Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Although homeownership in Moscow has a lot of perks — such as being surrounded by nature — there are also not so glamorous sides. One major hassle many homeowners have to deal with eventually is replacing or repairing their home systems and appliances. A home warranty can give you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market is filled with a lot of providers — all with different plans — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Moscow.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
In Moscow, Liberty Home Guard offers the most trustworthy home warranty. When you purchase a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty offers 3 plans for you to decide between.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Moscow area.
To read more, visit our Liberty Home Guard full review. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
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 Moscow, Choice Home Warranty offers the best overall home warranty. When you purchase a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice offers 2 plans for you to decide between.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Moscow area.
To read more, visit our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
In Moscow, Select Home Warranty offers the most cost-effective home warranty. When you purchase a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for you to decide between.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Moscow area.
To read more, visit our Select Home Warranty full review. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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
In Moscow, American Home Shield offers the most customizable home warranty. When you purchase a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS offers 3 plans for you to decide between.
American Home Shield has 3 plans that offer a combination 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 cheaper than other providers in the Moscow area.
To read more, visit our American Home Shield full review. To get a free quote from American Home Shield, fill out this online form or give them a call at 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
In Moscow, First American Home Warranty offers the best home warranty for appliance coverage. When you purchase a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 offers 2 plans for you to decide between.
First American Home Warranty has 2 plans that offer a combination of appliance and system coverage. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Moscow area.
To read more, visit our First American Home Warranty full review. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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
In Moscow, Cinch Home Services offers the home warranty with the best workmanship guarantee. When you purchase a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. Cinch offers 3 plans for you to decide between.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Moscow area.
To read more, visit our Cinch Home Services full review. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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
In Moscow, The Home Service Club offers the best home warranty with the quickest service. When you purchase a plan 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. HSC offers 2 plans for you to decide between.
The Home Service Club has 2 plans that offer a combination of appliance and system coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Moscow area.
To read more, visit our The Home Service Club full review. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $5,646 |
| Heating | $3,764 |
| Electrical | $565 |
| Toilets | $470 |
| Washer/Dryer | $753 |
| Plumbing | $565 |
| Oven | $1,506 |
| Fridge | $565 |
A home warranty is a protection policy that assists Moscow homeowners lower the high costs of household repairs. These plans provide financial protection to fix or replace appliances and systems that stop working from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with outdated systems. More modern builds with modern appliances probably don’t need a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are refrigerators, microwaves, washers, dryers, dishwashers, garbage disposals, and more. Covered systems are typically electrical, air conditioning, plumbing, and heating. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Most home warranty plans require Moscow homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
There are several important considerations when choosing a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans cover plumbing, heating, AC, electrical, and appliances. More inclusive options also offer coverage on other items such as spas, well pumps, roof leaks, and pools. Focus on providers with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize your plan to meet your home's needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per repair request filed. The per-request costs can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some companies also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's rating gives you insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Positive ratings and reviews indicate a company known for stellar service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. Bigger networks raise the probability of getting skilled contractors to your home promptly. Reach out to possible providers to learn how many technicians they have in Moscow. This helps you understand how long repairs may take in an urgent situation.
Certain home warranty companies provide perks such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These bonuses can offer extra value beyond repair coverage. Added perks enhance your home and help maximize your home warranty.
Temperatures in Moscow can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Moscow, 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, having a home warranty can save you some time by removing the need to research technicians — most providers will send a trusted professional right to your door to do the repair or replacement. In addition, though it varies by company, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your house more attractive to potential homebuyers and help your home sell faster.
There are also some negatives to getting a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty.
Another thing to bear in mind is that some providers don’t cover pre-existing issues and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about it if you aren’t sure or if this is a problem for you.
A home warranty in Moscow can cost between $30 and $60 a month. The higher-priced plans tend to have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also lower 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 types of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects a home in a situation such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim should you need a new refrigerator or stove, unless the damage is a result of a natural disaster, which isn't that common in Moscow.
A home warranty plan can help homebuyers, real estate agents, homeowners, home sellers, and investors. It can offer peace of mind to anyone involved with homeownership.
The different home warranties in Moscow include plans that cover either appliances or systems as well as combination plans. A combination plan will cover many of your systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the policy.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Typically, the one who owns the home pays for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Moscow is $444,039, a home warranty can save you some money when buying a home.
