Home Warranty Companies in California
2026 State Guide
Our data lists 12 of the 15 companies we track as serving California. Old Republic Home Protection ranks first among them at 8.4 out of 10. California has warmed by almost 3 degrees F since the start of the 20th century, and its six warmest years on record all fall after 2014.
Companies Available
12
of 15 tracked
Top 3 Picks From
$44
per month, by plan
Primary Risk
AC
cooling, our reading
Regulator
California Department of Insurance
Home-specific rules
California State Snapshot
Housing units
14,995,410
Owner-occupied rate
55.9% (US 65.2%)
Median home value
$734,700
Primary HVAC risk
Cooling (our reading)
Companies listed
12 of 15 tracked
Regulatory body
California Department of Insurance
55.9% of California homes are owner-occupied, below the 65.2% national rate, and the median owner-occupied home is worth $734,700, 121% higher than the national median of $332,700.
Source: Census Bureau QuickFacts for California. Census Bureau QuickFacts: housing units are the July 1, 2025 estimate; owner-occupied rate and median value are 2020-2024 American Community Survey 5-year estimates.
In California's largest city, Los Angeles, 36% of homes are owner-occupied and the median owner-occupied home is worth $921,200.
Source: Census Bureau QuickFacts for Los Angeles, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release).
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Climate and Coverage Context
California's climate puts cooling under strain, in our reading
California has warmed by almost 3 degrees F since the start of the 20th century, and its six warmest years on record all fall after 2014. Annual precipitation has been below average since 2000, and statewide totals have ranged from 7.9 inches in 2013 to 42.5 inches in 1983. Earlier melting of the snowpack from rising temperatures is projected to affect water supply.
Air conditioning does most of the work here, so the cooling side of the HVAC cap is the number to check.
Source: NOAA NCEI State Climate Summary for California (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a California estimate. 12 of 15 tracked companies serve California in our data; "Likely" and "Check" rows are not verified for California.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | CA |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Yes |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Yes |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Yes |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Check |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Yes |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Yes |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for California
Highest overall score among companies that serve California, leaving out companies we recommend against. How scores work.
Not Available or Unverified in California
Our data lists Choice Home Warranty as not serving California. It serves 49 states per our research.
Our data lists Cinch Home Services as not serving California. It serves 48 states per our research.
Check availability: HSA Home Warranty
These companies serve only some states and we have not verified California. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How California Regulates Home Warranties
Regulator
California Department of Insurance
Legal framework
Home protection contracts under the Insurance Code
California defines a home protection contract in its Insurance Code and requires a home protection company to be licensed. The code requires clear disclosure of covered items, exclusions and fees in the contract, annual financial statements and a solvency test. Complaints can go to the California Department of Insurance. The statute text we reviewed came from a third-party mirror, so check the official code for the current wording.
Type of rules: Home-specific rules. A law or program that names home warranties, home service contracts or residential service contracts.
Partly confirmed. The summary says which points we could not confirm. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for California Homeowners
Check the company's registration or license
Our sources show rules in California that name home warranties, home service contracts or residential contracts. Ask the California Department of Insurance whether the company you are considering is registered or licensed before you pay.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, Old Republic Home Protection, has an HVAC cap of $6,500/unit; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Know the renewal rule
California Business and Professions Code section 17602 requires automatic renewal terms to be presented clearly and conspicuously, your affirmative consent before you are charged, and an acknowledgment that includes the renewal terms and cancellation policy. A consumer who signs up online must be able to cancel online. Details
Know the cancellation limits
A California home protection contract generally cannot be cancelled by the company during its initial term except for nonpayment, fraud or material misrepresentation, or coverage that began before a home sale that then does not close. Details
Confirm coverage for your address
1 companies in our data serve only some states and are marked "check availability" for California. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in California
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. California's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
California Attorney General: complaint against a business or company
If another agency regulates the business, the Attorney General says to report it to that agency, and its complaint referral table helps you find the right one. The office uses complaints to decide whether to investigate and does not necessarily resolve individual disputes.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - California
Which home warranty companies serve California?
What is the best home warranty company in California?
Which home warranty plan has the highest HVAC coverage in California?
How much does a home warranty cost in California?
How does California's climate affect which plan to buy?
Where do I file a home warranty complaint in California?
How are home warranties regulated in California?
Neighboring States
Compare All California-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves California, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.