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Best Home Warranty Companies in California: Comprehensive Guide for 2025

When it comes to safeguarding your home, a comprehensive home warranty is one of the most effective ways to protect your systems and appliances from unexpected repair or replacement costs. This review of the best home warranty in California provides a detailed look at the top providers in the state for 2025, helping you make an informed decision. 

Whether you’re a first-time homeowner or a seasoned property investor, understanding your options ensures peace of mind and financial security. With California’s unique climate and diverse housing needs, having the right home warranty can make all the difference in maintaining your property efficiently.

Top Home Warranty Providers In California

Here are ten reputable home warranty companies serving California, detailing their coverage, pricing, service fees, and unique features.

Excellent Services

Home Warranty of America
threehalf_star 3.3/5

Home Warranty of America
  • Premium
    -
    $275 - $695
  • Deductible
    -
    $75 - $100
  • Appliances limit
    -
    $400
Offers
$150 Off + 1 Month Free*
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers two main plans—Premier and Premier Plus—covering essential home systems and appliances.
  • Price: Monthly plans range from $44 to $60, depending on coverage level.
  • Service Fee: Typically between $75 and $125 per service call.

Why We Picked Home Warranty of America

Home Warranty of America (HWA) stands out for its nationwide coverage and commitment to protecting homeowners against unexpected repair costs. Their plans cater to a wide range of needs, from basic appliance protection to comprehensive coverage, including HVAC systems and premium add-ons. 

Comprehensive Coverage

The Home Service Club
fourhalf_star 4.1/5

The Home Service Club
  • Premium
    -
    $51.25 - $62.50
  • Deductible
    -
    $65,$95,$125
  • Appliances limit
    -
    $800
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers Standard and Comprehensive coverage plans for systems and appliances.
  • Price: Monthly premiums range from $51 to $63.
  • Service Fee: Between $65 and $125.

Why We Picked The Home Service Club

The Home Service Club stands out due to its broad range of covered items and focus on timely service delivery. Their two comprehensive plans allow homeowners to choose between standard and premium options, accommodating various needs and budgets. The company’s emphasis on efficiency and customer support makes it a standout in the California market.

Nationwide Coverage

Regency Total Home Warranty
fourhalf_star 4.1/5

Regency Total Home Warranty
  • Premium
    -
    $39.99 - $58.90
  • Deductible
    -
    N/A
  • Appliances limit
    -
    N/A
Call Now
Offers
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Provides plans covering essential home systems and appliances.
  • Price: $39.99 – $58.90
  • Service Fee: Standard industry rates.

Why We Picked Regency Total Home Warranty

Regency Home Warranty excels in offering tailored plans that prioritize the customer’s specific needs. With a strong emphasis on customer satisfaction, Regency provides reliable support and transparent pricing. Their focus on maintaining high service standards has made them a trusted name among California homeowners seeking dependable home protection.

Best Customer Support

Liberty Home Guard
fourhalf_star 4.7/5

Liberty Home Guard
  • Premium
    -
    $50 - $60
  • Deductible
    -
    $90
  • Appliances limit
    -
    $2000
Call Now
Offers
$200 Off + 2 Months Free + Free Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$2K/Item
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Three plans—Appliance Guard, Systems Guard, and Total Home Guard—covering various home components.
  • Price: Plans start at $49.99 per month.
  • Service Fee: Approximately $90.

Why We Picked Liberty Home Guard

Liberty Home Guard is recognized for its commitment to customer service and providing a hassle-free claims process. Their wide range of coverage options ensures that homeowners can protect essential systems and appliances effectively. Liberty’s strong reputation for reliability and quality repairs makes it an excellent choice for those looking for a provider with proven expertise.

American Home Shield (AHS)
fourhalf_star 4.2/5

American Home Shield (AHS)
  • Premium
    -
    $29 - $79
  • Deductible
    -
    $100 & $125
  • Appliances limit
    -
    $6000
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48
States Covered
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Accredited Business
BBB Rating
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5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Three plans—ShieldSilver, ShieldGold, and ShieldPlatinum—covering systems, appliances, or both.
  • Price: Monthly premiums range from $29 to $99, depending on the plan and selected service fee.
  • Service Fee: Options of $100 or $125.

Why We Picked American Home Shield (AHS)

American Home Shield has earned its reputation as a top provider with comprehensive coverage options that cater to diverse homeowner needs. Its plans cover both systems and appliances, and the company’s extensive contractor network ensures timely and professional repairs.

 Moreover, their flexibility in service fees and transparent pricing make them a popular choice for homeowners seeking reliability and value.

