5 Best Home Warranty Companies In Moraga, CA
Are you looking for the right home warranty in Moraga? We can help.
If you're lucky enough to call Moraga home, you are most likely aware of the challenges of homeownership. In the middle of summer, the last thing you want is having to take care of your air conditioner needing repairs.
Compare the Best Home Warranty Companies in Moraga
Moraga has dozens of home warranty companies to pick from. Finding a home warranty policy that is the right fit for your needs can be a bit of a challenge. Fortunately we have assessed things like coverage choices, pricing, service fees, customer service reviews, and more for each company to help you decide on one. Here's how each provider ranked.
| Company Name | Choice Home Warranty | American Home Shield | Select Home Warranty | |||
|---|---|---|---|---|---|---|
| Number of Plan Options | 2 | 3 | 3 | |||
| Monthly Plan Cost | $45.00 - $53.33 | $29.27 - $74.27 | $57.67 - $62.08 | |||
| Better Business Bureau Rating | B | B | B | |||
| Reviews | Reviews | Read Choice Home Warranty Reviews | Reviews | Read American Home Shield Reviews | Reviews | Read Select Home Warranty Reviews |
Home Warranty Companies In Moraga
- Choice Home Warranty: Best Overall
- American Home Shield: Most Customizable
- Select Home Warranty: Most Cost-Effective
- First American Home Warranty: Best Appliance
- Cinch Home Services: Best Workmanship Guarantee
Moraga's Top Home Warranty Companies'
- Pros:
- Over 10 years of experience
- 24/7 customer service team
- Home inspections aren’t required
- 90-day repair guarantee
For homeowners who want the best overall in Moraga, homeowners should consider opting for Choice Home Warranty. Choice has 2 simple plans, making the selection process quick and easy. The home warranty plans from Choice Home Warranty include Basic Plan and Total Plan.
Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so it's a good idea to check with the company. Service fees are $85. Plus, Choice offers high coverage caps and a contract that's easy to understand.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Basic Plan | $45.00 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater. Basic Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Basic Plan Add On |
| Total Plan | $53.33 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator. Total Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Total Plan Add On |
- Pros:
- 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
For homeowners who need the most customizable in Moraga, American Home Shield is the best option. The 3 home warranty plans that AHS offers include options for appliance and system coverage. Its plans are ShieldSilver, ShieldGold, and ShieldPlatinum.
AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so it's a good idea to ask the company. Service fees range from $70 to $125. AHS has established itself as a provider with a customizable plan and a low claim denial rate.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| ShieldSilver | $29.27 - $44.27 | $75.00 - $125.00 | View Items Covered Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan. ShieldSilver Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldSilver Add On |
| ShieldGold | $39.27 - $54.27 | $75.00 - $125.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan. ShieldGold Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldGold Add On |
| ShieldPlatinum | $59.27 - $74.27 | $75.00 - $125.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan. ShieldPlatinum Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldPlatinum Add On |
- Pros:
- 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
In Moraga, Select Home Warranty is the most cost-effective home warranty plan. The 3 plans from Select are easy to comprehend and offer both system and appliance coverage. Select Home Warranty's plans include Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.
Service fees from Select are $80. The coverage caps are also around $2,000. Select has established itself as a company with an affordable service fee and free roof coverage.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Bronze Care Plan | $57.67 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer. Bronze Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Bronze Care Plan Add On |
| Gold Care Plan | $57.67 | $60.00 | View Items Covered Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater. Gold Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Gold Care Plan Add On |
| Platinum Care Plan | $62.08 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages. Platinum Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Platinum Care Plan Add On |
- Pros:
- 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
First American Home Warranty is a good choice for homeowners who'd like the best appliance in Moraga. First American offers 2 plans for you to decide between, which contain a combination of system and appliance coverage. The home warranty plans from First American Home Warranty include Basic Plan and Premier Plan.
First American has coverage caps of around $1,500 for most systems and appliances, but with some plans, the coverage caps can be higher, so it's a good idea to verify with the company. Service fees are $85. Plus, First American has comprehensive appliance coverage and a unique add-on that 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.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Basic Plan | $38.00 | $85.00 | View Items Covered Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Trash compactor, Washer, Water dispenser. Basic Plan Included Item | View Add-on Items Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade. Basic Plan Add On |
| Premier Plan | $48.50 | $85.00 | View Items Covered Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Vacuum, Water heater, Washer, Water dispenser. Premier Plan Included Item | View Add-on Items Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade. Premier Plan Add On |
- Pros:
- Offers home insurance deductible of $500
- Extra long 180-day workmanship guarantee
- Offers free cancellation in the first 30 days
Cinch Home Services is the best workmanship guarantee home warranty in Moraga. Cinch has 3 simple plans, making the selection process easy. The home warranty plans from Cinch Home Services include Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
Cinch has coverage caps of around $1,000-$2,000 for most systems and appliances, but with some plans, the coverage caps can be higher, so it's important to check with the company. Service fees range from $75 to $150. Plus, Cinch offers a 180-day workmanship guarantee and a wide range of coverage options.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Appliances Plan | $34.99 - $50.99 | $75.00 - $150.00 | View Items Covered Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer. Appliances Plan Included Item | View Add-on Items Pool, Septic, Well pump. Appliances Plan Add On |
| Built-in Systems Plan | $39.99 - $57.99 | $75.00 - $150.00 | View Items Covered Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan. Built-in Systems Plan Included Item | View Add-on Items Pool, Septic, Well pump. Built-in Systems Plan Add On |
| Complete Home Plan | $49.99 - $67.99 | $75.00 - $150.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan. Complete Home Plan Included Item | View Add-on Items Pool, Septic, Well pump. Complete Home Plan Add On |
What does a Home Warranty Cover in Moraga?
