Best 6 Home Warranty Companies in San Francisco, CA

Are Home Warranties Worth It for San Francisco Residents?

Yes, home warranties are beneficial for San Francisco residents. Summers in San Francisco can get hot, which makes it important for your air conditioner to work properly. However, over time this system can malfunction due to breakdowns from regular wear and tear.

San Francisco winters are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.

Even the infrequent rain in San Francisco can damage your roof. The cost of repairs will be lower if your home warranty has roof-leak protection. Lastly, home warranties connect you with trustworthy service providers.

Reputable home warranty companies vet each service provider they work with. If life keeps you busy, investing in a home warranty ensures you have access to trustworthy technicians.

What To Consider Before Choosing a Home Warranty Company

Consider the following factors to determine the best home warranty for your needs.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 each time you file a claim. A basic home warranty will be more affordable than a comprehensive one. Appliance plans are typically less costly than home systems coverage plans. With most plans, you can get add-on coverage options for an additional monthly cost. Consider your particular needs before purchasing a plan.

Coverage

Determine the appliances and systems you use most often. Most home warranty plans offer customizable coverage tailored to your needs. If you only want coverage for select systems, such as your air conditioner, most providers offer systems-only plans. The same is true if you only need coverage for 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

Home warranties generally only cover normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers outline their exclusions and limitations in their service contracts. Thoroughly read your contract to make sure you understand the terms and conditions of your plan.

Provider Reputation

Also, consider provider reputation when making a decision. You can find customer reviews on sites like Trustpilot, Google Reviews, and Best Company or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to learn how providers handle claims and customer service. Check with the California Department of Consumer Affairs to verify that a provider holds a license with the state.

Contractor Network

Take into account a home warranty company's network of service providers. Reliable home warranty companies source licensed and registered contractors to fulfill service requests. We suggest asking a provider where and how it sources technicians. Select a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so you'll need the option to source your own.