BBB ACCREDITED

America’s First Choice
fourhalf_star 4.6/5

America’s First Choice
  • Premium
    -
    $33 - $56
  • Deductible
    -
    $75 - $125
  • Appliances limit
    -
    N/A
Call Now
Offers
$250 Off + Free Roof Leak Coverage
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50
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Multiple plans covering systems, appliances, or both.
  • Price: $33 – $56
  • Service Fee: $75 – $125

Why We Picked America’s First Choice

AFC Home Warranty is praised for its flexible plans that allow customers to cover only what they need, reducing unnecessary costs. The company offers transparent pricing and a focus on customer satisfaction, ensuring that homeowners receive high-quality service. Their emphasis on customization and flexibility sets them apart from competitors.

BEST RATED BY U.S. NEWS

ARW Home – American Residential Warranty
fourhalf_star 4.3/5

ARW Home – American Residential Warranty
  • Premium
    -
    $45 - $84
  • Deductible
    -
    $125
  • Appliances limit
    -
    N/A
Offers
2 Months FREE* on All Plans
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50
States Covered
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Not Accredited
BBB Rating
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$1K
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Comprehensive appliance and system protection with unique add-ons like smart home devices and home security systems.
  • Pricing: Starts at $45 per month, with premium plans at $84 per month.
  • Service Fees: Fixed at $125.

Why We Picked ARW Home – American Residential Warranty

ARW is ideal for tech-savvy Arizona homeowners who want protection for smart devices and home security systems. Their affordable plans and specialized coverage options make them a standout for modern homes. ARW’s fixed service fee and flexible plans cater to families looking for affordable yet comprehensive coverage.

First American Home Warranty
four_star 4/5

First American Home Warranty
  • Premium
    -
    $336 - $534+
  • Deductible
    -
    $85
  • Appliances limit
    -
    $3,500
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35
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Two plans—Basic and Premier—covering appliances and systems.
  • Price: $47 – $87.
  • Service Fee: $75, $100 & $125

Why We Picked First American Home Warranty

First American Home Warranty is known for its reliable service and extensive coverage options, catering to both basic and premium protection needs. Their emphasis on providing excellent customer support ensures that claims are handled smoothly and efficiently. With competitive pricing and a track record of consistent performance, First American is a top choice for California homeowners.

2-10 Home Buyers Warranty
twohalf_star 3/5

2-10 Home Buyers Warranty
  • Premium
    -
    $19,$51,$60
  • Deductible
    -
    $85 - $100
  • Appliances limit
    -
    $2,000
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44
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Specializes in structural warranties for new homes and systems/appliance coverage for existing homes.
  • Price: Varies based on coverage and location.
  • Service Fee: Standard industry rates.

Why We Picked 2-10 Home Buyers Warranty

 2-10 Home Buyers Warranty specializes in structural warranties for new homes, making it a unique player in the industry. Their plans also cover systems and appliances for existing homes, providing a versatile offering. The company’s dedicated focus on both builders and homeowners ensures high-quality service and robust protection.

Select Home Warranty
fourhalf_star 4.4/5

Select Home Warranty
  • Premium
    -
    $299 - $499
  • Deductible
    -
    $60
  • Appliances limit
    -
    $500
Offers
Get $150 Off + 2 Months Free + Free Roof Coverage
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46
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Three plans—Bronze Care, Gold Care, and Platinum Care—covering appliances, systems, or both.
  • Price: Monthly costs between $44 and $47.
  • Service Fee: Ranges from $60 to $75.

Why We Picked Select Home Warranty

Select Home Warranty combines affordable pricing with features like free roof leak coverage, which adds significant value to their plans. Their three-tiered coverage options—Bronze Care, Gold Care, and Platinum Care—cater to a range of homeowner needs. The company’s dedication to providing budget-friendly yet comprehensive plans makes it a favorite among California residents.

Is A Home Warranty Worth The Cost In California?

Deciding whether a home warranty is worth the cost is a significant consideration for California homeowners. With the state’s high cost of living, unique environmental challenges, and diverse housing market, evaluating the value of a home warranty requires a detailed analysis of its potential benefits and drawbacks.

Financial Predictability In A High-Cost State

California consistently ranks among the most expensive states in the U.S., with high costs for labor, parts, and contractor services. Home warranties can provide significant financial predictability:

Protecting Against California’s Environmental Factors

The state’s varied climate and environmental conditions can cause accelerated wear and tear on home systems and appliances. For instance:

By mitigating these region-specific risks, a home warranty can be particularly worthwhile for California homeowners.

Enhancing The Value Of Real Estate Transactions

In California’s competitive real estate market, home warranties play a crucial role for both buyers and sellers:

This dual benefit enhances the value proposition of home warranties in real estate transactions.

