Best Home Warranty in San Diego, CA

By Camille Moore

With a population over 1.4 million people, San Diego is known for its beautiful weather and just as beautiful homes. With hot and dry summers and cool winters, working home appliances and systems, specifically HVAC, are extremely important for homeowners in the San Diego area of California. In this guide to the best home warranty plans in San Diego you will find:

  • Top 5 recommended home warranty providers
  • Costs and coverages of a home warranty plan
  • What you should consider as a homeowner in SD

Unexpected home repairs don’t have to break the bank. A home warranty in California can help reduce your out-of-pocket costs and cover repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear. Keep reading to learn more about the best home warranties in San Diego, CA, and the benefits they can offer you.

Best home warranty companies in San Diego

There are dozens of providers and plans available to home and property owners in San Diego. The team at House Method narrowed down these companies to the top 4 by analyzing costs, coverage caps, workmanship, service fees, customer reviews, contract simplicity, item coverage, and more. Here are how the top four in San Diego ranked:

  1. American Home ShieldBest Customizable Plans 
  2. Select Home WarrantyMost Cost-Effective Plans 
  3. First American Home Warranty: Best Appliance Coverage 
  4. Cinch Home Services: Best Workmanship Guarantee

Compare the top 4 providers

Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
American Home Shield AHS Best Customizable Plans ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 50 B
Select Home Warranty Select Most Cost-Effective Plans Bronze: $57/month

Gold: $57/month

Platinum: $63/month

$75 9 B
First American Home Warranty First American Best Appliance Coverage Basic Plan: $38/month

Premier Plan: $48.50/month

$75-$100 37 B+
Cinch Home Services Cinch  Best Workmanship Guarantee Appliances Plan: $34.99-$44.99/month

Built-in systems Plan: $39.99-$51.99/month

Complete Home Plan: $49.99/$51.99/month

$100-150 40 A-

1. American Home Shield

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

American Home Shield is the most customizable home warranty plan and overall top choice in San Diego. AHS has more than 50 years of experience in the home warranty sector, proving great customer service at an affordable cost to customers.

AHS offers three excellent plans: a systems plan, ShieldSilver; an appliance plan, ShieldGold; and ShieldPlatinum which covers both.

ShieldSilver ($34.99-49.99/mo.) ShieldGold ($44.99-59.99/mo.) ShieldPlatinum ($59.99-74.99/mo.)
  • Air Conditioner
  • Alarm
  • Attic fans
  • Bath exhaust fans
  • Ceiling fans
  • Cooktop exhaust
  • Disposal
  • Doorbell
  • Ductwork
  • Electrical
  • Garage door
  • Heating system
  • Locksmith
  • Plumbing
  • Plumbing stoppages
  • Toilet
  • Water dispenser
  • Water heater
  • Whole house fan
  • air conditioner
  • alarm
  • attic fans
  • bath exhaust fans
  • ceiling fans
  • cooktop exhaust
  • dishwasher
  • doorbell
  • dryer
  • ductwork
  • electrical
  • garage door
  • heating system
  • microwave
  • oven
  • plumbing
  • plumbing stoppages
  • refrigerator
  • toilet
  • trash compactor
  • washer
  • water heater
  • whole house fan
  • air conditioner
  • alarm
  • attic fans
  • bath exhaust fans
  • ceiling fans
  • cooktop exhaust
  • dishwasher
  • disposal
  • doorbell
  • dryer
  • ductwork
  • electrical
  • garage door
  • heating system
  • locksmith
  • microwave
  • oven
  • plumbing
  • plumbing stoppages
  • refrigerator
  • roof leaks
  • toilet
  • trash compactor
  • washer
  • water dispenser
  • water heater

Uniquely, AHS allows policyholders to choose their service fee between $75, $100, or $125. Choosing a higher service fee results in a lower monthly premium, and vice versa.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.

For more information, read our American Home Shield review.

2. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

Select Home Warranty is the most cost-effective home warranty plan for San Diego homeowners. With California living expenses being sky-high, the Select Home Warranty lifts some weight off your shoulders with an affordable monthly premium and service fee, alongside saving you hundreds in home repairs. Select offers 3 plans to its customers: the Bronze Care Plan which covers appliances, the Gold Care Plan which covers systems, and the Platinum Care Plan which is a comprehensive combo plan.

Bronze Care Plan ($57/mo.) Gold Care Plan ($57/mo.) Platinum Care Plan ($63/mo.)
  • Disposal
  • Dishwasher
  • Dryer
  • Microwave
  • Oven
  • Refrigerator
  • Washer
  • Air Conditioner
  • Ductwork
  • Electrical
  • Heating system
  • Plumbing
  • Water heater
  • Disposal
  • Dishwasher
  • Dryer
  • Microwave
  • Oven
  • Refrigerator
  • Washer
  • Air Conditioner
  • Ductwork
  • Electrical
  • Heating system
  • Plumbing
  • Water heater
  • Ceiling fan
  • Garage door
  • Plumbing stoppages

Select’s service fee is $60 – one of the lowest in the industry.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

For more information, read our Select Home Warranty Review.

3. First American Home Warranty

Best Appliance Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $38–$48.50 per month

First American Home Warranty is the best home warranty company for appliance coverage in San Diego. First American offers a very affordable and comprehensive appliance-only plan, in addition to a combo plan. First American offers a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.

