Expert Advice On Improving Your Home

6 Best Home Warranty Companies in Gardnerville Ranchos, NV

Written By David Cusick

Last Updated May 2024

Although homeownership in Gardnerville Ranchos has a lot of advantages — such as being surrounded by nature — there are also downsides. One major hassle many homeowners have to deal with eventually is updating or repairing their home systems and appliances. A home warranty policy can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important appliances and systems.

The home warranty market has a variety of providers — all with different offerings — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Gardnerville Ranchos.

Our Recommended Providers

Top Pick
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

The 6 Best Home Warranty Companies in Gardnerville Ranchos

Liberty Home Guard

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 Gardnerville Ranchos, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been on the market for more than 6 years, making it a respected company in the industry. 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. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.

Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.

To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our Liberty Home Guard Review.

Appliance Guard

Systems Guard

Total Home Guard

Service fee: $75.00Monthly cost: $69.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00Monthly cost: $74.99
Items covered: Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00Monthly cost: $79.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer , Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser

Choice Home Warranty

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 Gardnerville Ranchos, Choice Home Warranty offers the best overall home warranty. Choice has been on the market for more than 15 years, making it a respected company in the industry. 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. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.

Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.

To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our Choice Home Warranty Review.

Basic Plan

Total Plan

Service fee: $85.00Monthly cost: $45.00
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer
Service fee: $85.00Monthly cost: $53.33
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater , AC , Washer , Dryer , Refrigerator Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer

American Home Shield

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 Gardnerville Ranchos, American Home Shield offers the most customizable home warranty. AHS has been on the market for more than 26 years, making it a respected company in the industry. 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. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.

American Home Shield has 3 plans that offer a combination of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500 at the maximum.

To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our American Home Shield Review.

ShieldSilver

ShieldGold

ShieldPlatinum

Service fee: $75.00 - $125.00Monthly cost: $29.27 - $44.27
Items covered: Air Conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Locksmith , Plumbing , Plumbing stoppages , Toilet , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00Monthly cost: $39.27 - $54.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Washer , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00Monthly cost: $59.27 - $74.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Locksmith , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Roof leaks , Toilet , Trash compactor , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump

First American Home Warranty

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 Gardnerville Ranchos, First American Home Warranty offers the best home warranty for appliance coverage. First American has been on the market for more than 39 years, making it a respected company in the industry. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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 home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.

First American Home Warranty has 2 plans that offer a combination of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500 at the maximum.

To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. To read more, visit our First American Home Warranty Review.

Basic Plan

Premier Plan

Service fee: $85.00Monthly cost: $38.00
Items covered: Attic fans , Ceiling fans , Cooktop exhaust fan , Dishwasher , Disposal , Dryer , Microwave , Oven , Refrigerator , Trash compactor , Washer , Water dispenser Add-on items: Pool , Spa , Air conditioner , Septic tank , Septic , Well pump , First-class upgrade
Service fee: $85.00Monthly cost: $48.50
Items covered: Attic fans , Ceiling fans , Cooktop exhaust fan , Dishwasher , Disposal , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing system , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Vacuum , Water heater , Washer , Water dispenser Add-on items: Pool , Spa , Air conditioner , Septic tank , Septic , Well pump , First-class upgrade

Cinch Home Services

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 Gardnerville Ranchos, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been on the market for more than 44 years, making it a respected company in the industry. 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. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.

Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000 at the maximum.

To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our Cinch Home Services Review.

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Service fee: $75.00 - $150.00Monthly cost: $34.99 - $50.99
Items covered: Cooktop exhaust fan , Dishwasher , Dryer , Food center , Free-standing ice maker , Microwave , Oven , Refrigerator , Refrigerator ice maker , Trash compactor , Washer Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00Monthly cost: $39.99 - $57.99
Items covered: Air conditioner , Smoke alarm , Attic fans , Bath exhaust fans , Ceiling fans , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Plumbing , Plumbing stoppages , Septic tank pumping , Spa , Sump pump , Toilet , Vacuum , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00Monthly cost: $49.99 - $67.99
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Food center , Free-standing ice maker , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Refrigerator ice maker , Septic tank pumping , Spa , Sump pump , Toilet , Trash compactor , Vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump

The Home Service Club

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 Gardnerville Ranchos, The Home Service Club offers the best home warranty with the quickest service. HSC has been on the market for more than 15 years, making it a respected company in the industry. 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. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.

The Home Service Club has 2 plans that offer a combination of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000 at the maximum.

To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our The Home Service Club Review.

Standard Coverage Plan

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00Monthly cost: $50.40
Items covered: Air conditioner , Ceiling fan , Dishwasher , Garbage disposal , Dryer , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Plumbing , Refrigerator , Trash compactor , Central vacuum , Washer , Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Service fee: $60.00 - $95.00Monthly cost: $62.90
Items covered: Air conditioner , Alarm wiring , Attic fans , Ceiling fan , Dishwasher , Garbage disposal , Doorbell , Dryer , Ductwork , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Pest control , Phone , Plumbing , Plumbing stoppages , Refrigerator , Sump pump , Toilet , Trash compactor , Central vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Today's Homeowner Ranking Methodology

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:

  • Company Experience
  • Real User Reviews
  • Company Reputation
  • Accreditations and Licenses
  • Service Area
  • Customer Service
Have questions about our methodology or company ratings? Reach out to FindAPro@TodaysHomeowner.com.

