Home warranty insurance is becoming increasingly popular among homeowners in California. This type of insurance protects homeowners from unexpected repairs and replacements of major home systems and appliances. In this article, we will name the top 5 best home warranty companies in California, along with their pros and cons.
Homeownership comes with a lot of responsibilities, and unexpected repairs and replacements of home systems and appliances can be expensive. Home warranty insurance can provide peace of mind by covering the costs of these unexpected expenses. In California, there are many home warranty companies to choose from, making it difficult to know which one is the best fit for your needs.
Table of Contents
What is Home Warranty Insurance?
Home warranty insurance is a service contract that provides repair and replacement coverage for major home systems and appliances. This type of insurance is not the same as homeowner’s insurance, which only covers damage caused by natural disasters, theft, and other incidents.
Home warranty insurance covers the cost of repairs and replacements due to normal wear and tear of major home systems and appliances. This includes heating and cooling systems, plumbing, electrical, appliances, and more.
How Do I Check the License Status of a Home Warranty Company?
A home warranty is distinct from an insurance policy, but to ensure consumer safety, home warranty companies in California are subject to regulation and licensing by the Department of Insurance. Before entering into a contract, it is advisable to confirm the license status of a home warranty company by contacting 1-800-927-4357.
Let’s Compare the Best Home Warranty Companies in California
Simplify Decision-Making: A Comparison of Home Warranty Companies in California
In order to make your decision easier, we have compared several top home warranty companies in California based on their monthly costs, service fees, and BBB ratings. Our research involved secret-shopping for home warranty quotes and revealed that the average cost for a home warranty in California amounts to around $708 annually or approximately $59 per month.
Benefits of Home Warranty Insurance
There are several benefits to having home warranty insurance, including:
- Cost savings: Home warranty insurance can save homeowners money on unexpected repairs and replacements of major home systems and appliances.
- Peace of mind: Knowing that unexpected repairs and replacements are covered can give homeowners peace of mind.
- Convenience: Home warranty insurance companies often have a network of contractors and service providers, making repairs and replacements more convenient for homeowners.
- Increased home value: Having a home warranty can increase the value of a home, making it more attractive to potential buyers.
Top 5 Home Warranty Insurance in California
There are many home warranty companies in California, but we have narrowed down the top 5 based on customer reviews, coverage options, pricing, and customer service.
1. Choice Home Warranty
Choice Home Warranty is a popular home warranty company in California. They offer three different plans, including a basic plan, a total plan, and an optional coverage plan. Their coverage includes major home systems and appliances, and they have a network of licensed and insured contractors.
Pros:
- Affordable pricing
- Easy claims process
- Good customer service
Cons:
- Some limitations on coverage
- Long waiting times for repairs and replacements
2. American Home Shield
American Home Shield is a well-known home warranty company with over 50 years of experience. They offer several different plans, including a combo plan and a build-your-own plan. Their coverage includes major home systems and appliances, and they have a large network of licensed and insured contractors.
Pros:
- Comprehensive coverage options
- Large network of contractors
- 24/7 customer service
Cons:
- Higher pricing than some competitors
- Some negative customer reviews
3. Select Home Warranty
Select Home Warranty is a newer home warranty company that has quickly become popular in California. They offer two different plans, including a bronze plan and a gold plan. Their coverage includes major home systems and appliances, and they have a network of licensed and insured contractors.
Pros:
- Affordable pricing
- Fast claims process
- Good customer service
Cons:
- Some limitations on coverage
- Mixed customer reviews
4. Liberty Home Guard
Liberty Home Guard is a newer home warranty company that offers several different plans, including a standard plan, a premier plan, and a optional coverage plan. Their coverage includes major home systems and appliances, and they have a network of licensed and insured contractors.
Pros:
- Customizable plans
- Comprehensive coverage options
- Good customer service
Cons:
- Higher pricing than some competitors
- Some limitations on coverage
5. Total Home Protection
Total Home Protection is a home warranty company that offers several different plans, including a gold plan and a platinum plan. Their coverage includes major home systems and appliances, and they have a network of licensed and insured contractors.
Pros:
- Comprehensive coverage options
- Good customer service
- Quick claims process
Cons:
- Higher pricing than some competitors
- Some negative customer reviews
Pros and Cons of Each Company
While each of these companies offers similar coverage options, there are some pros and cons to consider before choosing the best fit for your needs. Here is a summary of the pros and cons of each company:
- Choice Home Warranty:
- Pros: Affordable pricing, easy claims process, good customer service
- Cons: Some limitations on coverage, long waiting times for repairs and replacements
- American Home Shield:
- Pros: Comprehensive coverage options, large network of contractors, 24/7 customer service
- Cons: Higher pricing than some competitors, some negative customer reviews
- Select Home Warranty:
- Pros: Affordable pricing, fast claims process, good customer service
- Cons: Some limitations on coverage, mixed customer reviews
- Liberty Home Guard:
- Pros: Customizable plans, comprehensive coverage options, good customer service
- Cons: Higher pricing than some competitors, some limitations on coverage
- Total Home Protection:
- Pros: Comprehensive coverage options, good customer service, quick claims process
- Cons: Higher pricing than some competitors, some negative customer reviews
Is home appliance insurance worth it?
Home appliance insurance can be a great way to protect yourself from expensive repairs or replacements of your home appliances. It can provide peace of mind knowing that if something goes wrong, you won’t have to worry about the financial burden associated with getting it fixed.
However, it’s important to do your research and make sure you understand exactly what is covered by the insurance policy and how much it will cost. Some policies may only cover certain types of repairs or replacements, so make sure you read the fine print carefully before signing up. Additionally, some policies may require you to pay a deductible for each repair or replacement, which can add up over time.
Ultimately, it comes down to weighing the cost of the insurance against the potential cost of repairs or replacements for your home appliances. If you think that having insurance is worth the peace of mind, then it may be worth considering.
Conclusion
Home warranty insurance can provide homeowners in California with peace of mind by covering unexpected repairs and replacements of major home systems and appliances. When choosing a home warranty company, it’s important to consider the coverage options, pricing, customer service, and pros and cons of each company. By choosing one of the top 5 best home warranty companies in California, homeowners can protect their investments and save money on unexpected repairs and replacements.
FAQs
- Is home warranty insurance the same as homeowner’s insurance?
- No, homeowner’s insurance covers damage caused by natural disasters, theft, and other incidents, while home warranty insurance covers unexpected repairs and replacements due to normal wear and tear.
- What is the average cost of home warranty insurance in California?
- The cost of home warranty insurance in California varies depending on the coverage options and the home warranty company. On average, it can range from $300 to $600 per year.
- What is the claims process like for home warranty insurance?
- The claims process for home warranty insurance varies depending on the home warranty company. Generally, homeowners need to contact their home warranty company to file a claim, and then the company will send a licensed and insured contractor to assess and repair or replace the covered item.
- What items are typically covered by home warranty insurance?
- Home warranty insurance typically covers major home systems and appliances, such as heating and cooling systems, plumbing, electrical, appliances, and more.
- How do I choose the best home warranty company for my needs?
- When choosing a home warranty company, it’s important to consider the coverage options, pricing, customer service, and pros and cons of each company. Reading customer reviews can also be helpful in making a decision.
1 thought on “Home Warranty Insurance California: Top 5 Best Home Appliance Insurance Companies”
Comments are closed.