California guide · Updated October 22, 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.
See which companies serve your exact address
Availability changes by ZIP code. Enter yours to compare current plans and service fees side by side.
Enter your ZIP codeHome 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 stateSells plans in this state. Pricing is shared in your personalized quote.
American Home Shield
Serves the stateSells plans throughout this state, with no ZIP codes excluded in its latest targeting list.
Select Home Warranty
Serves the stateSells plans in this state. Enter your ZIP to see its published starting prices and service fees.
First American Home Warranty
Some ZIP codesServes many, but not all, ZIP codes in this state. Your ZIP decides whether it appears.
We based this list on territory info we recorded on October 21, 2026. It may have changed since then. Enter your ZIP to compare. Check with the company that they serve your address before you buy.
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
This provisional summary, its classification and the agency's role still need current-law review. Confirm with the official state resource.
Common questions
Are home warranty companies licensed in California?
Home protection contracts under the Insurance Code; companies must be licensed. This provisional summary, its program classification and the agency's role still need review against current state law. Start with the official state resource and confirm before relying on it.
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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