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Written By David Cusick
Last Updated June 2024
There are many perks of owning a home, but as your Ladera Ranch home ages, you may need to factor in the cost of updating your systems and appliances. A home warranty policy can help protect you by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be challenging, since there are so many companies to decide between. That’s why our team at Today's Homeowner did the research and put together a list of the best home warranty companies in Ladera Ranch 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
Choice Home Warranty is the best overall home warranty for Ladera Ranch residents. Choice has around 15 years of experience in the home warranty market and in that time has built a impressive network of service professionals in the country. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. 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.
There are 2 home warranty plans from Choice Home Warranty: 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 be sure to check with the provider. Service fees are an affordable $85.
For more information on this provider, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
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
Select Home Warranty is the most cost-effective home warranty for Ladera Ranch residents. Select has around 11 years of experience in the home warranty market and in that time has built a impressive network of service professionals in the country. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $60.
For more information on this provider, read our review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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
American Home Shield is the most customizable home warranty for Ladera Ranch residents. AHS has around 26 years of experience in the home warranty market and in that time has built a impressive network of service professionals in the country. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
For more information on this provider, read our review of American Home Shield. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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
First American Home Warranty is the best home warranty for appliance coverage for Ladera Ranch residents. First American has around 39 years of experience in the home warranty market and in that time has built a impressive network of service professionals in the country. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $85.
For more information on this provider, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
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
Cinch Home Services is the home warranty with the best workmanship guarantee for Ladera Ranch residents. Cinch has around 44 years of experience in the home warranty market and in that time has built a impressive network of service professionals in the country. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
For more information on this provider, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
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
The Home Service Club is the best home warranty with the quickest service for Ladera Ranch residents. HSC has around 15 years of experience in the home warranty market and in that time has built a impressive network of service professionals in the country. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
For more information on this provider, read our review of The Home Service Club. To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
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 | $7,865 |
Heating | $5,244 |
Electrical | $787 |
Toilets | $655 |
Washer/Dryer | $1,049 |
Plumbing | $787 |
Oven | $2,097 |
Fridge | $787 |
A home warranty is a protection policy that helps Ladera Ranch homeowners lower the expenses of appliance and system repairs. The plans offer coverage to fix or replace appliances and systems that break down due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and modern appliances may not require a home warranty.
Home warranties cover your home's systems and appliances. Typical covered appliances include washers, dishwashers, dryers, refrigerators, garbage disposals, microwaves, and others. Covered systems include plumbing, air conditioning, electrical, and heating. Various home warranty plans offer extra coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Ladera Ranch homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't cover things like cosmetic issues, pre-existing conditions, natural disasters, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by your policy.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans include protection for heating, plumbing, electrical, AC, and appliances. More robust coverage options also include protection for other items such as spas, roof leaks, pools, and well pumps. Focus on providers with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize protection for your needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which is paid per claim you submit. The costs from multiple fees can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty provider's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. More extensive networks improve the likelihood of getting skilled contractors to your home swiftly. Contact possible providers to ask how many technicians they have in Ladera Ranch to understand how long repairs might take in an urgent situation.
Some home warranty companies include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can provide extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your home warranty.
Temperatures in Ladera Ranch can get quite high in the summer, which means your air conditioner is likely to get a decent amount of use. As a homeowner in Ladera Ranch, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
In addition to saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the pain of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may experience. A home warranty can also have value in other ways. For instance, some plans can be transferred between owners during a home sale.
As for the drawbacks of home warranties, system and appliance coverage varies by provider, so it’s important to read what each plan covers and doesn’t include in the contract.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They most likely won’t cover systems or appliances that have stopped working due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty in Ladera Ranch can cost between $30 and $60 a month. Higher-priced plans tend to have a lower service fee, higher coverage limits, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some providers will also reduce your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of a situation such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Ladera Ranch.
Homebuyers, homeowners, landlords, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different types of home warranties in Ladera Ranch include plans that cover either appliances or systems as well as combination plans. A combination plan will cover your systems and appliances, such as your dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the specific items listed in the plan.
Home warranty plans usually offer coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
In general, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Ladera Ranch, where the median home value is $1,238,650, having the seller pay for the home warranty can save you some money on your new home.