6 Best Home Warranty Companies
in San Pablo, CA

by House Method Local Advisors - Updated August 10, 2022

A home warranty is a way to protect your savings from unexpected large expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.

With the extreme weather common in San Pablo, homes can go through quite a bit of wear and tear over time. There's nothing worse than having your air conditioning go out in the middle of a hot summer.

Because the home warranty market is saturated with a lot of providers — all with different price points — the House Method team decided to do the research for you to help you find the right home warranty in San Pablo.


Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
★★★★★
4.85

Most Affordable
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option
★★★★★
4.8

Best Customizable Plans
  • 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
★★★★★
4.75

Choosing a home warranty company in San Pablo


After reviewing the basics of home warranties in San Pablo, your next step is to decide which company you're interested in getting a free quote from. Below is a list of factors that you'll want to be mindful of when selecting a home warranty provider:

Quick reference for home warranty companies in San Pablo

★★★★★
$45.00 - $53.33/month
14 years in business
★★★★★
$57.67 - $62.08/month
10 years in business
★★★★★
$29.27 - $74.27/month
25 years in business
★★★★★
$50.40 - $62.90/month
14 years in business
★★★★★
$38.00 - $48.50/month
38 years in business
★★★★★
$34.99 - $67.99/month
43 years in business

Home Warranty Company and Plan Details


There are plenty of providers and policies available to home and property owners in San Pablo. The team at House Method took the time and narrowed down the top companies so you can more easily choose the one that has the best plan for your home. Here are how the top home warranty companies worked out in San Pablo:
  1. Choice Home Warranty - Best Overall
  2. Select Home Warranty - Most Affordable
  3. American Home Shield - Best Customizable Plans
  4. The Home Service Club - Quickest Service
  5. First American Home Warranty - Best Appliance Coverage
  6. Cinch Home Services - Best Workmanship Guarantee

Choice Home Warranty

★★★★★
4.85

Best Overall

Choice Home Warranty logo
MONTHLY COST $45.00 - $53.33
YEARS IN BUSINESS 14

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 Pablo residents. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.

The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered system or appliance.

Read our thorough review of Choice Home Warranty to learn more. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.

Home Warranty Plans from Choice Home Warranty

Basic Plan
Service fee: $85.00 Monthly cost: $45.00 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer
Total Plan
Service fee: $85.00 Monthly cost: $53.33 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer

Select Home Warranty

★★★★★
4.8

Most Affordable

Select Home Warranty logo
MONTHLY COST $57.67 - $62.08
YEARS IN BUSINESS 10

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 Pablo, Select Home Warranty is the most cost-effective home warranty. Select has more than 10 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process quick and easy.

Select Home Warranty offers 3 plans for San Pablo 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. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are a reasonable $60.

To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting our review of Select Home Warranty.

Home Warranty Plans from Select Home Warranty

Bronze Care Plan
Service fee: $60.00 Monthly cost: $57.67 Items covered: Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks
Gold Care Plan
Service fee: $60.00 Monthly cost: $57.67 Items covered: Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks
Platinum Care Plan
Service fee: $60.00 Monthly cost: $62.08 Items covered: Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks

American Home Shield

★★★★★
4.75

Best Customizable Plans

American Home Shield logo
MONTHLY COST $29.27 - $74.27
YEARS IN BUSINESS 25

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 Pablo residents. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process and policy coverage easily understandable.

The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for many major systems and appliances, and 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. Read our American Home Shield Review to learn more.

Home Warranty Plans from American Home Shield

ShieldSilver
Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27 Items covered: 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 Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldGold
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27 Items covered: 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 Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldPlatinum
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27 Items covered: 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, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump

The Home Service Club

★★★★★
4.7

Quickest Service

The Home Service Club logo
MONTHLY COST $50.40 - $62.90
YEARS IN BUSINESS 14

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

The Home Service Club offers the best home warranty with the quickest service in San Pablo. The 2 home warranty plans that HSC has include options for appliance and system coverage. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.

The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered appliance or system.

To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our review of The Home Service Club.

Home Warranty Plans from The Home Service Club

Standard Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $50.40 Items covered: Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer
Comprehensive Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $62.90 Items covered: Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer

First American Home Warranty

★★★★★
4.5

Best Appliance Coverage

First American Home Warranty logo
MONTHLY COST $38.00 - $48.50
YEARS IN BUSINESS 38

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

First American Home Warranty offers the best home warranty for appliance coverage for San Pablo residents. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.

First American Home Warranty offers 2 plans for San Pablo homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500 at the maximum.

To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our comprehensive review of First American Home Warranty.