Cost of Common Home Repairs in Gardnerville Ranchos

Home ApplianceRepair Cost
Air Conditioner$5,990
Heating$3,994
Electrical$599
Toilets$499
Washer/Dryer$799
Plumbing$599
Oven$1,597
Fridge$599

How Does a Home Warranty Work?

A home warranty is a protection plan that helps lower expenses for Gardnerville Ranchos homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace appliances and systems that break due to normal wear and tear.

Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds 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 peace of mind 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 appliances and fixtures in good condition may not need a home warranty.

What Does a Home Warranty Cover?

Home warranties cover your household systems and appliances. Covered appliances typically include washers, microwaves, dishwashers, dryers, refrigerators, garbage disposals, and more. Covered systems include air conditioning, plumbing, heating, and electrical. Many home warranty providers also offer additional coverage for central vacuums, septic systems, locksmiths, and roof leaks. It's important for Gardnerville Ranchos homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.

Key Home Warranty Terms to Know

Here are some key home warranty terms to know before signing a contract:

  • Deductible: The amount you pay toward a covered repair before the warranty covers the rest. Some plans have per-claim or yearly deductibles.
  • Coverage limits: How much money your warranty provider will pay for specific repairs or replacements. Check limits on repairs for things like air conditioning units, roof leaks, and appliances.
  • Trade call fee: An additional fee that some companies charge for appliance-related claims.
  • Endorsements: Optional add-ons that expand coverage for additional systems like pools, well pumps, septic, and more. Endorsements typically cost an additional fee.
  • Contract rate: The rate that your home warranty provider has pre-negotiated with its contractors. Normally, this rate is lower than what you'd pay retail.
  • Claim approval: The process providers use to determine whether a requested repair or replacement is covered under a home warranty plan.
  • Service fee: The out-of-pocket cost you pay per claim for access to a contractor and repair coverage.
Keeping these important details in mind will help you understand costs and select a home warranty that's tailored to protect your most important home systems. Be sure to discuss specifics of coverage with potential companies during the quote process to avoid unexpected fees.

Key Factors in Choosing a Home Warranty Company

There are several important considerations when choosing a home warranty provider:

Coverage Options

Home warranty coverage varies, although most plans provide coverage for AC, electrical, plumbing, heating, and appliances. More inclusive plans may also cover additional items such as well pumps, spas, pools, and roof leaks. Look for companies with an array of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.

Service Fees

With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per service call made. The per-request costs can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.

Reputation

A home warranty provider's reputation provides insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Use review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a provider known for great service.

Contractor Network

Home warranty companies keep networks of local contractors to handle repairs in your area. Contact potential providers to ask how many repair technicians they have in Gardnerville Ranchos and get an idea for how fast your repairs could take place in an emergency situation. More extensive networks increase the chances of getting qualified contractors to quickly service your home.

Added Benefits

Some home warranty companies include bonuses such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These perks add value beyond repair coverage. Extra bonuses maximize the usefulness of the home warranty.

Is a Home Warranty Worth it in Gardnerville Ranchos?


Benefits of a Home Warranty

Since temperatures in Gardnerville Ranchos can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances stops working unexpectedly.

Additionally, having a home warranty can save you some time by eliminating the need to research contractors — most companies will send a trusted professional right to your door to complete the repair or replacement. Another added benefit of having home warranty coverage is that it can increase 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 provider you purchased your home warranty through.

Downsides of a Home Warranty

One of the major drawbacks of home warranties is not every home system and appliance may be covered. It’s important to compare the different plans and choose one that covers all the appliances, systems, and add-ons you need.

Another consideration is that home warranties typically only cover damage from normal wear and tear. They commonly won’t cover systems or appliances that have stopped working due to animal infestations, natural disasters, improper maintenance, etc.

Our Recommended Providers

Top Pick
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

Frequently Asked Questions About Home Warranty in Gardnerville Ranchos, NV

A home warranty policy costs, on average, about $300 to $600 a year in Gardnerville Ranchos. Our top-rated home warranty companies' 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 often cheaper to pay annually rather than monthly.

Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of plan that protects the entire home from natural disasters, which might not be too much of a concern in Gardnerville Ranchos. It doesn't cover a normal appliance or system damage.

Homebuyers, real estate agents, homeowners, landlords, and home sellers 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 plan will cover your appliances, systems, or both. Combination plans are beneficial 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 policy offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.

In general, the homeowner is the one who is responsible for paying 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. In Gardnerville Ranchos, where the median home value is $838,092, having the seller pay for the home warranty can save you some money on your new home.

Other Gardnerville Ranchos, NV Home Services