- Easy to receive an online quote
- Is the only home warranty company that lets customers choose their own service contractor
- Several customizable plan options to choose from
If you’re looking for a home warranty in California, keep reading to learn about the best home warranty companies in the state, common home maintenance issues faced by California homeowners, and important home warranty buying tips.
California is the third largest state in the U.S. and holds the largest population. It’s located on the western coast and is bordered by the Pacific Ocean. It shares its border with Oregon, Nevada, and Arizona and shares an international border with Mexico. The state is home to Hollywood, giant Sequoias, and bustling cities. Here are a few other facts about the Golden State:
The average California home costs $440,000—that’s more than two times the average national home price in the U.S. Since homeownership is a major investment in California, a home warranty can help protect your investment and give you peace of mind if a major system or appliance breaks down.
A home in California needs regular maintenance in order to avoid costly repairs in the long run. Additionally, a well-maintained home will make your home easier to sell when the time comes. In general, the weather in California is temperate and pleasant for most of the year: summers are hot, winters are mild, and humidity is low.
However, depending on what region of California you live in, the climate can be drastically different from the rest of the state and will impact the maintenance tasks of your home. If you live in the part of the state where the weather is hot for most of the year, it’s crucial that the home warranty plan you select covers air conditioner systems.
If you live near the coast, the added humidity can cause damage to the electrical systems and appliances. And if you live in the mountainous areas where you get a fair amount of snow in the winter, a home warranty plan that covers roofs and heating systems are beneficial.
Nonetheless, homeowners should consider tackling seasonal maintenance tasks to keep their home and appliances up to par. Some routine maintenance tasks include:
A home warranty helps protect your major systems and appliances and prevents you from paying unexpected expenses out-of-pocket. Though similar to homeowners insurance, a home warranty covers different items. Homeowners insurance policies cover natural disasters, fires, property crimes, water damage, and theft. Home warranties are like an extended service contract for appliances and systems and protect them in the event of a breakdown.
Regardless of what type of home you have—single-family house, townhome, condo, or mobile home—if you have important systems and appliances, such as a gas water heater, air conditioner, and plumbing, you can absolutely benefit from a warranty.
Home warranties are especially great for:
Home warranty coverage varies depending on where you live and the company and coverage level you choose. In general, home warranties will cover the following systems and appliances:
Some items that aren’t usually covered under a home warranty include:
Several home warranty companies, such as American Home Shield, offer customizable warranty plans—you can choose from four different comprehensive plans and add on coverage for additional items. This is a good option if you want specific appliances or home systems covered.
The average cost of a home warranty in California is around $320 per year, which is inline with the national average. Extended coverage averages an additional $100–$500 per year and will ultimately depend on the amount (and types) of items added. Deductibles average between $75–$100 per year.
Although coverage varies by company, most home warranty plans operate in a similar manner. Here’s what you can expect when you need to contact your home warranty company:
Homes that have home warranties typically sell 10% faster than those without one. Real estate agents will tell you that home warranties will make your property more attractive to prospective home buyers.
Even if you aren’t selling a home, warranties are helpful for those who lack an emergency fund for major repairs on systems and appliances that have broken down. They’re also great for homeowners who aren’t handy or don’t want to deal with finding a contractor on their own.
Depending on where you live in the state (in the mountains, near the coast, or in the drier, desert regions) you will need extra coverage to keep air conditioners, heating systems, roofs and other systems running smooth. A home warranty will help offset the cost for some of the repairs needed for these systems.
There are several factors to consider before you purchase a home warranty in California. One important factor is the age of your house. Older homes typically don’t come with a home warranty unless the previous owner is passing theirs along as part of the sale. Here are a few other factors to consider:
One of the best ways to choose a home warranty is by reading third-party customer reviews and understanding consumer experiences. Here are some recent reviews for the best home warranty companies in California:
The Home Service Club
“I called in my policy with the Home Service Club and the woman I spoke to was very understanding. My AC stopped working on a hot day and she was quite sympathetic. A gentleman specializing in ACs arrived and determined that a faulty thermostat was that problem, which he promptly replaced.” — Ashley Molina
First American Home Warranty
“First American has been good for me. Lost a water heater and AC within a week. FA provides great service themselves and their contractors were top notch. The warranty is well worth the money.” — D Davies
America Home Shield
“American Home Shield does an amazing job. They always send good people who know what they are doing and get the job fixed as soon as possible.” — Pamela V.
Every home warranty company has different requirements. Some won’t require a home inspection, while others will. In general, it’s always a good idea to get a home inspection before purchasing a policy to understand the condition of major systems and appliances.
Yes, you can purchase a home warranty anytime during your homeownership; it doesn’t matter if you’ve lived in the house for a few months or several years.
In general, home warranties do not cover pre-existing conditions. However, coverage will depend on the home warranty plan you have, so read the terms and conditions before signing your contract.
If you’re ready to purchase a home warranty in California, these are the top three home warranty companies you should consider:
Along with home insurance, adding a home warranty is the best home protection combo plan to give you peace of mind. Consider the age of the house, which home systems and appliances you want to be covered, and the climate in your part of California.
California has several top notch companies to choose from such as The Home Service Club, American Home Shield, and First American Home Warranty. With their flexibility in coverage, excellent customer service, and professional network service providers, you can rest assured knowing that you have the best home warranty and protection for your home.
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Debbie is a content creator based in the metro Atlanta area. She covers a variety of topics including DIY, how-to’s, home improvement, parenting, travel, crafting, and shopping. She's a regular contributor for both HGTV and DIYNetwork, Home Depot, and Walmart.com.