Best 6 Home Warranty Companies in San Diego, CA

Are Home Warranties Worth It for San Diego Residents?

Yes, home warranties are advantageous for San Diego residents. San Diego summers are very hot, which makes it extremely important that your air conditioner works well. However, over time this system can malfunction from heavy use.

San Diego winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. Even San Diego's irregular rain can affect your roof.

Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, a home warranty connects you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.

If you don't have time to do the research yourself, your home warranty company can ensure that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Consider these important factors when picking your home warranty plan.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home. From this we determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 every time you file a claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. You can often get add-on coverage for an additional monthly cost. Be sure you know what you need before choosing a plan.

Coverage

Figure out which appliances and systems you use most often. You'll want a home warranty plan that covers these items. Most home warranties can be customized to your needs, and many companies offer systems-only plans for homeowners that only want select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. The following is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Most home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover cosmetic issues or appliance components, theft, routine maintenance, or defects. Providers outline limitations and exclusions in their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.

Provider Reputation

Provider reputation is another key factor to consider. You can read customer reviews on sites like Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles claims and customer service. Check with the California Department of Consumer Affairs to verify that a provider holds a valid state license.

Contractor Network

Take into account a home warranty company's service provider network. Be sure to ask your provider where and how it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions the names of familiar service contractors. Residents of rural areas might consider choosing a home warranty provider that lets customers choose their technicians. It's good to have the option to source your own providers if no in-network ones are available in your area.