competitors.
| Plan | Monthly Cost* | Service Fee | Available Discounts |
| Bronze Care | $44.42 | $75 | $150 off (website), two extra months free |
| Gold Care | $44.42 | $75 | $150 off (website), two extra months free |
| Platinum Care | $47.75 | $75 | $150 off (website), two extra months free |
*Monthly cost figures provided include the discounted rate offered atthe time of writing ($16 off). Select Home Warranty has been running this promotion since the beginning of this year.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Anaheim, CA. The cost data presented was accurate at the time of writing.
Available Add-Ons
SHW offers the following nine add-on coverage options for California homes. Since many California homeowners own outdoor pools and spas, I appreciate it offering coverage for these expensive home items.
- Central vacuum: $3.33/month
- Lawn sprinkler system: $5.83/month
- Pool: $8.33/month
- Roof leak: free
- Septic system: $5.83/month
- Spa: $5.83/month
- Stand-alone freezer: $3.33/month
- Sump pump: $3.33/month
- Well pump: $3.33/month
Exclusions
Select has the following exclusions to its plans, none of which are out of the ordinary.
- Common areas in condominiums or multifamily homes
- Damage from natural disasters and rust
- Defects or damages caused by the foundation and structure of the home
- Incorrect installation or malfunctions due to construction damage or improper wiring
- Issues with systems or appliances related to hazardous or toxic materials (for example, mold, asbestos, and gas leaks)
- Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by a roof leak)
- Solar heating systems
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Select Home Warranty’s plans start at $40 after standard discounts. I love that they are $10 to $20 cheaper than the industry average. If you’re a California homeowner with a tight budget or just prefer to be frugal, SHW is worth your consideration. I appreciate its Bronze, Gold, and Platinum plans, which cover essential appliances, systems, or both and don’t have the steep price increases often seen with competitors. That said, its $2,000-per-appliance coverage limit may not be enough for every homeowner. Still, it’s plenty for most homes with standard appliances and home systems.
Additionally, I like Select’s low service fees of $75. This is less than the $100+, which many other providers, like American Home Shield and Liberty Home Guard charge. This means you’ll be paying even less for repairs and further protecting your budget. Overall, I give Select Home Warranty an impressive 9.1/10 rating for its plan pricing, lower service fees, and adequate coverage limits.
Select Home Warranty impresses me by simplifying the home warranty process on its website and through an easy online quote system. Some competitors bombard you with calls and emails but Select conveniently outlines plans, pricing, and coverage specifics online without hassle or pressure.As a homeowner, I found it easy to educate myself on what protections fit my budget and I’m impressed with Select Home Warranty’s user-friendly website. Most competitors try to overwhelm and confuse potential customers with excessive follow-ups or aggressive sales tactics. In contrast, Select Home Warranty’s website clearly outlines available plans, pricing details, coverage specifics, and add-ons in plain language. This makes it simple for Californians to find the best plans and add-ons for their appliances, systems, repair risks, and budgets. This transparency and simplicity is refreshing. You can carefully consider your coverage needs without dealing with confusing sale pitches or delayed/slow back-and-forth communication, which is why the brand earns a recommendable 8.1/10 rating for customer experience.at my own pace. No confusing call center pitches or needless back and forth. I appreciate Select empowering customers to pick the right protections on their terms.
Select Home Warranty’s reputation among customers is mixed, with its Better Business Bureau grade sitting at a decent B and ratings on platforms like Trustpilot and Google hovering around 3.8. While positive reviews praise the company’s swift repairs after claim approval, helpful customer service, experienced/friendly contractors, and easy enrollment process, I’m disappointed to see complaints about low coverage limits, denied claims, and failed repairs. That said, dissatisfied customers often shout louder than satisfied ones, in my experience. Along with Select’s lower review volume compared to massive competitors like American Home Shield, this shows it has fewer unhappy customers overall. Nonetheless, the conflicting feedback warrants caution. California homeowners should weigh potential issues, like low reimbursements, carefully alongside Select’s affordable pricing, which leads me to give Select Home Warranty a fair 8/10 rating for its reputation.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 1.39 out of 5 stars | 2,110 |
| Trustpilot | 3.8 out of 5 stars | 4,818 |
| Yelp | 1.0 out of 5 stars | 9 |
| 3.8 out of 5 stars | 19,830 |
Editor’s Note: The ratings provided were accurate at the time of writing.
