Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
There are lots of benefits of owning a home, but as your Moorpark home ages, you may have to update or repair your systems and appliances. A home warranty is a way to protect your savings account from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Finding the best home warranty on the market can be overwhelming, as there are so many companies to decide between. That’s why our team at Today's Homeowner did the research and made a list of the best home warranty companies in Moorpark for you.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
In Moorpark, Choice Home Warranty is the best overall home warranty. Choice has over 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Choice has 2 plans for you to decide between. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Moorpark homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000 at the maximum.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our Choice Home Warranty Review.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Moorpark, Select Home Warranty is the most cost-effective home warranty. Select has over 11 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Select has 3 plans for you to decide between. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Moorpark homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000 at the maximum.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our Select Home Warranty Review.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In Moorpark, American Home Shield is the most customizable home warranty. AHS has over 26 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. AHS has 3 plans for you to decide between. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Moorpark homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500 at the maximum.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield Review.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Moorpark, First American Home Warranty is the best home warranty for appliance coverage. First American has over 39 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. First American has 2 plans for you to decide between. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty offers 2 plans for Moorpark homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500 at the maximum.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our First American Home Warranty Review.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Moorpark, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has over 44 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Cinch has 3 plans for you to decide between. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Moorpark homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services Review.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
In Moorpark, The Home Service Club is the best home warranty with the quickest service. HSC has over 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. HSC has 2 plans for you to decide between. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Moorpark homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000 at the maximum.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our The Home Service Club Review.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $7,553 |
| Heating | $5,035 |
| Electrical | $755 |
| Toilets | $629 |
| Washer/Dryer | $1,007 |
| Plumbing | $755 |
| Oven | $2,014 |
| Fridge | $755 |
A home warranty is a protection policy that helps cut costs for Moorpark homeowners needing appliance and system repairs. These plans provide coverage to fix or swap out appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent costly emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties protect many home systems and appliances. Common covered appliances are washers, refrigerators, dishwashers, microwaves, garbage disposals, dryers, and others. Covered systems include electrical, air conditioning, heating, and plumbing. Various home warranty plans offer extra coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Moorpark should understand that most home warranty plans have a waiting period of 30 days before repair claims will be approved. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Here are some essential home warranty words to know before signing a contract:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage varies, although most plans provide coverage for heating, electrical, plumbing, AC, and appliances. More comprehensive options may also include other things such as roof leaks, pools, well pumps, and spas. Look for companies with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for companies advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty company's track record gives you insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Favorable ratings and reviews indicate a provider known for stellar service.
Home warranty businesses have networks of local contractors to handle repairs in your area. Reach out to potential providers to learn how many repair technicians they have in Moorpark and get an idea for how fast your repairs could take place in an emergency situation. Larger networks increase the chances of getting qualified contractors to quickly service your home.
Home warranty providers may include bonuses such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These add value beyond basic repair coverage. Added perks maximize the usefulness of your home warranty.
Temperatures in Moorpark can get quite high in the summer, which means your air conditioner is most likely going to get a good bit of use. As a homeowner in Moorpark, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
In addition, having a home warranty can save you some time by removing the need to research contractors — most companies will send a trusted professional right to your door to carry out the necessary repair or replacement. Another benefit of having a home warranty is while selling your home, you can most likely transfer your home warranty policy to the new owners. This can make your house more attractive to potential homebuyers and help your house sell faster.
One major drawback of home warranties is not every home system and appliance may be covered. It’s important to research the different plans and choose one that covers all the appliances, systems, and add-ons you need.
Another downside is that home warranties may not include some repairs, like those needed because of natural disasters. For example, if your house floods, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty policy costs, on average, around $300 to $600 a year in Moorpark. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your entire home in case of something such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim if you need a new washing machine or stove, unless the damage is a result of a natural disaster, which isn't that common in Moorpark.
A home warranty can help investors, homeowners, homebuyers, home sellers, and real estate agents. It can offer peace of mind to anyone involved with homeownership.
The different types of home warranties in Moorpark include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers your home systems and appliances, such as your washing machine, drier, and plumbing. An appliance or system plan will cover only the items mentioned in the policy.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Typically, the one who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Moorpark is $901,917, a home warranty can be an added asset when buying a home.
