Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Farmington offers homeowners some great housing options. However, unexpected repair and replacement costs on your home’s appliances and systems can get quite costly. A home warranty policy can help protect you by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be time-consuming, as there are so many 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 Farmington for you.
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 offers the most trustworthy home warranty in Farmington. Liberty has over 6 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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 has 3 simple plans, making the selection process quick and easy.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read our review of Liberty Home Guard.
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 offers the best overall home warranty in Farmington. Choice has over 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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 has 2 simple plans, making the selection process quick and easy.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For a more detailed breakdown, read our review of Choice Home Warranty.
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 in Farmington. Select has over 11 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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 has 3 simple plans, making the selection process quick and easy.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For a more detailed breakdown, read our review of Select Home Warranty.
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 Farmington. AHS has over 26 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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. AHS has 3 simple plans, making the selection process quick and easy.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
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 offers the home warranty with the best workmanship guarantee in Farmington. Cinch has over 44 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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 has 3 simple plans, making the selection process quick and easy.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our review of Cinch Home Services.
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 offers the best home warranty with the quickest service in Farmington. HSC has over 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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. HSC has 2 simple plans, making the selection process quick and easy.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For a more detailed breakdown, read our review of The Home Service Club.
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 | $5,667 |
| Heating | $3,778 |
| Electrical | $567 |
| Toilets | $472 |
| Washer/Dryer | $756 |
| Plumbing | $567 |
| Oven | $1,511 |
| Fridge | $567 |
A home warranty is a protection policy that helps Farmington homeowners cut the costs of appliance and system repairs. The plans provide coverage to repair or replace 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 company then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is especially helpful for buyers of older houses or houses with systems near the end of their life span. However, people with newer homes and functioning appliances may not need a home warranty.
Home warranties cover many household systems and appliances. Covered appliances typically include dryers, microwaves, washers, refrigerators, garbage disposals, dishwashers, and more. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranty companies also offer add-on coverage for central vacuums, locksmiths, roof leaks, and septic systems. Most home warranty plans require Farmington homeowners to refrain from making claims for 30 days before the plan will cover repairs. Moreover, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
There are several home warranty terms to understand before signing an agreement, including:
There are several important factors to consider when selecting a home warranty provider:
Home warranty plans vary widely in what they include. Most plans provide protection for electrical, AC, plumbing, heating, and appliances. More comprehensive options also include coverage for other items such as well pumps, roof leaks, pools, and spas. Look for providers with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your home’s needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for companies advertising lower service fees to optimize savings on each repair claim. Certain companies may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation gives insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Favorable ratings and reviews indicate a provider known for stellar service.
Home warranty providers have networks of contractors to handle covered repairs. Wider networks raise the likelihood of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Farmington to get a sense of how soon your repairs could happen in an emergency.
Certain home warranty providers offer extras such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These can provide extra value beyond repair coverage. Extra perks can enhance your home and maximize your home warranty.
Home warranty policies are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Farmington reaching an average high of 47℃F, you may find that certain appliances, such as your air conditioning system, get a lot of use. A home warranty can remarkably decrease out-of-pocket costs should your HVAC system stop working.
A home warranty also can also save you time and energy. Instead of spending hours finding and selecting a technician to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. In addition, though home warranty companies vary, some providers will allow you to transfer your warranty if you sell your home. This can make your house more attractive to potential homebuyers and maybe even help your home sell faster.
There are also some drawbacks to buying a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another thing to bear in mind is that some providers don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty provider for clarification about this if you aren’t sure or if this is a problem for you.
A home warranty plan costs, on average, about $300 to $600 a year in Farmington. 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 typically cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects your home in case of a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim if you need a new washing machine or dishwasher, unless the damage is a result of a natural disaster, which isn't that common in Farmington.
First-time homebuyers, real estate agents, homeowners, home sellers, and landlords can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty can cover your home’s systems, appliances, or both. Combination plans are great if you'd like 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 plan offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Usually, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Farmington, where the median value of a home is $257,982, having the seller pay for the home warranty can save you some money on your new home.
