Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
There are a lot of benefits of owning a home, but as your Durango home gets older, you may find yourself needing to update or repair your appliances and systems. A home warranty can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the right warranty for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Durango. Read on for our top provider recommendations.
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
Liberty Home Guard is the most trustworthy home warranty for Durango residents. Liberty has more than 6 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. 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 Home Guard offers 3 plans for Durango homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered appliance or system.
For more information, read our Liberty Home Guard full review. To get a free quote from Liberty Home Guard, you can fill out this online form or call 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
Choice Home Warranty is the best overall home warranty for Durango residents. Choice has more than 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. 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 Home Warranty offers 2 plans for Durango homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered appliance or system.
For more information, read our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, you can 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 is the most cost-effective home warranty for Durango residents. Select has more than 11 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. 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 Home Warranty offers 3 plans for Durango homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 per covered appliance or system.
For more information, read our Select Home Warranty full review. To get 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 is the most customizable home warranty for Durango residents. AHS has more than 26 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. 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.
American Home Shield offers 3 plans for Durango homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered appliance or system.
For more information, read our American Home Shield full review. To get a free quote from American Home Shield, you can fill out this online form or call 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
First American Home Warranty is the best home warranty for appliance coverage for Durango residents. First American has more than 39 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders with various options for appliance and system 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 Home Warranty offers 2 plans for Durango homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 per covered appliance or system.
For more information, read our First American Home Warranty full review. To get a free quote from First American Home Warranty, you can fill out this online form or call 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Durango residents. Cinch has more than 44 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. 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 Home Services offers 3 plans for Durango homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 per covered appliance or system.
For more information, read our Cinch Home Services full review. To get a free quote from Cinch Home Services, you can fill out this online form or call 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
The Home Service Club is the best home warranty with the quickest service for Durango residents. HSC has more than 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. 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.
The Home Service Club offers 2 plans for Durango homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered appliance or system.
For more information, read our The Home Service Club full 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
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 | $6,420 |
| Heating | $4,280 |
| Electrical | $642 |
| Toilets | $535 |
| Washer/Dryer | $856 |
| Plumbing | $642 |
| Oven | $1,712 |
| Fridge | $642 |
A home warranty is a protection plan that helps Durango homeowners cut the costs of appliance and system repairs. The plans provide financial coverage to repair or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid expensive emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and modern appliances may not require a home warranty.
Home warranties cover many household systems and appliances. Covered appliances typically include washers, dryers, refrigerators, garbage disposals, microwaves, dishwashers, and more. Covered systems include air conditioning, heating, plumbing, and electrical. Many home warranty companies also provide additional coverage for central vacuums, locksmiths, roof leaks, and septic systems. It's important for Durango homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
There are a number of home warranty terms to understand before signing an agreement, including:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies, although most plans include protection for AC, heating, electrical, plumbing, and appliances. More comprehensive options may also include extra things such as spas, roof leaks, pools, and well pumps. Look for providers with flexible coverage choices, including upgraded plans. This allows you to tailor protection to your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for companies advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's rating gives insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Complimentary ratings and reviews indicate a company known for stellar service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Contact potential businesses to ask how many repair professionals they have in Durango and get an idea of how fast your repairs could be handled in an emergency. Bigger networks increase the chance of getting qualified contractors to quickly service your home.
Certain home warranty providers include perks such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These bonuses offer extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Home warranties are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Durango hitting an average high of 53℃F, you may find that some appliances, like your air conditioner, get a lot of use. A home warranty can considerably lower out-of-pocket expenses should your HVAC system break down.
Not only does a home warranty provide some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty deals with the research by sending trusted professionals to your door when you need them most. Additionally, having a home warranty can help make your house more appealing to potential homebuyers if you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the protection you’ve been getting.
There are also some downsides to purchasing a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty.
Another stipulation is that home warranties usually only cover damage from normal wear and tear. They most likely won’t cover home systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty in Durango can cost anywhere from $30 to $60 a month. Higher-priced plans typically have broader coverage, higher coverage limits, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some companies will also decrease 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 your home in a situation such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim if you need a new washing machine or stove, unless the damage is a result of a natural disaster, which isn't that common in Durango.
A home warranty can help homeowners, real estate agents, homebuyers, investors, and home sellers. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty can cover your systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
Usually the one who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Durango is $704,185, a home warranty can save you some money when buying a home.