Home Warranty Plans from First American Home Warranty

Basic Plan
Service fee: $85.00 Monthly cost: $38.00 Items covered: Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Trash compactor, Washer, Water dispenser Add-on items: Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade
Premier Plan
Service fee: $85.00 Monthly cost: $48.50 Items covered: 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 Add-on items: Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade

Cinch Home Services

★★★★★
4.35

Best Workmanship Guarantee

Cinch Home Services logo
MONTHLY COST $34.99 - $67.99
YEARS IN BUSINESS 43

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 Pablo, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.

Cinch Home Services offers 3 plans for San Pablo homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the San Pablo area.

To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our review of Cinch Home Services.

Home Warranty Plans from Cinch Home Services

Appliances Plan
Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99 Items covered: Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer Add-on items: Pool, Septic, Well pump
Built-in Systems Plan
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99 Items covered: Air conditioner, Smoke 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 Add-on items: Pool, Septic, Well pump
Complete Home Plan
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99 Items covered: 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 Add-on items: Pool, Septic, Well pump

Additional home warranty information


Cost to replace or repair common home appliances and repair damages in San Pablo

AIR CONDITIONER
$7,282
HEATING
$4,855
ELECTRICAL
$728
TOILETS
$607
WASHER/DRYER
$971
PLUMBING
$728
OVEN/STOVE
$1,942
FRIDGE
$728

Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.

Looking to save big when things go wrong?

Get a free quote from our #1 recommended provider in San Pablo

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What is a home warranty?

A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they have issues over time due to normal wear and tear. Having a home warranty in place can provide some peace of mind and prevent you from paying big out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty plan.

For San Pablo homeowners, when a problem comes up with a covered appliance or system, it is very straightforward to file a claim. Most home warranty providers have an online portal system where you can file a claim. At this point, you will pay the service fee. Service fees for home warranties range from $60 to $150. Most home warranty plans also have a coverage cap, which is the maximum cost per year that the home warranty company will cover for repairs and replacements.

What does a home warranty cover?

A home warranty provides coverage on your home's major appliances and systems and it can help bring down the cost of maintenance on your home. Typical appliances covered by a home warranty include a microwave, dishwasher, garbage disposal, washer, dryer, refrigerator, and more. The systems that are most commonly covered will be heating systems, air conditioners, hot water heaters, plumbing systems, and electrical systems. Add-on coverage will vary from plan to plan, but you can expect to see add-ons such as roof leaks, sump pumps, pools, central vacuums, electronics, and spas.

A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, the home warranty will not cover it. Things like pre-existing conditions, misuse, cosmetic damages, and lack of maintenance are excluded from a home warranty policy.

Is a home warranty worth it in San Pablo?


Benefits of a home warranty

Temperatures in San Pablo can get quite high in the summer, which means your air conditioner is likely to get a good bit of use. As a homeowner in San Pablo, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.

Not only can a San Pablo home warranty save you some money on repairs and replacements, it saves you time as well. Instead of needing to vet technicians on your own, home warranty providers do the work for you and send a contractor from their network right to your door when you need them.

Downsides of a home warranty

One major drawback of a home warranty is not everything may be covered. It's important to weigh the different policies and select one that covers all the appliances, systems, and add-ons you need. Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They commonly won't cover systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.

A home warranty can help ease some of a homeowner's maintenance troubles, but ultimately, it's up to you to determine whether or not investing in one is the right move for you and your family. Make sure you do your research and read over any home warranty policy that you're considering getting to get a handle on what repairs will and will not be covered under your contract.

Final Thoughts

Hopefully, this review of San Pablo's best home warranty companies has helped you narrow down your choices and decide on a plan. Choice Home Warranty is the best overall home warranty provider in San Pablo. Its comprehensive coverage, affordable pricing, and easy to understand policies make it a great home warranty for San Pablo homeowners.


Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
★★★★★
4.85

Most Affordable
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option
★★★★★
4.8

Best Customizable Plans
  • 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
★★★★★
4.75

Home Warranty FAQs


What's the best home warranty company?

The best overall home warranty in San Pablo is Choice Home Warranty but the perfect company for you will vary based on factors such as what appliances and systems you need to have covered.

What's the difference between a home warranty and homeowners insurance?

Home warranty policies cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a larger insurance that protects your entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system breakage.

What is generally covered under a home warranty?

A home warranty will cover repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and often don't cover pre-existing conditions.

How much does a home warranty cost in San Pablo?

A home warranty in San Pablo can cost between $40 and $80 a month. The higher-priced plans typically have more coverage, higher coverage limits, and a lower service fee.

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