Now that you have a better idea of which home warranty providers are the best in Moraga, you may be curious what their plans generally cover. With a home warranty in Moraga, you can have the peace of mind that a broken HVAC or refrigerator will only cost you a service fee. Some home warranty plans will have system and appliance coverage, while others will have one or the other. Most Moraga homeowners like to have a combination of coverage to ensure all needs are met.
The home systems typically covered under a home warranty are
- HVAC (heating and air conditioning)
- Water heater
- Plumbing system
- Electrical system
As for appliances, the common ones covered are
- Built-in Microwave
- Refrigerator
- Clothes Washer
- Clothes Dryer
- Oven / Range / Stove
- Dishwasher
Cost of a Home Warranty in Moraga?
The cost of a home warranty plan is something that you need to take into consideration when picking a plan. We at Review Home Warranties have done in-depth research to make sure you have an excellent understanding of what a home warranty in Moraga will cost. The cost will vary based on the coverage choices, the size of your home, and the service fee that you opt for.
Your premium can range from $30-$80 a month, and $60-$150 for the service fee you'll pay each time a contractor visits your home. The exact amount you'll pay depends on the type of coverage the plan offers. What will also influence the total cost is the add-on coverage you get. Keep these averages in mind as you research the perfect plan for your needs.
Is a Home Warranty Worth It in Moraga?
Most people that sign up for a home warranty in Moraga are trying to save money. However, there are other benefits, as well as some potential drawbacks, of a home warranty that homeowners should be aware of. Let's go over the benefits first:
- Workmanship guarantee--After getting a repair, if the issue returns within the guarantee period, the home warranty will help you with it again. The guarantee period is typically between 30 and 90 days.
- Quality contractors--There are plenty of quality contractors in the Moraga area, but finding one that is a good fit for your needs can be tricky. When you have a home warranty in place, the search for a contractor is taken care of for you since home warranty companies have connections with contractors.
- Fast response times--If you don't have a home warranty, you must search for a contractor, book them, and hope they show up on time to do the repair. But, with the fast response times of a home warranty, you can have your repair in a 24-48 hour period.
There are also some conditions to bear in mind about home warranties that could be a drawback for homeowners, particularly:
- Exclusions--Be sure you take a look at the home warranty contract to see what the exclusions are. They can consist of things such as pre-existing conditions, intentional damage, or appliances covered under a manufacturer's warranty.
- Waiting period--Many home warranties have you wait 30 days before you can file a claim.
- Choosing a contractor--Most home warranty companies will pick a contractor for you. For some, this is a benefit because it's one less thing they have to concern themselves with, but for others, this can be a drawback because they want to choose for themselves.
Alongside money, a home warranty can save you a lot of time too. Rather than contacting several contractors for estimates, you just have to call your home warranty company and they'll take care of the repair for you for just a service fee.
FAQ's for Home Warranties in Moraga
What's the best home warranty company in Moraga?
Our overall pick for the top home warranty in Moraga is Choice Home Warranty. However, the right company for you depends on the kind of coverage you need for the appliances and systems in your home.
How is a home warranty different from homeowners insurance?
A home warranty protects against the normal wear of systems and appliances in a home. Homeowners insurance protects a home in a situation like a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new washing machine or dishwasher, unless the damage is due to a natural disaster.
When should I purchase a home warranty?
For homeowners with new appliances that are already covered under a manufacturer's warranty, you may want to hold off on getting a home warranty. Home warranty providers won't cover appliances and systems that are already covered by a warranty.
Should I get a home warranty?
First-time home buyers, landlords, home sellers, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save homeowners money in the long run.
Our Rating Methodology
At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our top home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what we value in our review process:
- Plan options: Providers that offer more flexibility in their plans are rated higher.
- Coverage specifics: The more items covered in a home warranty plan, the higher the score.
- Pricing: We take the monthly fee and service fee into consideration when rating pricing.
- Trustworthiness: We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
- State availability: Finding coverage in your state can be a challenge if home warranty companies aren't located there. The more states covered, the higher the score.
- Customer service: Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
- Additional benefits: Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.
Of the 50 different companies that we've reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.