While Select Home Warranty’s claims process aligns with industry standards, I find the 48-hour dispatch time for non-emergency situations to be a drawback. This is especially concerning if your refrigerator fails during a heat wave, risking your food spoiling before the repair technician arrives. However, I appreciate that filing a claim with Select is straightforward, as you can submit a claim online or call it in, and the company offers 24/7 emergency assistance for critical issues, ensuring prompt attention and minimizing potential health and safety risks. Despite the convenience of the claims process and the availability of emergency services, the slower dispatch times for non-emergencies means I’m scoring Select Home Warranty a fair 7.6/10 rating for its claims process.
Select’s plans are available to homeowners in all 50 states. With full nationwide coverage, California homeowners can expect local, experienced contractors in its network for swift repairs.
First American Home Warranty
4.3
Our Rating
I love that First American Home Warranty lets you choose your own service fee of $75, $100, or $125. This is a rare offering among home warranty providers. The ability to pick your own service fee lets you tailor your home warranty plan to your budget and risk tolerance. For example, you can opt for a lower monthly premium with a higher service fee or minimize out-of-pocket costs per breakdown by paying a slightly higher monthly rate.
Additionally, I’m impressed that FAHW’s high coverage limits, with caps of $3,500 per appliance in its Starter and Essential plans and $7,000 in its Premium Plan, far exceed the $2,000 to $3,000 limits typically offered by competitors. FAHW also offers its First American Advantage upgrade for its Essential and Premium plans. This upgrade adds coverage for miscellaneous items, such as appliance knobs and dials, which is another rare offering from a home warranty provider.
While I greatly appreciate First American Home Warranty’s high coverage caps for appliances, I’m disappointed that their HVAC coverage limit is only $1,500. In comparison, industry leaders like American Home Shield offer $3,000 to $5,000 limits. Given the high cost of HVAC repairs and replacements in California, this lower cap could leave some homeowners with high out-of-pocket costs. First American also excludes air conditioning coverage from its Starter Plan, which is a big letdown for Californians. To add air conditioning protection, you need to purchase it as an add-on or consider the Essential and Premium plans.
Speaking of which, FAHW’s Essential and Premium plans have some of the highest monthly premiums I’ve seen, ranging from $57 to $87, which may be cost-prohibitive for budget-conscious homeowners, especially if they opt for the lowest $75 service fee. I’d also like to see greater transparency from FAHW regarding their service area, as my experience suggests that their direct coverage may be more limited than their website implies, with FAHW servicing through third-party partnerships rather than directly, in some states.
After thoroughly evaluating First American Home Warranty, I give this provider a strong 8.7 out of 10 rating overall, thanks to its impressive appliance coverage limits and the flexibility to customize plans by choosing your service fee and optional add-ons. With a $7,000 per appliance limit in its Premium plan, FAHW surpasses all other providers I’ve reviewed, making it an excellent choice for California homeowners with high-end appliances who want to minimize out-of-pocket repair and replacement costs. However, FAHW’s high premiums on their comprehensive plans may be a drawback for budget-conscious homeowners, and their $1,500 HVAC coverage cap falls short of the $3,000 to $10,000 limits offered by industry leaders like American Home Shield and Elite Home Warranty.
While FAHW advertises coverage in 35 states, their direct service area may be more limited, with some states being serviced through third-party partnerships rather than directly by the company. For example, when I attempted to get a quote for a home in Indiana, I was redirected to other providers, including Liberty Home Guard and Choice Home Warranty, whereas I was able to obtain a direct quote from FAHW for a California home. To provide greater clarity for potential customers, I’d like to see increased transparency from First American regarding their service area and fulfillment process. If extensive appliance coverage is most important to you and you don’t mind slightly higher costs, I recommend FAHW’s Premium plan. It offers some of the most comprehensive protection available. However, if lower monthly costs are important to you, you’ll be happier with Select Home Warranty or, alternatively, Cinch Home Services.
First American Home Warranty earns a 9.0 out of 10 from me for its comprehensive plans and coverage. I appreciate the flexibility FAHW offers by allowing customers to choose their own service fee, a rare feature among home warranty providers that enables homeowners to balance their monthly premium with out-of-pocket costs per claim.
Below is an overview of First American’s coverage options for its California protection plans:
- Starter Plan: The Starter Plan covers major systems and appliances, such as ovens, plumbing stoppages, and heating systems.
- Essential Plan: The Essential Plan covers all items listed in the Starter Plan and adds coverage for washers, dryers, and water heaters.
