Written By David Cusick
Last Updated February 2024
Although homeownership in Farmington has many advantages — such as being surrounded by nature — there are also not so glamorous sides. One major issue many homeowners have to deal with eventually is updating or repairing their home systems and appliances. A home warranty can help protect homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
Choosing the best home warranty on the market can be quite a challenge because of the numerous options available. If you're frustrated with trying to compare them all, keep reading for our guide on the top home warranty providers in Farmington.
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 Farmington, Liberty Home Guard offers the most trustworthy home warranty. When you buy a home warranty 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. The 3 plans from Liberty are easily comprehensible and have a mix of both system and appliance coverage.
Liberty Home Guard offers 3 plans for Farmington 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 about $3,000 per covered system or appliance.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our Liberty Home Guard full review to learn more.
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 Farmington, Choice Home Warranty offers the best overall home warranty. When you buy a home warranty 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. The 2 plans from Choice are easily comprehensible and have a mix of both system and appliance coverage.
Choice Home Warranty offers 2 plans for Farmington 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 about $3,000 per covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our Choice Home Warranty full review to learn more.
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 Farmington, Select Home Warranty offers the most cost-effective home warranty. When you buy a home warranty 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. The 3 plans from Select are easily comprehensible and have a mix of both system and appliance coverage.
Select Home Warranty offers 3 plans for Farmington 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 about $2,000 per covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our Select Home Warranty full review to learn more.
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 Farmington, American Home Shield offers the most customizable home warranty. When you buy a home warranty 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. The 3 plans from AHS are easily comprehensible and have a mix of both system and appliance coverage.
American Home Shield offers 3 plans for Farmington 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 about $2,500 per covered system or appliance.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our American Home Shield full review to learn more.
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 Farmington, First American Home Warranty offers the best home warranty for appliance coverage. When you buy a home warranty 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. The 2 plans from First American are easily comprehensible and have a mix of both system and appliance coverage.
First American Home Warranty offers 2 plans for Farmington 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 about $1,500 per covered system or appliance.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our First American Home Warranty full review to learn more.
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 Farmington, Cinch Home Services offers the home warranty with the best workmanship guarantee. When you buy a home warranty 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. The 3 plans from Cinch are easily comprehensible and have a mix of both system and appliance coverage.
Cinch Home Services offers 3 plans for Farmington 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 about $1,000-$2,000 per covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our Cinch Home Services full review to learn more.
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 Farmington, The Home Service Club offers the best home warranty with the quickest service. When you buy a home warranty 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 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage.
The Home Service Club offers 2 plans for Farmington 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 about $2,000 per covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our The Home Service Club full review to learn more.
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 | $6,398 |
Heating | $4,265 |
Electrical | $640 |
Toilets | $533 |
Washer/Dryer | $853 |
Plumbing | $640 |
Oven | $1,706 |
Fridge | $640 |
A home warranty is a protection plan that helps lower expenses for Farmington homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty policy gives homeowners a sense of security because it 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 appliances and fixtures in good condition may not need a home warranty.
Home warranties cover many household systems and appliances. Warranties usually cover appliances such as dryers, refrigerators, dishwashers, washers, garbage disposals, microwaves, and more. Covered systems include plumbing, air conditioning, heating, and electrical. Many home warranty companies also provide add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Farmington homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are multiple home warranty terms to learn before signing an agreement, including:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans provide coverage for electrical, AC, plumbing, heating, and appliances. More comprehensive options may also cover other things such as well pumps, pools, spas, and roof leaks. Look for a company that offers an extensive selection of coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a provider with lower service fees to maximize savings on every claim. Some companies also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Check review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about companies. Positive ratings and feedback suggest a company known for quality service.
Home warranty providers have networks of local contractors to handle repairs in your area. Contact potential providers to ask how many repair contractors they have in Farmington and get an idea for how fast your repairs might happen in an emergency situation. Larger networks improve the probability of getting qualified contractors to swiftly service your home.
Some home warranty providers include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These can offer extra value beyond just repair coverage. Extra bonuses help you enhance your home and get the most from your home warranty.
Temperatures in Farmington can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Farmington, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of having to vet service technicians yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. A home warranty can also provide value in other ways. For example, some policies can be transferred between owners when you sell your home.
As for the drawbacks of home warranties, system and appliance coverage varies by company, so it’s important to review what each plan covers and excludes in the contract.
Another downside is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty policy costs, on average, around $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 reduce your monthly bill with some companies by opting for a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover issues with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger insurance that protects your entire home from natural disasters, which can sometimes be a concern in Farmington. It doesn't cover a typical appliance or system damage.
A home warranty plan can help homeowners, real estate agents, home sellers, homebuyers, and investors. It can provide peace of mind and savings to anyone involved with homeownership.
A home warranty plan will 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're concerned about one more than the other.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Usually, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who will pay the service fees. In Farmington, where the median value of a home is $296,800, having the seller pay for the home warranty can save you some money on your new home.