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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 02, 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

You may be able to negotiate an as-is purchase, but many sellers who list their homes as-is aren’t willing to lower their asking price since they’ve already accounted for the price of repairs. Homes are often listed as-is for a quick sale, so there’s a chance a seller may negotiate in order to make the sale—it never hurts to ask.

Many water heaters come with warranties provided by the manufacturer or retailer. It’s important to understand how your water heater warranty works, so you know what is covered and what isn’t. Water heaters last, on average, between eight and 15 years, so if the warranty offered isn’t long enough for your comfort, you can choose to look into and purchase an extended warranty.

Most home warranties last for a year, and you pay either for the entire year up front or you agree to pay monthly. Some home warranty providers let you extend the contract term to two, three, four, or even five years, and in some cases, contract terms can go up to ten years.

Most home warranties exclude aesthetic damage, pre-existing issues, intentional damage, and issues that stem from a lack of proper maintenance. Home warranty companies also have contract terms that can exclude specific types of HVAC systems or certain components of an appliance or home system, so you should read your contract in its entirety to make sure you understand your coverage before signing up.

Offering a home warranty when selling can make your property more appealing to potential buyers. The warranty gives them peace of mind that many systems or appliances will be covered if they need to be repaired or replaced in the near future. Additionally, the home warranty may cover problems that arise during the home sale, such as a leaky roof or water in the basement.

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.

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