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7 Best Home Warranty Companies In San Francisco, California

Secure your San Francisco home with peace of mind using the Best Home Warranty Companies in San Francisco, California. Explore top-rated options to safeguard your property and budget with reliable coverage.

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Offer Ends
In

$200 Off*
Free roof Coverage* +2 Months additional coverage
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100,000 user reviews

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16+ Years Of Experience

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6 Million Homeowners Served

List Of The Best Home Warranty Companies In San Francisco

Explore our curated list of the seven best home warranty providers in San Francisco. Make an informed decision to protect your home and budget with these reliable options.

American Home Shield (AHS)

Pros

  • Well-known and established company with nationwide availability
  • Generous limits on repair costs for covered items
  • Transferable warranty Ideal for sellers and buyers alike

Cons

  • Can be more expensive than some competitors
image displaying the offers available for the purchase of the home warranty plan

$50 OFF on Multiple Properties

Premium

$29 - $89

Deductible

$100 & $125

States covered

48 states

Coverage not available in Alaska and Hawaii

Appliances Coverage Limit

$4K - $5K

Response Time

Up to 48 hours

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Pros

  • Well-known and established company with nationwide availability
  • Generous limits on repair costs for covered items
  • Transferable warranty Ideal for sellers and buyers alike

Cons

  • Can be more expensive than some competitors

First American Home Warranty

Pros

  • Ideal for protecting major household appliances
  • Choose the coverage that best suits your needs
  • Always available for assistance and questions

Cons

  • Some customers report of delays and communication issues

Premium

$47 - $87

Deductible

$75, $100 & $125

States covered

35 states

Coverage not available in Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Massachusetts, Maine, Minnesota, North Dakota, New Hampshire, New York, Rhode Island, Vermont and Wisconsin

Appliances Coverage Limit

$2.5K

Response Time

Up to 48 hours

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Pros

  • Ideal for protecting major household appliances
  • Choose the coverage that best suits your needs
  • Always available for assistance and questions

Cons

  • Some customers report of delays and communication issues

Liberty Home Guard

Pros

  • More than 40 add-on options
  • 60-day workmanship guarantee
  • Customers can choose technicians and get reimbursed

Cons

  • Service call fee can cost up to $125
image displaying the offers available for the purchase of the home warranty plan

$200 off + 2 months free + Free roof leak protection

Premium

$50 - $60

Deductible

$90

States covered

All 50 U.S states

Appliances Coverage Limit

$2K/Item

Response Time

Up to 48 hours

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Pros

  • More than 40 add-on options
  • 60-day workmanship guarantee
  • Customers can choose technicians and get reimbursed

Cons

  • Service call fee can cost up to $125

Choice Home Warranty

Pros

  • Budget-friendly plans for peace of mind
  • Easy-to-understand coverage, no surprises
  • Wide range of qualified technicians in San Francisco

Cons

  • Fewer add-ons compared to competitors
image displaying the offers available for the purchase of the home warranty plan

1st month free + Free roof coverage

Premium

$46 - $55

Deductible

$75 - $125

States covered

49 states

Coverage not available in Washington

Appliances Coverage Limit

Upto $3K/item

Response Time

Up to 48 hours

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Pros

  • Budget-friendly plans for peace of mind
  • Easy-to-understand coverage, no surprises
  • Wide range of qualified technicians in San Francisco

Cons

  • Fewer add-ons compared to competitors

Select Home Warranty

Pros

  • Affordable plans with comprehensive coverage
  • Quick turnaround times for scheduling and repairs
  • Consistently praised for responsiveness and professionalism

Cons

  • Potential for out-of-pocket costs for high-end appliances
image displaying the offers available for the purchase of the home warranty plan

$150 off + Free roof coverage + 2 months free

Premium

$44 - $47

Deductible

$60 - $75

States covered

47 states

Coverage not available in Nevada, Washington and Wisconsin

Appliances Coverage Limit

$3K/Item

Response Time

12 - 48 hours

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Pros

  • Affordable plans with comprehensive coverage
  • Quick turnaround times for scheduling and repairs
  • Consistently praised for responsiveness and professionalism

Cons

  • Potential for out-of-pocket costs for high-end appliances

The Home Service Club

Pros

  • Starts just 10 days after purchase, ideal for immediate peace of mind
  • Always available for assistance and questions
  • Ensures quality repairs and customer satisfaction

Cons

  • May not be the most budget-friendly option

Premium

$50 - $62

Deductible

$65 - $125

States covered

All 50 U.S states

Appliances Coverage Limit

$6K - $9K per plan

Response Time

24 to 48 hours

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Pros

  • Starts just 10 days after purchase, ideal for immediate peace of mind
  • Always available for assistance and questions
  • Ensures quality repairs and customer satisfaction

Cons

  • May not be the most budget-friendly option

HomeServe USA

Pros

  • Pay a flat fee per service call, no matter the repair
  • Comprehensive protection for various systems and appliances
  • Convenient and easy claim filing process

Cons

  • May have fewer technicians available in San Francisco compared to some competitors

Premium

$5.49 - $55.99

Deductible

N/A

States covered

All 50 U.S states

Appliances Coverage Limit

$3K-$12K/Item

Response Time

N/A

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Pros

  • Pay a flat fee per service call, no matter the repair
  • Comprehensive protection for various systems and appliances
  • Convenient and easy claim filing process

Cons

  • May have fewer technicians available in San Francisco compared to some competitors
Cyber Savings

50% Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Pro Tip: Dive into our best home warranty companies guide for top-rated providers and confidently secure your household!

