Best Home Warranty Companies In San Diego

AFC Home Warranty is the number one company in San Diego because of its flexibility in plans and coverage. The company offers four plans: one for systems, one for appliances and another two for 15 and 18 appliances and systems, respectively. The company’s additional coverage list includes electronics, sump pump, pool and spa and roof leak repairs.

Due to AFC’s flexibility in its plans, their prices can fluctuate significantly. The overall cost of a home warranty plan will depend on the chosen plan, the home’s square footage, the selected service fee and additional coverage. AFC Home Warranty also allows homeowners to choose their own technicians to do the repairs and offers them a work guarantee that lasts as long as the home warranty.

Learn more: AFC Home Warranty review

The costs below are just estimates based on the highest service fee of $125. The exact cost you’ll pay will depend on many different factors, so be sure to get a quote.

Basic Plans:

• Systems Plan ($41.83 per month). Covers six of the house’s major systems, including air conditioning, heating, electrical, and plumbing. The Systems Plan does not cover any appliances.
• Silver Plan ($32.42 per month). Covers nine of the high-traffic appliances of the house, including the kitchen’s refrigerator, oven and range, clothes dryer and washer and more. The Silver Plan does not cover any systems.

Mixed Plans:

• Gold Plan ($49.17 per month). Covers 15 appliances and systems, including laundry and kitchen appliances, air conditioning, heating and electrical systems and plumbing.
• Platinum Plan ($54.08 per month). Covers 18 appliances and systems, including laundry and kitchen appliances, air conditioning, heating and electrical systems and plumbing. It also covers built-in microwaves, plumbing stoppages and ice makers.

You can add extra services and coverage for the following items and systems:

• Pool and spa
• Stand-alone freezer
• Electronics
• Sump pump
• Septic System
• Roof Leak repairs
• Central Vacuum

Although Liberty Home Guard is one of the youngest companies in the market, providing services since 2017, it has quickly risen to the top of the best home warranty companies. The company offers three coverage plans, with fees starting from a range of $49.99 to $59.99 per month, but the most outstanding feature is the long list of more than 20 add-ons to customize your coverage to your house needs.

Liberty Home Guard offers its customers 24/7 online and telephonic support. It also has a technicians’ network of more than 10,000 vetted professionals and a work guarantee of 60 days. However, the company does not offer homeowners the chance of hiring their own contractors.

Learn more: Liberty Home Guard review

The costs below are based on the highest service fee of $125.

• Appliance Guard ($49.99 monthly). Covers home appliances, including the kitchen’s refrigerator, built-in microwave ovens, ranges, ovens, cooktops and dishwashers, laundry rooms’ clothes washers and dryers, garage door openers, garbage disposals and ceiling and exhaust fans.
• Systems Guard ($54.99 monthly). Covers home systems, including heating, ductwork, plumbing, electrical, and water heaters.
• Total Home Guard ($59.99 monthly). Covers systems and appliances, including water heaters, kitchen refrigerators, built-in microwave ovens, ranges, ovens, cooktops and dishwashers, laundry rooms’ clothes washers and dryers, garage door openers, garbage disposals, ductwork and plumbing and electrical systems.

You can add extra services and coverage for the following items and systems:

• Pest control
• Electronics protection
• Second refrigerator
• Additional spa
• Well pump
• Pool and spa
• Central vacuum
• Saltwater pool

American Home Shield stands out from other home warranties because of its comprehensive coverage, including unknown pre-existing conditions and significant coverage ranging from $2,000 to $5,000, with plans costing $19.99 to $89.99 monthly. The company’s service fees cost $75, $100 and $125.

Although its list of add-ons is less extensive than other companies, American Home Shield compensates for this with maintenance services such as rekey, discounted heat or AC tune-ups and air filter discounts. The company’s website may not have a live chat function, but still, the company is known for its excellent customer service and timely response to service requests.

Learn more: American Home Shield review

American Home Shield offers three coverage plans. The costs below are estimated ranges:

• ShieldSilver ($20–$40 monthly): Protects the parts of 14 major systems, including heating, air conditioning, electrical and plumbing systems.
• ShieldGold ($40–$60 monthly): Protects the parts of 23 major systems and appliances, including kitchen and laundry appliances and heating, air conditioning, electrical and plumbing systems.
• Shield Platinum ($70–$90 monthly): Protects the parts of 23 systems and appliances, including ShieldSilver and ShieldGold items, plus roof leak repair, up to $250 in coverage for code violations and permits and free HVAC tune-up.

You can add extra services and coverage for the following items and systems:

• Electronics protection plan
• Pool and built-in spa equipment coverage
• Roof leak repairs
• Guest unit
• Septic pump
• Well pump

Cinch offers a 180-day work guarantee and plans that typically range from around $34.99 to $61.99 per month. The service fees are customizable and range from $100 to $150. Cinch also stands out by being one of the few home warranty companies that cover pre-existing issues within the home.

The company’s coverage plans for appliances and systems are similar to the competition, as are its add-ons. However, the company differentiates itself by offering an app that allows customers to submit and track claims, unlike larger companies that only let customers file over the phone or through a website.

Learn more: Cinch Home Services review

As with most home warranty plans, costs will vary depending on factors like service fee tier, home size and more. The costs below are estimates based on the highest service fee.

• Home Appliance Coverage ($34.99 per month) covers the repair and replacement payments for appliances such as built-in dishwashers, ranges and ovens, microwaves, refrigerators, clothes washers, and dishwashers.
• Home Systems Coverage ($39.99 per month) covers the repair and replacement payments for heating, cooling, plumbing, electrical or other built-in systems.
• Complete Home Coverage ($49.99 per month) covers the repair and replacement payments for kitchen and laundry room appliances and heating, cooling, plumbing or electrical built-in systems.

You can add extra services and coverage for the following items and systems:

• Well pump
• Pool with spa (heater included)
• One pool (heater included)
• Spa (heater included)
• Septic tank/pumping

Each one adds from $4.58 to $22.00 per month to the overall cost of the home warranty.

Home Warranty of America is a home warranty company characterized by its reachability with a 24/7, 365-days-per-year customer service hotline where customers can speak with a live agent. HWA offers monthly plans from $46.04 to $59.92, including coverage for appliances, plumbing, electrical, heating, ventilation and air conditioning systems.

The company has been in business since 1996 and is a National Home Service Contract Association member. Its comprehensive warranty plans and add-ons are accessible to homeowners and real estate professionals

Learn more: Home Warranty of America review

The cost estimates below are based on the highest service fee of $100.

• Premier Plan ($46.06 per month): This plan covers most household installations and appliances, minus air conditioning.
• Premier Plus Plan ($59.92 per month): This plan offers more excellent coverage of the Premier Plan appliances, air conditioning and up to 30 other issues, including sediment in the water heater and plumbing fixtures.

You can add extra services and coverage for the following items and systems:

• Stand-alone Freezer: $3.00 monthly
• Septic tank pumping: $4.54 monthly
• Septic system: $5.31 monthly
• Well pump: $6.85 monthly
• Second refrigerator: $7.62 monthly
• Pool/spa combo: $19.15 monthly
• Saltwater pool: $25.31 monthly