Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Thinking about purchasing a home warranty? One of our top home warranty providers can help. Moberly gives homeowners some great neighborhoods and the opportunity to enjoy the seasons. However, the variable temperatures can do a number on your home's systems, such as your HVAC.
A home warranty can bring 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 warranty on the market can be quite overwhelming as there are lots of companies to choose from. That's why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Moberly 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 Moberly residents. Choice is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. Choice's service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered system or appliance.
Read our Choice Home Warranty full review to learn more. To receive a free quote from Choice Home Warranty, 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 offers the most cost-effective home warranty for Moberly residents. Select has about 11 years of experience in the home warranty market and in that time has built a an network of service technicians in the country. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process easy.
Select Home Warranty offers 3 plans for Moberly 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.
Read our thorough review of Select Home Warranty to learn more. 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 offers the most customizable home warranty in Moberly. AHS has around 26 years of experience in the home warranty industry and in that time has built a an network of service professionals nationwide. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the home warranty for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS offers 3 plans for homeowners to choose from.
American Home Shield has 3 plans that provide a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our detailed review of American Home Shield. 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
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 Moberly, The Home Service Club is the best home warranty with the quickest service. HSC is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. HSC has 2 simple plans, making the selection process quick and easy. 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000 at the maximum.
Read our review of The Home Service Club to learn more. To receive 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
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Moberly residents. Liberty has been in the home warranty industry for about 6 years. Liberty has 3 simple plans, making the selection process quick and easy. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Moberly homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Moberly area.
For a more detailed breakdown, read 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
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 Moberly, First American Home Warranty offers the best home warranty for appliance coverage. First American has over 39 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. First American offers 2 plans for you to choose from. When you purchase a policy 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Moberly area.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit our review of First American Home Warranty.
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 Moberly, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for over 44 years. 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 has 3 simple plans, making the selection process easy.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
Read more by visiting our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
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 |
|---|---|
| Air Conditioner | $5,561 |
| Heating | $3,707 |
| Electrical | $556 |
| Toilets | $463 |
| Washer/Dryer | $741 |
| Plumbing | $556 |
| Oven | $1,483 |
| Fridge | $556 |
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they have issues over time due to normal wear and tear. Having one in place can give you some peace of mind and guard your savings account from unexpected out-of-pocket costs. Most home warranty plans take effect about 30 days after paying for the home warranty plan.
Filing a claim with your home warranty company is quite straightforward. There will be an online portal system or a direct phone number to request service for a repair or replacement.
At this point, you'll pay your service fee, which is generally between $60 and $150, depending on what plan you have. After the service fee is paid, a service technician 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 .
A home warranty plan will cover home systems and appliances from normal wear and tear. Common appliances covered under a home warranty plan include a dryer, dishwasher, garbage disposal, refrigerator, microwave, washer, and more. The systems that are usually covered will be plumbing, heating, air conditioning, and electrical systems.
Add-on options can vary by plan but often include things like a second refrigerator, sprinkler system, septic system, central vacuum, and plumbing stoppages.
An important thing to note is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things like lack of maintenance, cosmetic damages, pre-existing conditions, and misuse are not included in the home warranty policy.
Home warranties are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Moberly hitting an average high of 63℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system stop working.
A home warranty also saves you time and energy. Instead of spending hours researching and selecting a technician to fix your appliance or system, home warranty companies do the hard work for you and just send a trusted professional to your door whenever you need them.
As for the disadvantages of home warranties, coverage varies by provider, so it's important to understand what each plan covers and excludes in the contract.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They most likely won't cover home systems or appliances that have stopped working due to natural disasters, improper maintenance, animal infestations, etc.
The first step in protecting your real estate investment with a home warranty is determining which company's plan is the best for you. Consider the items in your home you'd like coverage for and compare the plans. Here is a list of factors that you'll want to bear in mind when picking a home warranty provider:
The top home warranty company in Moberly is Choice Home Warranty. Choice Home Warranty has a large network of experienced contractors and a respected reputation in the Moberly area.
A home warranty is a kind of service contract designed to give homeowners extra coverage for their household systems and appliances. These include dishwashers, washing machines, garbage disposals, dryers, refrigerators, electrical systems, heating and cooling systems, sump pumps, water heaters, and plumbing, among others. Some plans also offer coverage for ceiling fans, roofs, pools, and garage door openers. A home warranty can help you save money if these appliances and systems break down unexpectedly.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan yearly, which can be good in Moberly for some protection against something like your heater or A.C. needing repairs when you require it the most.
A service fee is a cost that you pay before a service technician or contractor comes to your home to fix your home warranty-related issue. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket cost that homeowners have with a home warranty in place apart from the monthly premium/annual cost unless the cost of the repair is greater than the coverage cap.
A Moberly home warranty can cost between $40 and $80 a month. Higher-priced plans typically have more coverage, a lower service fee, and higher coverage limits.
Typically, coverage for a home warranty policy begins 30 days after payment. However, a few providers may allow you to make a service request before this, so check with customer service to find the exact waiting period for your case.