Basic Plan ($38/mo.) Premier Plan ($48.50/mo.)
  • Attic Fans
  • Ceiling Fans
  • Cooktop exhaust fan
  • Dishwasher
  • Disposal
  • Dryer
  • Microwave
  • Oven
  • refrigerator
  • Trash compactor
  • Washer
  • Water dispenser
  • Attic Fans
  • Ceiling Fans
  • Cooktop exhaust fan
  • Dishwasher
  • Disposal
  • Dryer
  • Ductwork
  • Electrical
  • Garage door
  • Heating system
  • Microwave
  • Oven
  • Plumbing system
  • Plumbing stoppages
  • Refrigerator
  • Toilet
  • Trash compactor
  • Vacuum
  • Water heater
  • Washer
  • Water dispenser

The First American service fee is $85, which is on the high-end for the industry. However, First American has one of the lowest monthly premiums.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.

For more information, read out First American review.

4. Cinch Home Services

Best Workmanship Guarantee

  • Offers 3 plans under $62 per month
  • Allows customers to choose between a $100, $125, or $150 service call fee
  • Covers repairs with a 180-day workmanship guarantee
  • Lets customers cancel for free within 30 days of their contract start day

Cinch Home Services has the best workmanship guarantee for San Diego homeowners. Cinch’s 180-day workmanship guarantee ensures that your home systems and appliance repairs will be seamless and done professionally. Cinch has over 40 years of industry experience and in that time has built an impressive network of service professionals nationwide. Cinch Home Services offers 3 plans: Appliance Plan, Built-in Systems Plan, and Complete Home Plan.

 Appliance Plan

($34.99-$44.99/mo.)

Built-in Systems Plan

($39.99-$51.99/mo.)

Complete Home

Plan ($49.99-$61.99/mo.)

  • Cooktop exhaust fan
  • Dishwasher
  • Dryer
  • Food center
  • Free-standing ice maker
  • Microwave
  • Oven
  • Refrigerator
  • Refrigerator ice maker
  • Trash compactor
  • washer
  • Air Conditioner 
  • Alarm
  • Attic fans
  • Bath exhaust fans
  • Ceiling fans
  • Disposal
  • Doorbell
  • Ductwork
  • Electrical
  • Garage door
  • Heating system
  • Plumbing
  • Plumbing stoppages
  • Septic Tank pumping
  • Spa
  • Sump pump
  • Toilet
  • Vacuum
  • Water dispenser
  • Water heater
  • Whole house fan
  • Air Conditioner 
  • Alarm
  • Attic fans
  • Bath exhaust fans
  • Ceiling fans
  • Cooktop exhaust
  • Dishwasher
  • Disposal
  • Doorbell
  • Dryer
  • Ductwork
  • Electrical
  • Food Center
  • Free-standing ice maker
  • Garage door
  • Heating system
  • Microwave
  • Oven
  • Plumbing
  • Plumbing stoppages
  • Refrigerator
  • Refrigerator ice maker
  • Septic tank pumping
  • Spa
  • Sump pump
  • Toilet
  • Trash compactor
  • Vacuum
  • Washer
  • Water dispenser
  • Water heater
  • Whole house fan

Cinch’s service fee options are $100, $125, and $150. Like Select Home Warranty, Cinch Home Services allows its policyholders to choose their service fee and monthly premium. A higher service fee results in a lower monthly premium and vice versa.

Cinch Home Services will give you a free quote after filling out this form or calling 877-589-0505.

For more information, read our Cinch Home Services review.

Benefits of a Home Warranty in San Diego

Since the temperatures in San Diego vary greatly throughout the year, your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in San Diego, one of the benefits to having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.

Additionally, having a California home warranty can help make your house more attractive to potential home buyers should you ever decide to sell. Many home warranty companies will allow you to transfer your plan to the new owner and afford them the protection that you’ve been receiving.

Home Warranty Coverage in San Diego

The covered items in a home warranty plan will depend on the specific level of home protection and home warranty company you choose. However, there are a few items a basic home warranty protects:

  • Air conditioning
  • Heating
  • Ductwork
  • Refrigerator
  • Built-in microwave
  • Oven
  • Range
  • Stove
  • Water heater
  • Electrical systems
  • Plumbing

If you’re looking for more comprehensive coverage, many home warranty companies offer protection for add-ons such as:

  • Swimming pools
  • Garage doors and openers 
  • Septic system
  • Second refrigerator
  • Well pump

Get a Free Quote

from our #1 recommended provider in San Diego, CA

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How Much Does a Home Warranty Cost in San Diego?

On average, you can expect to pay about $635 per year for a home warranty in San Diego. Keep in mind, though, that the price of your plan will depend on the size of your home and the items you’d like to cover.

In addition to a monthly premium, you’ll have to pay a service fee every time a technician comes to your home for a service call. Most service fees cost between $50–$100. 

Buying a Home Warranty in San Diego, CA

Deciding on the best home warranty in San Diego comes down to the type of coverage you’re looking for, the home warranty company you select, and where you live, among other factors. To find a plan that suits your needs, we recommend doing research and gathering free quotes to compare your options.

You should also keep the following considerations in mind when selecting a plan:

  • Customer service—Does the company have a good reputation for dealing with customer service issues?
  • Coverage caps—Is there a maximum dollar amount for certain appliances and systems that your plan covers per year?
  • Claims process—How can customers file a claim? Do they have 24/7 access to the company? How long does it take for the provider to send a technician to your home to address the issue?

After acknowledging these factors, get a free quote from one of the above home warranty providers or compare other home warranty companies in our Best Home Warranty Guide.

Final Thoughts – Is a Home Warranty Worth it?

A home warranty in San Diego can save you thousands of dollars and give you peace of mind when it comes to costly home repairs and replacements. The best provider in San Diego is American Home Shield. American Home Shield offers comprehensive coverage at an affordable cost, and even allows flexibility in cost by allowing the policyholder to choose their desired monthly premium and service fee. Outside of San Diego in places like Sacramento, Los Angeles, and San Francisco, homeowners can look at our best home warranties in California in order to find the perfect provider and compare all costs and coverages.

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