Home Warranty Cost And Coverage-Related Details For San Francisco Residents

Obtain cost and coverage details in the table below. Make informed decisions to secure your home with confidence.

Cost Considerations

Coverage Options
  • Average Annual Cost $300-$600, with more comprehensive plans reaching up to $840. Monthly payment options are available.
  • Factors Affecting Cost Plan coverage, home size, age, and location. Additional add-ons and service call fees can increase the cost.
  • Budget-Friendly Options Consider companies like Choice Home Warranty or National Home Warranty Service for affordable plans with basic coverage.
  • Commonly Covered Systems Plumbing, electrical, heating, air conditioning, appliances (depending on the plan). Roof leaks and pools may be covered in some plans.
  • Appliance Coverage Varies widely. Basic plans may cover only major appliances like refrigerators and stoves, while others offer comprehensive coverage for additional appliances.
  • Coverage Limits Pay attention to caps on repair costs for covered items. Some companies have high caps, while others might leave you with out-of-pocket expenses for major repairs.

Dive into our California State Page to uncover the best home warranty companies and compare costs and coverage to make an informed decision.

Why Should San Francisco Citizens Get A Home Warranty?

 Here are some reasons why San Francisco citizens should consider getting a home warranty:

  • Seismic Activity Situated on the San Andreas Fault, San Francisco faces a constant threat of earthquakes. This can damage home systems and appliances, leaving homeowners with hefty repair bills. A home warranty can provide financial protection against such unexpected breakdowns.
  • Aging Infrastructure Many San Francisco homes are older, with plumbing, electrical, and HVAC systems potentially nearing the end of their lifespan. Earthquakes can further worsen these issues, leading to costly repairs. A home warranty can cover these repairs, offering peace of mind.
  • Appliance Wear & Tear Salt air and moisture from the Bay can wear down appliances faster than elsewhere. A home warranty can cover repairs or replacements for major appliances like refrigerators, washers, and dryers, saving San Francisco residents money on these frequent fixes.
  • Convenience Home warranties provide quick and easy access to qualified technicians, saving San Francisco residents the time and hassle of finding their own repair services.
  • Budgeting Prepaid plans offer predictable repair costs, helping San Francisco residents budget for home maintenance and avoid unexpected financial stress.

Cost Of Common Household Repairs In San Francisco

Discover insights into the projected costs of common household repairs in San Francisco for effective budget planning. From plumbing and HVAC to electrical and appliances, understand estimated expenses. Remember that these figures are approximations, and obtaining quotes from local service providers ensures accurate pricing tailored to your San Francisco location.

  • Plumbing

    Repair

    Average Cost 

    Leaky Faucet

    $75-$200

    Clogged Drain

    $100-$400

    Toilet Repair

    $150-$450

    Water Heater Repair

    $200-$800

    Sewer Line Repair

    $1,000-$8,000+

  • HVAC

    Repair

    Average Cost 

    Furnace Repair

    $200-$600

    Air Conditioner Repair

    $200-$600

    Ductwork Repair

    $150-$500

    Thermostat Replacement

    $125-$300

    Humidifier Installation

    $300-$700+

  • Electrical

    Repair

    Average Cost 

    Outlet Repair

    $75-$200

    Light Switch Replacement

    $75-$150

    Ceiling Fan Installation

    $150-$400

    Electrical Panel Upgrade

    $2,500-$10,000+

    Rewiring

    $100-$200 Per Hour

  • Appliances

    Repair

    Average Cost 

    Refrigerator Repair

    $200-$700

    Washing Machine Repair

    $150-$500

    Dryer Repair

    $150-$500

    Dishwasher Repair

    $150-$500

    Garbage Disposal Repair/Replacement

    $100-$500+
Cyber Savings

50% Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Essential Points To Consider While Getting A Home Warranty In San Francisco, CA

Navigate the complexities of selecting a home warranty in San Francisco with key considerations. The set of points below highlights crucial points to ensure your decision aligns with the unique requirements of your San Francisco residence.

Cyber Savings

50% Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Who Regulates Home Warranty Companies In San Francisco?