- Premium Plan: The Premium Plan bundles Starter and Essential plan items with coverage for unique appliances like garbage disposals and central vacuums.
While the Premium plan is the most expensive, I believe it provides the best overall value for California homeowners. It has ample coverage for both systems and appliances, including uncommon appliances like central vacuums and instant hot water dispensers. On the other hand, I don’t recommend the Starter plan. This plan doesn’t even cover essential items like air conditioning units, clothes washers/dryers, and garage door openers.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| Starter Plan | $47, $52, or $62 | $75, $100, or $125 | N/A |
| Essential Plan | $57, $62, or $72 | $75, $100, or $125 | N/A |
| Premium Plan | $72. $77, or $87 | $75, $100, or $125 | N/A |
*You choose the service fee when signing up for a plan. The lower service fee goes with the higher monthly premium cost. For example, the Starter Plan will be $47 per month with the $125 service fee, $52 per month with the $100 service fee, and $62 per month with the $75 service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Anaheim, CA. The cost data presented was accurate at the time of writing.
Available Add-Ons
First American Home Warranty has the following optional plan riders for California homes. As someone who needed a water softener added to their home, I appreciate the affordable coverage to protect this expensive home system.
- Additional refrigeration (each unit): $4.17/month
- Central air conditioning (electric): $8.33/month
- HVAC tune-up: $2/month (free)
- Limited roof leak: $8.33/month
- Pool/spa equipment: $20.83/month
- Septic tank pumping/system: $7.08/month
- Water softener: $7.08/month
- Well pump: $7.08/month
Exclusions
FAHW has the below exclusions to its, which are in line with competitors.
- Cosmetic defects
- Damage due to acts of nature
- Hazardous or toxic materials
- Items covered under homeowners insurance and manufacturer’s warranty
- Repairs or replacements needed due to missing parts
- Residential properties over 5,000 square feet
- Routine maintenance
- Solar power systems and components
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
First American Home Warranty earns a 9.3 out of 10 from me for affordability, thanks to its competitive rates and flexible customization options. When gathering sample quotes, I was pleasantly surprised to find that FAHW allows customers to choose their own service fee of $75, $100, or $125, a rare feature among home warranty providers that enables California homeowners to tailor their plans to their budgets and risk tolerance.
I will say that the Starter and Essential plans have higher monthly costs than some budget-focused competitors, like Select Home Warranty. But these two plans still offer solid value for the level of protection they provide. Plus, FAHW’s prices are consistent across the states where they offer coverage. However, to get the most accurate pricing for your specific location and home, I recommend getting a quote.
I give First American Home Warranty an 8.1/10 for its customer experience, because it has a user-friendly website that makes it easy to compare plans, view coverage details, and understand pricing options. When I spoke with FAHW’s customer service representatives, I found them to be knowledgeable, friendly, and focused on helping me find the right home warranty solution. They never resorted to high-pressure sales tactics like some providers do.
While some reviewers mention longer-than-average wait times to reach a representative during peak periods, the company’s overall responsiveness and helpfulness still rank well compared to many competitors in the industry. For the most part, I see homeowners praising FAHW’s customer service in online reviews.
First American Home Warranty earns an 8.9 /10 from me for reputation, thanks to several thousand positive customer reviews across various review platforms. For example, it has an impressive 4.1 stars based on over 13,000 reviews on Trustpilot, which tells me most customers love the company. That said, its ratings on other platforms like Google and Yelp are more mixed.
Most negative reviews mention issues with claims denials, slow repair times, and difficulty reaching customer support. Despite these unfavorable reviews, FAHW maintains a decent B rating with the Better Business Bureau and actively addresses any customer complaints there. Compared to other top home warranty companies, FAHW’s reputation is generally strong, even considering its low 1.0/5 rating on Yelp (which is best for restaurant reviews and not home warranty reviews, in my opinion).
| Rating Site | Rating | # of Reviews |
| BBB | B | 1,857 |
| Trustpilot | 4.1 | 13,729 |
| 2.8 | 2,570 | |
| Yelp | 1.0 | 4,256 |
Editor’s Note: The ratings provided were accurate at the time of writing.
I give First American Home Warranty a score of 8.4 out of 10 for its claims process. With multiple options for submitting claims, including an online customer portal, phone, and email, FAHW makes it convenient for homeowners to request service when issues arise.
