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Verified Reviews for Home Warranty pros in Rancho Santa Margarita, CA

*The Angi rating for Home Warranty companies in Rancho Santa Margarita, CA is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Home Warranty needs.

*The HomeAdvisor rating for Home Warranty companies in Rancho Santa Margarita, CA is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Home Warranty needs.

Last update on December 07, 2025

Find Home warranty providers in Rancho Santa Margarita

Optimum Home Shield

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Optimum Home Shield

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Optimum Home Shield has an unwavering commitment to improving the conditions for homeowners and realtors with industry-leading home warranty plans and exceptional services to the customers we're privileged to serve. We provide our consumers with fast and easy solutions to repair or replace the appliances and systems in their home when malfunctioning due to normal wear and tear.

Optimum Home Shield has an unwavering commitment to improving the conditions for homeowners and realtors with industry-leading home warranty plans and exceptional services to the customers we're privileged to serve. We provide our consumers with fast and easy solutions to repair or replace the appliances and systems in their home when malfunctioning due to normal wear and tear.

HHS Harris home service

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HHS Harris home service

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30 years of experience

Hello neighbors, We are a small local residential plumbing service and repair company with over 25 years experience located in south Orange county. Please feel free to call or text us with any questions or to make an appointment.

Hello neighbors, We are a small local residential plumbing service and repair company with over 25 years experience located in south Orange county. Please feel free to call or text us with any questions or to make an appointment.

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Advance Mortgage Solution Inc

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Advance Mortgage Solution Inc

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24 years of experience

We help guide our clients to the right path for all their residential and commercial mortgage needs. Whether you're a first time home buyer or a seasoned investor the market is constantly changing. These changes mean new loan programs are coming while old loan programs are going. Constant continued education is a must. Our system allows our account executives to be the best in our business so that the help you are getting comes second to none. www.mymortgage.services

We help guide our clients to the right path for all their residential and commercial mortgage needs. Whether you're a first time home buyer or a seasoned investor the market is constantly changing. These changes mean new loan programs are coming while old loan programs are going. Constant continued education is a must. Our system allows our account executives to be the best in our business so that the help you are getting comes second to none. www.mymortgage.services

Duran Agency - Farmers Insurance

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Duran Agency - Farmers Insurance

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10 years of experience

Mutli-Line Insurance Agency equipped to cover all your insurance needs. We are licensed insurance professionals specializing in Property & Casualty - Life Insurance - Health Insurance and Financial Services. Our focus is building a relationship with each of our families and help you ensure all your insurance needs are covered.

Mutli-Line Insurance Agency equipped to cover all your insurance needs. We are licensed insurance professionals specializing in Property & Casualty - Life Insurance - Health Insurance and Financial Services. Our focus is building a relationship with each of our families and help you ensure all your insurance needs are covered.

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American National Escrow, Inc.

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American National Escrow, Inc.

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11 years of experience

American National Escrow acts as a professional third party agent that handles all the details involved in a Real Estate escrow transaction. We are committed to creating solid, long-lasting relationships with our clients. Our team of escrow specialists are dedicated to supporting you and your business with an exceptional level of service. We are a full service escrow company that handles all types of transactions. American National Escrow provides tailored service to meet your needs.

American National Escrow acts as a professional third party agent that handles all the details involved in a Real Estate escrow transaction. We are committed to creating solid, long-lasting relationships with our clients. Our team of escrow specialists are dedicated to supporting you and your business with an exceptional level of service. We are a full service escrow company that handles all types of transactions. American National Escrow provides tailored service to meet your needs.

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Home Warranties questions, answered by experts

Many installers offer warranties for materials and workmanship. Confirm terms with your provider.

A home warranty is like a protection plan for things that insurance wouldn’t normally cover. You pay a monthly or annual fee to maintain coverage, and your home warranty provider will cover the cost of repair or replacement for covered items if something breaks down. The idea of a home warranty is that it provides you with peace of mind that you won’t have unexpected appliance or home system repair costs. They can also make your home more valuable to buyers, as they help ensure they won’t face high repair costs after putting a large down payment on a house.

An improperly installed skylight could potentially impact your roof's warranty. This happens because roofing penetration is necessary during skylight installation. Check your warranty information to verify. In most cases, having skylights professionally installed with proof that flashing is being done to specifications can be enough to preserve your roof's warranty.

Yes, most stairlifts include warranties for parts and labor. Confirm terms with your provider.

The main types of home warranties cover the basic essentials, but additional plan types focus on specific areas such as:

  • Appliance plan: This plan covers typical household appliances like refrigerators, stoves, washer and dryer, built-in microwaves, and dishwashers. It costs $360 and $540 per year. 

  • System plan: Costing between $360 and $540 per year, this plan covers central home systems like HVAC, plumbing, electrical, and water heaters. 

  • Combination plan: This plan type covers both systems and appliances, costing between $545 and $1,500.

The Rancho Santa Margarita, CA homeowners’ guide to home warranties

From average costs to expert advice, get all the answers you need to get your job done.

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  • Mother cooking with her daughter
    Dan Simms
    •

    If you’re looking to add a level of protection to your home’s appliances and systems (like plumbing), you may be considering purchasing a home warranty. Keep reading to learn about the various pros and cons associated with common home warranty plans.