A home warranty can bring you the peace of mind you need about your home and guard your savings account from large expenses by covering your home's major systems and appliances.
Being a homeowner in San Francisco is a great option for those who love bustling cities. However, as great as San Francisco is, homeownership always comes with its fair share of downsides, such as trying to deal with your home repairs yourself.
Finding the best home warranty on the market can be quite challenging since there are lots of companies to decide between. That's why the House Method team did the research and made a list of the best home warranty companies in San Francisco for you.
After looking into home warranties in San Francisco, your next step is to determine which company you want to get a free quote from. When considering which home warranty provider is the best fit for you, here are some important factors to take into account:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
Choice Home Warranty offers the best overall home warranty for San Francisco residents. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and have a mix of both system and appliance coverage.
Choice Home Warranty offers 2 plans for San Francisco homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage limits come out to around $3,000 for each covered system or appliance.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our review of Choice Home Warranty.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In San Francisco, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty industry for around 10 years. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for San Francisco homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Select's plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our comprehensive review of Select Home Warranty.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
American Home Shield is the most customizable home warranty for San Francisco residents. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for you to choose from.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our American Home Shield Review.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
In San Francisco, The Home Service Club offers the best home warranty with the quickest service. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, read our The Home Service Club full review.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In San Francisco, First American Home Warranty is the best home warranty for appliance coverage. The 2 plans that First American has include differing levels of system and appliance coverage, as well as add-on options. First American offers very affordable and comprehensive appliance coverage. Plus, it also has 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500 at the maximum.
Read more by visiting our First American Home Warranty full review. To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
In San Francisco, Cinch Home Services is the home warranty with the best workmanship guarantee. When you buy a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
Cinch Home Services offers 3 plans for San Francisco homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our Cinch Home Services Review to learn more.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in San Francisco
A home warranty is a service contract that reduces the cost of repairs when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to stick to their budget and don't want to dip into their savings to pay for large repair or replacement expenses. Typically about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
For San Francisco homeowners, when an issue arises with a covered appliance or system, it is very simple to file a claim. Most home warranty providers have an online portal where a claim can be filed. The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will usually happen within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees range between $60 and $150.
Home warranties help protect your home systems and appliances. A home warranty can cover repair and replacement-related expenses that are due to normal wear and tear. Typical appliances covered by a home warranty plan include a microwave, dishwasher, garbage disposal, washer, dryer, refrigerator, and more. The systems that are most commonly covered will be air conditioners, electrical systems, plumbing systems, hot water heaters, and heating systems. Add-on options can vary by company but typically include things such as a plumbing stoppages, second refrigerator, sprinkler system, septic system, and central vacuum.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things such as pre-existing conditions, cosmetic damages, lack of maintenance, and misuse are not included in the home warranty policy.
Since temperatures in San Francisco can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
In addition, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your property more attractive to potential home buyers and help your home sell faster.
One downside of getting a home warranty is that there are generally exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it's important to read through the contracts you're considering thoroughly to understand what is included and what isn't. Another stipulation is that home warranties usually only cover damage from normal wear and tear. They most likely won't cover systems or appliances that have need repairs or replacements due to improper maintenance, natural disasters, animal infestations, etc.
Although home warranties do have some downsides, whether during winter, summer, or the months in between, a home warranty can help lower the inevitable hassle of home appliances and system repairs, giving you a little peace of mind.
A home warranty can save you a lot of money on home maintenance and give you peace of mind as a homeowner in San Francisco. All of these top home warranty providers have impressive experience in the industry and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. It offers comprehensive coverage at an affordable monthly cost. However, other options mentioned above are also great choices for San Francisco residents.
Our pick for the best overall home warranty provider in San Francisco is Choice Home Warranty but the right company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty is a service contract that covers the repairs and replacements of your major home systems and appliances.
Most home warranty policies have a 30-day waiting period before you can file claims, but some may offer coverage sooner so be sure to check with the company about this.
A home warranty plan can cost on average around $300 to $800 a year in San Francisco. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. It's important to compare plans to determine what you're really getting for the price.
Homeownership can be pricey. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty in place, you will not have any large hits to your savings account .