The company’s response time is generally good, although some top competitors guarantee a technician visit within 24 hours, while FAHW may take up to 48 hours to diagnose the problem after a claim is filed. Once a claim is approved, First American Home Warranty keeps customers well-informed about the status and estimated completion timeline through their online dashboard, ensuring transparency throughout the repair or replacement process.
First American Home Warranty is available in 35/50 states, including California, earning it a fair 6.0/10 rating. That said, California homeowners will have access to FAHW’s network of local contractors for fast repairs.
Cinch Home Services
4.1
Our Rating
One aspect of Cinch Home Services that really impresses me is the company’s remarkably low monthly premiums, which begin at around $30. This affordable pricing makes Cinch a fantastic choice for frugal California homeowners. I also love Cinch’s industry-leading 180-day workmanship guarantee, as competitors typically offer just 30- to 90-day guarantees. This longer guarantee shows CHS’s dedication to exceptional repair services. Finally, I appreciate that Cinch offers 24/7 customer support every day of the year. A few years back, my furnace failed on Christmas Eve, so I know firsthand how important 24/7/365 support is.
One aspect of Cinch Home Services that I find lacking is the company’s limited selection of just five optional add-ons, which falls short of the industry average of 10 to 15 and pales in comparison to Liberty Home Guard’s extensive offering of over 40 options. This restricted customization may leave California homeowners wanting more. I’m also not thrilled about Cinch’s high service fees, which range from $100 to $150. I also don’t like the fact that the company charges a $25 cancellation fee if you cancel within 30 days after signing up for a contract. Additionally, I’ve noticed numerous customer complaints regarding denied claims and unresolved issues, which raises some concerns about Cinch’s overall customer service and value for California residents.
Cinch Home Services earns a solid 8.1 out of 10 overall rating from me. I like its impressive reputation, 40+ years in the industry, transparent pricing, and user-friendly claims process. I’m particularly impressed by Cinch’s 180-day workmanship guarantee. This six-month guarantee is significantly longer than the 30- to 90-day coverage offered by most competitors. This extensive guarantee demonstrates Cinch’s commitment to ensuring repairs are completed correctly the first time around. The company also boasts a respectable B+ rating with the Better Business Bureau, reflecting its ongoing efforts to maintain customer satisfaction and address any issues that arise.
However, I find Cinch’s limited selection of just six optional add-ons disappointing, especially compared to the industry average of 10 to 15 and Liberty Home Guard’s impressive offering of 42 options. This means that many homeowners won’t be able to cover unique appliances and systems. Additionally, Cinch’s add-ons come at a higher-than-average cost. Their coverage options range from $12.50 to $22 per month, and the company’s service call fee of $100 to $150 is also above the industry norm, too. Despite these shortcomings, I believe Cinch remains a reliable choice for California residents who want a straightforward claims process and comprehensive coverage for their standard appliances and systems.
I give Cinch Home Services a fair 6.7 out of 10 rating for its plans and coverage options. While the company offers three main plans — Complete Home, Built-In Systems, and Appliances — which provide standard coverage for 12 key items like refrigerators, air conditioners, and washers, it lacks the extensive customization options that some competitors offer. With only five add-ons available, Cinch falls short compared to providers like Liberty Home Guard (this brand offers 42 add-on options). Additionally, Cinch excludes coverage for items like roof leaks, which may be a drawback for California homeowners seeking protection against water damage during the state’s rainy season. For those who prioritize comprehensive coverage of the basics at a reasonable price, I recommend Cinch’s Complete Home Plan, with monthly premiums ranging from around $30 to $57, depending on your chosen service fee of $100, $125, or $150.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| Complete Home Plan | $44.99 – $56.99 | $100, $125, or $150 | Get your first month free |
| Built-in Systems Plan | $35.99 – $47.99 | $100, $125, or $150 | Get your first month free |
| Appliances Plan | $30.99 – $40.99 | $100, $125, or $150 | Get your first month free |
*You choose the service fee when you sign your contract; a lower service call fee corresponds with a higher monthly premium.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Anaheim, CA. The cost data presented was accurate at the time of writing.
Available Add-Ons
CHS has the below coverage options. For California homeowners, I like the affordable pricing to protect your pool and spa and prevent expensive repair costs.
- Pool (heater included): $22
- Spa (heater included): $22
- Pool with built-in spa (heater included): $22
- Septic tank/pumping: $4.58
- Well pump: $12.50
- Premier Upgrade Package (includes permits, code upgrades, removal and disposal costs, and more): $12.50
Exclusions
Cinch has the following exclusions in its home warranty policies. All exclusions appear to be standard among other providers.