In San Francisco, the regulation of home warranty companies involves two key players:

California Department of Insurance (CDI)

  • Primary Regulator: The CDI is the government agency responsible for licensing and overseeing home warranty companies operating in California. They ensure companies comply with specific regulations and consumer protection laws.
  • Licensing: Companies must obtain a license from the CDI to sell home warranties in California. The licensing process involves a review of the company’s financial stability, business practices, and contract terms.
  • Financial Solvency: The CDI monitors the financial solvency of licensed companies to ensure they can fulfill their obligations to policyholders.
  • Consumer Protection: The CDI enforces consumer protection laws and regulations related to home warranty contracts. This includes investigating complaints against companies and acting against those who violate the law.
  • Consumer Resources: The CDI website provides educational resources and information about home warranties, including choosing a reputable company and understanding coverage details.

National Association of Home Warranty Companies (NAHW)

  • Industry Self-Regulation: While not a government agency, the NAHW is a national trade association representing home warranty companies. They offer a code of ethics and industry standards that member companies must adhere to.
  • Dispute Resolution: The NAHW provides consumers with a dispute resolution process for issues with member companies. This can be an alternative to filing a complaint with the CDI.
  • Consumer Education: The NAHW website offers educational resources about home warranties, including choosing a provider and understanding contracts.

Specific Regulations for Home Warranty Companies

  • California Insurance Code: Title 10 of the California Insurance Code outlines specific regulations for home warranty companies, including disclosure requirements, claim handling procedures, and prohibited practices.
  • California Code of Regulations: Title 10, Chapter 5 of the California Code of Regulations provides further details on the licensing process, financial requirements, and consumer protection measures for home warranty companies.

  • California Department of Insurance (CDI)

    • Primary Regulator: The CDI is the government agency responsible for licensing and overseeing home warranty companies operating in California. They ensure companies comply with specific regulations and consumer protection laws.
    • Licensing: Companies must obtain a license from the CDI to sell home warranties in California. The licensing process involves a review of the company’s financial stability, business practices, and contract terms.
    • Financial Solvency: The CDI monitors the financial solvency of licensed companies to ensure they can fulfill their obligations to policyholders.
    • Consumer Protection: The CDI enforces consumer protection laws and regulations related to home warranty contracts. This includes investigating complaints against companies and acting against those who violate the law.
    • Consumer Resources: The CDI website provides educational resources and information about home warranties, including choosing a reputable company and understanding coverage details.

  • National Association of Home Warranty Companies (NAHW)

    • Industry Self-Regulation: While not a government agency, the NAHW is a national trade association representing home warranty companies. They offer a code of ethics and industry standards that member companies must adhere to.
    • Dispute Resolution: The NAHW provides consumers with a dispute resolution process for issues with member companies. This can be an alternative to filing a complaint with the CDI.
    • Consumer Education: The NAHW website offers educational resources about home warranties, including choosing a provider and understanding contracts.

  • Specific Regulations for Home Warranty Companies

    • California Insurance Code: Title 10 of the California Insurance Code outlines specific regulations for home warranty companies, including disclosure requirements, claim handling procedures, and prohibited practices.
    • California Code of Regulations: Title 10, Chapter 5 of the California Code of Regulations provides further details on the licensing process, financial requirements, and consumer protection measures for home warranty companies.

Conclusion

Finding the right home warranty in San Francisco requires navigating unique needs and regulations. Consider earthquake coverage, aging infrastructure, and steep terrain when comparing plans. Research company reputations, read contracts carefully, and compare pricing to ensure you get the best value and peace of mind for your San Francisco home.

Cyber Savings

50% Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

FAQs

What Are The Most Frequently Reported Home Appliance Repairs In San Francisco?

Commonly reported home appliance repairs in San Francisco involve essential household items. These often include issues with refrigerators, dishwashers, ovens, washing machines, and air conditioning units. 

San Francisco’s diverse climate and high-tech lifestyle may contribute to the frequency of these repairs. Understanding these common issues helps residents make informed decisions when considering home warranty plans with appliance coverage in the city.

How Does The Weather Conditions In San Francisco Contribute To Appliance Breakdowns?

San Francisco’s climate, characterized by cool summers and mild, wet winters influenced by Pacific Ocean currents, can impact home appliances. The high humidity levels prevalent throughout the year and occasional exposure to salt air may contribute to accelerated wear and corrosion in appliances and air conditioning units. 

Are There Any Other Home Warranty Companies The Residents Of San Francisco Can Consider?

Liberty Home Guard & America’s First Choice Home Warranty are some home warranty companies that San Francisco citizens can consider apart from the List Of The Best Home Warranty Companies In San Francisco companies mentioned above.

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Best Home Warranty Companies

Cyber Savings
Elite Home Warranty

PROMOTION

50% Off + First Month Free

fourhalf_star 4.9
Excellent
American Home Shield

PROMOTION

$50 OFF on Multiple Properties

fourhalf_star 4.5
Excellent