California guide · Updated October 21, 2026

Best Home Warranty Companies in California

California homes range from 1920s bungalows to new tract builds, and the climate swings from coastal fog to desert heat. A home warranty can help pay for repairs when covered systems and appliances wear out, but it isn't earthquake, fire or flood protection.

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Home warranty companies serving California

Listed in no particular order — not a ranking. The best fit depends on your home, your budget and the coverage you want.

Choice Home Warranty

Serves the state

Sells plans in this state. Pricing is shared in your personalized quote.

American Home Shield

Serves the state

Sells plans throughout this state, with no ZIP codes excluded in its latest targeting list.

Select Home Warranty

Serves the state

Sells plans in this state. Published starting rates and service-fee ranges appear on the comparison page.

First American Home Warranty

Some ZIP codes

Serves many, but not all, ZIP codes in this state. Your ZIP decides whether it appears.

What California homeowners should check

Cooling in inland areas

Air conditioning gets heavy use in the Central Valley, Inland Empire and desert regions. Check each plan's limits for HVAC repair and replacement.

Older plumbing and electrical

Many older homes in coastal cities have original pipes and wiring. Plans usually exclude problems that existed before coverage started, so read the pre-existing condition terms.

Natural disasters aren't covered

Earthquake, wildfire and flood damage belong to insurance, not a home warranty. A warranty covers breakdowns from normal wear and tear.

How California regulates home warranties

Agency: California Department of Insurance

Law: Home protection contracts under the Insurance Code; companies must be licensed

Visit the agency site · All 50 states

Common questions

Are home warranty companies licensed in California?

Yes. California treats home warranties as home protection contracts under its Insurance Code, and companies must be licensed by the California Department of Insurance.

Does a California home warranty cover earthquake damage?

No. Home warranties cover breakdowns from normal wear and tear. Earthquake damage needs separate earthquake insurance.

More answers: Home warranty FAQ · Blog

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