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Last Updated: February 25, 2025
Bernalillo offers homeowners some great living options. However, unanticipated repair and replacement costs on your home’s appliances and systems can get quite pricey. A home warranty is a way to protect your bank account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
The home warranty market has many providers — all with different coverage — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Bernalillo.
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 Bernalillo, Liberty Home Guard is the most trustworthy home warranty. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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 Home Guard has 3 plans that offer a combination of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For more information on this provider, read our comprehensive 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
In Bernalillo, Choice Home Warranty is the best overall home warranty. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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 Home Warranty has 2 plans that offer a combination of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For more information on this provider, read our comprehensive 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
In Bernalillo, Select Home Warranty is the most cost-effective home warranty. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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 Home Warranty has 3 plans that offer a combination of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information on this provider, read our comprehensive 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
In Bernalillo, American Home Shield is the most customizable home warranty. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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.
American Home Shield has 3 plans that offer a combination of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. 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 give them a call at 888-365-2839. For more information on this provider, read our comprehensive review of American Home Shield.
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 Bernalillo, First American Home Warranty is the best home warranty for appliance coverage. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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.
First American Home Warranty has 2 plans that offer a combination of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For more information on this provider, read our comprehensive review of First American Home Warranty.
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 Bernalillo, Cinch Home Services is the home warranty with the best workmanship guarantee. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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 Home Services has 3 plans that offer a combination of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. 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 give them a call at 877-589-0505. For more information on this provider, read our comprehensive 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
In Bernalillo, The Home Service Club is the best home warranty with the quickest service. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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 Home Service Club has 2 plans that offer a combination of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. 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 give them a call at 800-750-9443. For more information on this provider, read our comprehensive 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 | $6,393 |
| Heating | $4,262 |
| Electrical | $639 |
| Toilets | $533 |
| Washer/Dryer | $852 |
| Plumbing | $639 |
| Oven | $1,705 |
| Fridge | $639 |
A home warranty is a protection policy that helps Bernalillo homeowners cut the costs of appliance and system repairs. The plans offer coverage to repair or replace 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 provider 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 provides security for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who own older homes or ones with outdated systems. Newer builds with working fixtures probably don’t require a home warranty.
Home warranties cover many household systems and appliances. Common covered appliances are dishwashers, refrigerators, dryers, microwaves, washers, garbage disposals, and others. Protected systems include heating, plumbing, electrical, and air conditioning. Many home warranty plans offer add-on coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Bernalillo 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 cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should know key terms like:
There are several key factors to consider when selecting a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans cover electrical, plumbing, AC, heating, and appliances. More robust plans also extend protection to other items such as well pumps, pools, spas, and roof leaks. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your home’s needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for providers advertising more affordable 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 provider's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and reviews indicate that a company is known for top-tier service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. Larger networks improve the likelihood of getting qualified contractors to your home quickly. Reach out to possible providers to find out how many contractors they have in Bernalillo to understand how long repairs could take in an urgent situation.
Some home warranty plans include extras such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These perks add value beyond repair coverage. Added bonuses maximize the usefulness of the home warranty.
Home warranties are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Bernalillo hitting an average high of 61℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can remarkably decrease out-of-pocket costs should your HVAC system stop working.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of vetting service technicians on your own, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Another benefit of having a home warranty is while selling your home, you can most likely transfer your home warranty plan to the new owners. This can make your home more attractive to potential homebuyers and may help your house sell faster.
Home warranties also have some drawbacks. While it can be convenient that the home warranty sends out a repair person who does the repair for you, some homeowners may not like this, and they would prefer to choose a contractor themselves. If that’s important to you, some home warranty providers allow you to select a contractor.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They most likely won’t cover systems or appliances that need repairs or replacements due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty plan costs, on average, around $300 to $600 a year in Bernalillo. Our top-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 choosing a higher service fee. In addition, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover problems 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 insurance that protects the entire home from natural disasters, which can sometimes be a concern in Bernalillo. It doesn't cover a normal appliance or system breakage.
A home warranty policy can help homeowners, homebuyers, home sellers, investors, and real estate agents. It can provide peace of mind to anyone involved with homeownership.
The different types of home warranties in Bernalillo include plans that cover either appliances or systems as well as combination plans. A combination plan will cover your systems and appliances, such as your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the specific items mentioned in the policy.
Home warranty plans usually last a year. Many providers let you renew your plan each year, and some offer month-to-month plans as well.
In general, 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 transferred to the new homeowner, who will pay the service fees when using the policy. In Bernalillo, where the median value of a home is $316,534, having the seller pay for the home warranty can be a good asset for your new home.
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