Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Our editorial team is committed to creating independent and objective content focused on helping our readers make informed decisions. To help support these efforts we receive compensation from companies that advertise with us.
The compensation we receive from these companies may impact how and where products appear on this site. This compensation does not influence the recommendations or advice our editorial team provides within our content. We do not include all companies, products or offers that may be available.
Last Updated: February 25, 2025
Garden City offers homeowners some beautiful housing options. However, unplanned repair and replacement costs on your home’s systems and appliances can get quite pricey. A home warranty can give you the peace of mind you need and shield your savings account from large expenses by covering your home’s major appliances and systems.
The home warranty market is saturated with a variety of providers — all with different offerings — so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Garden City.
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 Garden City, Liberty Home Guard offers the most trustworthy home warranty. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Garden City homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000.
For more information, read our full review of Liberty Home Guard. To get a free quote from Liberty Home Guard, 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
In Garden City, Choice Home Warranty offers the best overall home warranty. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Garden City homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000.
For more information, read our full review of Choice Home Warranty. To get 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
In Garden City, Select Home Warranty offers the most cost-effective home warranty. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it 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 Garden City 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. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000.
For more information, read our full review of Select Home Warranty. To get a free quote from Select Home Warranty, 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
In Garden City, American Home Shield offers the most customizable home warranty. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Garden City homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500.
For more information, read our full review of American Home Shield. To get a free quote from American Home Shield, 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
In Garden City, First American Home Warranty offers the best home warranty for appliance coverage. The 2 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it 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 Garden City homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500.
For more information, read our full review of First American Home Warranty. To get a free quote from First American Home Warranty, 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
In Garden City, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Garden City 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000.
For more information, read our full 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
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 Garden City, The Home Service Club offers the best home warranty with the quickest service. The 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it 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 Garden City homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000.
For more information, read our full review of The Home Service Club. To get a free quote from The Home Service Club, 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 | $6,092 |
| Heating | $4,061 |
| Electrical | $609 |
| Toilets | $508 |
| Washer/Dryer | $812 |
| Plumbing | $609 |
| Oven | $1,624 |
| Fridge | $609 |
A home warranty is a protection policy that assists Garden City homeowners lower the costs of appliance and system repairs. The plans offer coverage to repair or swap out appliances and systems that malfunction due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty company 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 plan gives homeowners a sense of security and can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties protect many household systems and appliances. Common covered appliances are washers, dryers, refrigerators, dishwashers, microwaves, garbage disposals, and more. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty plans offer extra coverage for central vacuums, roof leaks, septic systems, and even locksmiths. Most home warranty plans require Garden City homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies usually only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to know before signing a contract, such as:
There are several important considerations when selecting a home warranty provider:
Home warranty plans differ significantly in terms of coverage. Most plans provide protection for AC, electrical, plumbing, heating, and appliances. More inclusive options also offer protection for other items such as pools, spas, well pumps, and roof leaks. Look for companies with varied coverage options, including upgraded plans. This helps you customize your plan 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 per-claim charges can quickly add up, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty company's reputation provides insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Positive ratings and reviews indicate a provider known for stellar service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Reach out to potential businesses to learn the number of repair technicians they have in Garden City and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks raise the likelihood of getting qualified contractors to quickly service your home.
Some home warranty companies include bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These add value beyond just repair coverage. Extra bonuses maximize the usefulness of your home warranty.
Garden City’s relatively mild winters and hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, preventing you from spending unexpected money out of pocket.
A home warranty also can also save 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 send a trusted professional to your door whenever you need them. A home warranty can also give value in other ways. For instance, some plans can be transferred between owners during a home sale.
One major drawback of home warranties is not every home system and appliance you care about may be covered. It’s important to weigh the different plans and sign up for one that covers all the appliances, systems, and add-ons you need.
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 need repairs or replacements due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty plan costs, on average, about $300 to $600 a year in Garden City. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty policies cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different plan that protects the entire home from natural disasters, which might not be too much of a concern in Garden City. It doesn't cover a typical appliance or system breakage.
Homebuyers, landlords, real estate agents, homeowners, and home sellers are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in Garden City include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, including your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the items listed in the plan.
Home warranty plans generally offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month options as well.
Typically, the person who owns the home pays for the home warranty. In some cases, though, the one selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Garden City is $554,390, a home warranty can be an added asset when buying a home.