- Accidents
- Commercial-grade appliances or systems
- Coverage below the slab or basement floor of your home
- Damage caused by abuse, misuse, or neglect
- Damage caused by lightning strikes, power failures, or power surges
- Damage caused by remodeling or unauthorized repair
- Electric devices
- Flues, venting, chimneys, and exhaust lines
- Items covered under other insurances, warranties, or guarantees
- Problems caused by mold or mildew
- Removal of hazardous materials
- Routine maintenance
- Structural or property damage
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
I give Cinch Home Services an affordability rating of 8.7 out of 10 — the company’s monthly premiums start at just $30.99, making it one of the most budget-friendly home warranty providers in California. This allows homeowners with limited funds to access coverage that might otherwise be out of reach. However, Cinch’s service fees for repairs range from $100 to $150, which is higher than the industry average of $75. Additionally, it charges a $25 cancellation fee if you end your contract after 30 days, which seems designed to discourage customers from switching providers. Don’t get me wrong, Cinch’s low monthly premiums are attractive. However, California homeowners should consider the higher service fees and cancellation charges when making a decision.
I give Cinch Home Services a 7.8 out of 10 rating for customer experience. I like that Cinch’s website lets California homeowners easily get a quote by just typing in their ZIP code. This is a transparent and convenient self-service setup. Additionally, the company offers an impressive 180-day workmanship guarantee on repairs. This is significantly longer than the industry standard of 60 days and shows that Cinch is committed to its repairs and trusts its contractors. However, after requesting a quote online, I got frustrated with all the calls and emails I got in just a few days time. This is an overly aggressive sales approach, which turned me off. Most providers are more respectful of potential customers’ time and personal boundaries.
I give Cinch Home Services an 8.3 out of 10 for its reputation, as the brand boasts 45 years in the industry. Cinch’s longevity gives me a lot of confidence in its business practices and stability. Additionally, it’s not currently involved in any lawsuits or violations — which is rare in this industry. However, despite its impressive history, Cinch’s customer reviews on Google (2.5 stars), Trustpilot (3.7 stars), and Glassdoor (3.6 stars) disappoint me. I would expect a company with such extensive experience to have happier and more satisfied customers.
| Rating Site | Rating | Number of Reviews |
| BBB | B+ / 1.12 out of 5 stars | 1,579 |
| Trustpilot | 3.7 | 3,094 |
| 2.5 | 4,017 |
Editor’s Note: The ratings provided were accurate at the time of writing.
Cinch Home Services offers a responsive claims process with a 24/7/365 hotline, earning the company an impressive 9.2 out of 10 rating for its claims process. This wide availability ensures California homeowners get fast assistance, especially in emergencies. When you submit a claim during business hours, you should get a response within two hours. If you file a claim outside normal business hours, Cinch usually addresses them within 24 hours. However, despite Cinch’s efficient claims system, I have read several customer complaints regarding poor phone support. I also read many instances where reviewers were upset that Cinch didn’t cover certain repairs. While some of these issues may stem from homeowners misunderstanding their contracts, Cinch could do better at providing accurate and clear information to potential customers before they sign a contract.
Cinch Home Services offers its home warranty plans in 47 U.S. states, including California. Homeowners in the Golden State can count on Cinch’s extensive network of contractors to repair issues in their homes.
California Home Warranty Costs
The average cost of a home warranty in California is $53 per month, or $636 annually. Use the calculator below to estimate the annual cost of a new home warranty plan for your California home. Type in your monthly premium, service call fee, and estimated number of service visits per year. The calculator will then provide a full estimated yearly cost of a home warranty plan.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Fans | $16–$300 | $250–$950 |
| Electric Range | $100–$500 | $230–$3,000 |
| Gas Range | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Refrigerator | $40–$350 | $200–$5,000 |
Understanding Home Warranty Sample Contracts
Reading a home warranty company’s sample contract is a step that many homeowners overlook during the research process. Sample contracts outline a service provider’s specific coverage terms, exclusions, and limitations. In addition, sample contracts list state-specific clauses that may impact your coverage.
Below are several sections you’ll find in most home warranty sample contracts:
- Cancellation policy: This section outlines the company’s cancellation requirements and any applicable fees.
- Coverage options and limits: This section lists all the covered items the company includes in its plans, plus the payouts per item.
- Coverage start date: This section outlines the length of a provider’s waiting period before you can file a claim.