Peace of Mind For Homeowners

One of the less quantifiable yet significant benefits of a home warranty is the peace of mind it offers. Knowing that major systems and appliances are covered provides:

Who Benefits Most From A Home Warranty In California?

While a home warranty can be beneficial for most homeowners, it’s particularly valuable for:

Balancing The Cost & Benefits

While home warranties offer numerous advantages, it’s essential to weigh their cost against individual circumstances. The typical monthly premium for a home warranty in California ranges from $35 to $65, with service fees averaging $75 to $125 per visit. Homeowners should consider:

Is A Home Warranty Right For You?

Choosing a home warranty in California can be a game-changer for homeowners navigating the unique challenges of maintaining their properties. California’s climate, housing market, and diverse homeowner needs make it crucial to evaluate whether a home warranty is the right investment for you. Let’s break this down into key considerations.

Protecting Against California’s Diverse Climate Challenges

California’s climate varies dramatically, from the arid deserts to the humid coasts and snowy mountain regions. These environmental conditions can accelerate wear and tear on home systems and appliances. For instance:

By addressing these regional challenges, a home warranty can provide peace of mind and financial protection.

The High Cost of Living in California

California’s high cost of living extends to home repairs. Labor and parts for essential home systems and appliances can be significantly more expensive compared to other states. A home warranty offers:

This financial predictability is especially beneficial in a state where housing costs already consume a significant portion of household budgets.

Frequent Real Estate Transactions

California’s competitive real estate market means homes change hands frequently. A home warranty is a valuable asset for:

This makes a home warranty not just a protective measure but a strategic tool in California’s housing market.

Unique Appliance & System Needs in California Homes

California homes often feature advanced systems and energy-efficient appliances due to the state’s focus on sustainability and renewable energy. These include:

Tailoring your home warranty to include these features ensures your home’s specific needs are met.

Peace of Mind During Natural Disasters

California is prone to natural disasters like earthquakes, wildfires, and floods. While home warranties do not cover structural damage from these events, they can be instrumental in:

Having a home warranty complements other disaster preparedness measures, making recovery less stressful.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

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4.9 /5

(888) 894-6151

Who Oversees Home Warranty Companies In California?

In California, the regulation and oversight of home warranty companies are crucial to ensuring fair practices and protecting consumers. Understanding the governing bodies and their responsibilities can help homeowners make informed decisions and navigate the home warranty landscape with confidence.

California Department Of Insurance (CDI)

The primary authority overseeing home warranty companies in California is the California Department of Insurance (CDI). This state agency plays a pivotal role in regulating and monitoring the industry to ensure that companies comply with state laws and maintain ethical practices. Key responsibilities of the CDI include:

Consumer Complaint Resolution

Homeowners who face issues with their home warranty company can file a complaint with the CDI. The process involves:

  1. Submitting a Complaint:
    Consumers can file a complaint through the CDI’s website or hotline, providing details about their concerns and any supporting documentation.
  2. Investigation:
    The CDI investigates the complaint, gathering information from the homeowner and the warranty provider to determine the validity of the claim.
  3. Resolution:
    If the company is found at fault, the CDI works to resolve the issue, which may involve compelling the company to honor its contract or issuing penalties.

Ensuring Consumer Awareness

The CDI also focuses on educating homeowners about their rights and the importance of choosing a licensed home warranty provider. Through its website and public outreach programs, the CDI provides resources such as:

Additional Oversight: National Associations & Standards

While the CDI is the primary regulatory body, some home warranty companies voluntarily adhere to standards set by national organizations, such as the National Home Service Contract Association (NHSCA). These organizations promote best practices, ethical behavior, and high standards in the industry, further safeguarding consumer interests.

Why Oversight Matters

Regulation by the CDI ensures that home warranty companies operate transparently and that homeowners have a trusted avenue for recourse if issues arise. This oversight provides California homeowners with peace of mind, knowing that the state has mechanisms in place to protect their investment and prevent fraudulent practices.

Conclusion: Why a Home Warranty is Essential for California Homeowners

For many California homeowners, the cost of a home warranty is a worthwhile investment due to the high costs of repairs, the challenges posed by the state’s climate, and the value it adds to real estate transactions. While it may not be suitable for everyone, those who prioritize financial predictability, convenience, and peace of mind will likely find it to be a cost-effective solution.

Investing in a home warranty offers California homeowners financial protection and peace of mind against unexpected repair costs. By choosing a reputable provider, you can ensure your home's systems and appliances are well-covered, allowing you to enjoy your home without the stress of unforeseen expenses.