Written By Todays Homeowner Local Pros
Last Updated June 2023
Are you thinking about getting a home warranty? Try one of our top home warranty companies. There are many benefits of homeownership in Moraga. However, major home systems and appliances, like your electrical systems and washer and dryer, can break down due to normal wear and tear, leaving you with expensive repairs.
A home warranty can give you the peace of mind you need about your home and safeguard your bank account from large expenses by covering your home's major systems and appliances. Finding the best home warranties on the market can be a challenge because of the many options out there. If you are tired of trying to compare the different options, keep reading for our guide on the best home warranty providers in Moraga.
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 offers the best overall home warranty in Moraga. Choice has more than 15 years of experience in the home warranty industry and in that time has built a an network of service technicians nationwide. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are comprehensive and offer both system and appliance coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage limits come out to around $3,000 for each covered appliance or system.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information on this provider, read our review of Choice Home Warranty.
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 in Moraga. Select has more than 11 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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. The 3 plans from Select are easily comprehensible and have a mix of both system and appliance coverage.
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 with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $60.
For more information, read our review of Select Home Warranty. To get a free quote from Select Home Warranty, 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 in Moraga. AHS is a home warranty company with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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 has 3 plans that provide a mix of appliance and system coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Moraga area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our detailed review of American Home Shield to learn more.
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 Moraga, The Home Service Club is the best home warranty with the quickest service. HSC has 2 simple plans, making the selection process easy. When you purchase a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club 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 Moraga homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Moraga area.
For more information on this provider, read our The Home Service Club Review. To get 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
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 Moraga, First American Home Warranty is the best home warranty for appliance coverage. First American has over 39 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options. 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 has 2 plans that offer a combination of system and appliance coverage. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Moraga area.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. To read more, visit our review of First American Home Warranty.
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 Moraga residents. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our review of Cinch Home Services.
Built-in Systems Plan
Complete Home 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|
A home warranty is a service contract that makes it more affordable when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to keep a budget in place and don't want to dip into their savings to pay for large repair or replacement expenses. Typically, about 30 days after paying for a home warranty plan, the coverage will start on your home systems and appliances.
When you have a system or appliance that experiences an issue, you file a claim with your home warranty provider. You can do so in an online portal or by telephone, and then a repair technician will come and fix the problem.
At this point, you'll pay your service fee, which is generally between $60 and $150, depending on what plan you choose. Once the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. If the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs after the service fee is paid.
A home warranty will cover your home's systems and appliances from normal wear. Common appliances covered under a home warranty plan include a dryer, dishwasher, washer, garbage disposal, microwave, refrigerator, and more. The systems that are usually covered will be air conditioning, heating, electrical systems, and plumbing.
Many plans also have add-on coverage options for locksmiths, central vacuums, roof leaks, and even septic systems.
A home warranty will only protect against normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, natural disasters, pre-existing conditions, and intentional breakages are not covered with a home warranty.
Home warranties are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Moraga hitting an average high of 71℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can considerably bring down out-of-pocket costs should your HVAC system break down.
A home warranty can also offer value in other ways. For example, some policies can be transferred between owners during a home sale.
Home warranties also have some drawbacks. Although it can give you less to worry about since the home warranty sends out a repair person who takes care of the repair for you, some people may not like this, and they may want to select a contractor themselves. If that's the case for you, some home warranty providers allow you to select a contractor.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They often won't cover systems or appliances that need repairs or replacements due to animal infestations, natural disasters, improper maintenance, etc.
Finding the best company for your home warranty is a step you can take to help protect your house. Below is a list of factors that you'll want to keep in mind when selecting a home warranty provider:
The best home warranty provider in Moraga is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced repair technicians and a great reputation in the Moraga area.
A home warranty plan can help homeowners, home sellers, investors, homebuyers, and real estate agents. It can offer peace of mind to anyone involved in homeownership.
The different home warranties in Moraga are plans with coverage for either appliances or systems and a combination plan. A combination plan covers many of your systems and appliances, like your dishwasher, washing machine, and plumbing. An appliance or systems only plan will cover the appliances or systems listed in the contract.
A home warranty can protect you from high-cost repair bills, but only if you decide to purchase a good quality plan from a reputable company. When choosing a home warranty company to go with, you should look for things like its customer service and availability in your area. In addition, you should look at the type of coverage the company offers and what appliances and systems are covered. Homes that have appliances and systems on the older end may need a policy with more coverage.
A service fee is an expense that you pay before a repair technician or contractor comes to your home to fix your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners have with a home warranty apart from the monthly premium/annual cost unless the cost of the repair is more than the coverage cap.
A home warranty in Moraga can cost anywhere from $40 to $80 a month. Higher-priced plans tend to have more coverage, higher coverage limits, and a lower service fee.
Most home warranty policies have a 30-day waiting period before you can file claims, but some may offer coverage sooner so make sure you check with the company about this.