- Limits of liability: This section highlights the exclusions and limitations of the provider. Pay special attention to this section to avoid any confusion over denied claims.
Common red flags
During your research, keep an eye out for red flags like scammy behavior, inaccurate website information, or a lack of online presence from a provider. As you obtain quotes, notice whether customer service representatives are vague in describing how reimbursements and service calls work. This is a clear red flag.
Another way to spot red flags is by reading local customer reviews of a service provider on sites such as Best Company and Trustpilot. If you see an overwhelming number of reviews stating the company has poor customer service, excessive delays in communication or unexplained claim denials, we suggest choosing another provider.
California Home Warranty Regulations
The Department of Insurance (DOI) regulates home warranty companies in California. It’s responsible for granting state licenses, handling consumer complaints, and enforcing regulatory actions. While home warranty plans aren’t technically “insurance,” the DOI still oversees them. Under California law, home warranty companies are legally obligated to provide clear and detailed information about the terms and conditions of each policy. This information includes what is and isn’t covered, any associated fees, and the renewal and cancellation terms.
Let’s say your home warranty provider doesn’t upload your contract or wrongly denies your claim. In that case, you have several options for help. You can file a complaint with the DOI by calling their hotline at 1-800-927-4257, submitting a request for assistance online, or visiting the agency’s website. You can also contact the California Attorney General’s Office for support with a bad provider. For further information and guidelines on protecting your rights as a consumer, you can also reach out to the California Home Service Contract Association.
Editor’s Note: While this article highlights certain regulations, it is vital for readers to do their own research, as the mentioned regulations are not exhaustive.
California-Specific Coverage Needs
California’s varied topography leads to diverse climates, which may require specific home warranty coverage. For instance, the state’s drier areas experience excessive heat during the summer. Sacramento County and its surrounding areas experience mean temperatures of 92.6 degrees or higher during summer, according to the National Weather Service (NWS). This high heat can strain your air conditioning systems and lead to an unexpected breakdown.
Other areas of California experience freezing winters. Mountainous locations, such as Placer County, have regular snowfall in the colder months. If you live in a frigid area, your heating system will likely experience higher workloads, which can cause a breakdown. Consider your local climate when deciding what home warranty coverage to purchase.
California Home Warranty News
The California Department of Insurance investigated a recent home warranty scam from Response Indemnity Company of California, which worked with an unlicensed marketing company to mail false final notice advisories to California residents. The mailers said that their home warranties were expiring. The unlicensed company used fake names like Home Warranty Direct, Home Warranty Resolutions, Home Warranty Solutions, New Home Warranty, and Like New Home Warranty.
Thanks to a settlement agreement, the DOI mandated the company had to issue refunds to anyone who purchased the warranty. While this particular case was resolved in 2023, it’s always a good idea to vet companies before contracting a home warranty. If you’re concerned that your home warranty is expiring, forget any mailers — instead, find a reputable company and carefully read any contracts.
This site receives compensation from the companies featured in this listing, which may impact where and how products appear. This listing doesn’t feature all companies, products, or offers that may be available.
Frequently Asked Questions
California’s generally milder climate is less harsh on some home systems and appliances compared to some other states, which means you’ll have a lower risk of breakdowns. That said, labor rates are higher, so you’ll pay more for repairs to your systems and appliances. Coupled with expensive component costs, a repair could easily cost over one thousand dollars without a home warranty. A good home warranty plan can give you strong financial protection against unexpected repair costs for a low monthly cost in the grand scheme of things.
Home warranties in California cost about $600 per year (roughly $50 per month). Home warranty prices vary depending on the size and age of your home, the level of coverage (plan) you choose, your provider, and any optional add-ons you select. Not all home warranty providers cover the same things, and many exclude preexisting conditions. So, you need to compare quotes from multiple providers to find the best deal for your specific needs and budget.
To save money on a home warranty in California, you need to take advantage of promotions and discounts. Most providers routinely offer signup discounts, coupons for signing up on the same day, and other incentives. Sometimes, if you get a quote and wait a few days to a week, the provider will email or text you another discount.
The whole point of a home warranty plan is to protect you from sudden, costly repair bills. So, if you want to avoid that, home warranties are definitely worth it. They can prevent California homeowners from dipping into their savings or taking on debt to keep their home appliances and systems in working order.
Other Resources for California Homeowners
- Best Moving Companies in California
- Best Solar Companies in California
- Solar Incentives in California
