Written By David Cusick
Last Updated February 2024
There are a lot of benefits of owning a home, but as your Farmington home ages, you may need to factor in the cost of updating your appliances and systems. A home warranty in Farmington can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Finding the best home warranty on the market can be time-consuming, as there are dozens of companies to choose from. That’s why our team at Today's Homeowner did the research and put together 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 for Farmington residents. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 for each covered system or appliance.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information, 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 for Farmington residents. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered system or appliance.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, 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 for Farmington residents. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 for each covered system or appliance.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information, 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 for Farmington residents. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 for each covered system or appliance.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, 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 for Farmington residents. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered system or appliance.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, 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 for Farmington residents. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 for each covered system or appliance.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, 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 | $6,470 |
Heating | $4,313 |
Electrical | $647 |
Toilets | $539 |
Washer/Dryer | $863 |
Plumbing | $647 |
Oven | $1,725 |
Fridge | $647 |
A home warranty is a protection policy that helps Farmington homeowners reduce the expenses of appliance and system repairs. The plans offer financial coverage to fix 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 repair 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 peace of mind to homeowners, as it helps prevent costly emergency repairs. Home warranties are the most useful for older construction homes with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are washers, dryers, refrigerators, microwaves, dishwashers, garbage disposals, and more. Covered systems are usually electrical, heating, plumbing, and air conditioning. Many home warranty companies provide add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Farmington homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Here are some essential home warranty words to know before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans provide coverage for heating, electrical, plumbing, AC, and appliances. More extensive plans may also provide protection for other things such as well pumps, spas, roof leaks, and pools. Look for providers with flexible coverage choices, including upgraded plans. This allows you to customize your plan to your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a provider with lower service fees to maximize savings. Some providers also do away with deductibles when customers have a claim-free period.
A home warranty company's track record gives insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) 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. Contact potential companies to learn the number of repair professionals they have in Farmington and get an idea of how fast your repairs could be handled in an emergency. Larger networks increase the chance of getting qualified contractors to promptly service your home.
Certain home warranty companies include extras such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These can offer extra value beyond repair coverage. Extra perks help improve your home and maximize your home warranty.
Since temperatures in Farmington can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Having a home warranty can help homeowners save money if one of these systems or appliances breaks unexpectedly.
A home warranty also saves you time and energy. Instead of spending hours researching and choosing a repair person 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. Another added benefit of having a home warranty plan is that it can raise your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
As for the negatives of home warranties, system and appliance coverage varies by provider, so it’s important to understand what each policy covers and excludes in the contract.
Plus, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Farmington can cost anywhere from $30 to $60 a month. The higher-priced plans tend to have a lower service fee, broader coverage, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some providers will also lower your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects an entire home from natural disasters, which can sometimes be a concern in Farmington. It doesn't cover a normal appliance or system breakage.
Homebuyers, real estate agents, home sellers, landlords, and homeowners can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
A home warranty policy can cover your appliances, systems, or both. Combination plans are beneficial 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 generally last a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
In general, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees. In Farmington, where the median home value is $380,962, having the seller pay for the home warranty can be a good asset for your new home.