Written By David Cusick
Last Updated February 2024
Owning a house can have lots of perks, but it can also come with some downsides like maintenance. The older your house’s appliances and systems are, the more you may want to consider getting a home warranty. A home warranty can help protect homeowners 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 challenging, as there are lots of companies to choose from. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Gallup 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
In Gallup, Liberty Home Guard is the most trustworthy home warranty. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage. When you purchase 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $75.
To receive 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
In Gallup, Choice Home Warranty is the best overall home warranty. The 2 plans from Choice are comprehensive and offer both system and appliance coverage. When you purchase 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $85.
To receive 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
In Gallup, Select Home Warranty is the most cost-effective home warranty. The 3 plans from Select are comprehensive and offer both system and appliance coverage. When you purchase 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $60.
To receive 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
In Gallup, American Home Shield is the most customizable home warranty. The 3 plans from AHS are comprehensive and offer both system and appliance coverage. When you purchase 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To receive 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
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 Gallup, First American Home Warranty is the best home warranty for appliance coverage. The 2 plans from First American are comprehensive and offer both system and appliance coverage. When you purchase 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For a more detailed breakdown, read our 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 Gallup, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage. When you purchase 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
To receive 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
In Gallup, The Home Service Club is the best home warranty with the quickest service. The 2 plans from HSC are comprehensive and offer both system and appliance coverage. When you purchase 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
To receive 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 | $5,673 |
Heating | $3,782 |
Electrical | $567 |
Toilets | $473 |
Washer/Dryer | $756 |
Plumbing | $567 |
Oven | $1,513 |
Fridge | $567 |
A home warranty is a protection policy that assists Gallup homeowners in lowering the expenses of appliance and system repairs. The plans offer financial coverage to replace or fix appliances and systems that malfunction due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty policy gives homeowners peace of mind since it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties protect your household systems and appliances. Typical covered appliances are washers, dishwashers, dryers, microwaves, garbage disposals, refrigerators, and others. Protected systems include electrical, heating, air conditioning, and plumbing. Many home warranty plans offer add-on coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Gallup homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like natural disasters, pre-existing conditions, cosmetic issues, or damage caused by improperly using a system or appliance. You need to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by your policy.
Here are some essential home warranty terms to know before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty policies vary widely in what they include. Most plans provide protection for electrical, heating, plumbing, AC, and appliances. More comprehensive options also offer protection for other items such as roof leaks, spas, well pumps, and pools. Look for a company that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out companies advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Check review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about providers. Positive ratings and feedback suggest a company known for quality service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. More extensive networks increase the likelihood of getting qualified contractors to your home promptly. Contact possible providers to find out how many repair professionals they have in Gallup to understand how long repairs could take in an urgent situation.
Some home warranty companies may include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These extras can provide extra value beyond just repair coverage. Added bonuses let you enhance your home and get the most from your warranty policy.
Temperatures in Gallup can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a good bit of use. As a homeowner in Gallup, one of the benefits of having a home warranty is 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 money on repairs and replacements, it saves you time as well. Instead of needing to vet service technicians by yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Plus, having a home warranty can help make your house more appealing to potential homebuyers if you ever decide to sell in the future. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you’ve been receiving.
One major drawback of home warranties is not every home system and appliance you care about may be covered. It’s important to research the different plans and get one that covers all the appliances, systems, and add-ons you need.
Another pain point of home warranties is that they don’t cover items that haven’t been properly maintained. This can lead to your claims being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Gallup can cost between $30 and $60 a month. Higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some providers will also lower your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan protects against normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of something such as a fire or natural disaster. Under homeowners insurance, you won't be able to file a claim should you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Gallup.
Homebuyers, home sellers, real estate agents, homeowners, and landlords can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
A home warranty can cover your home’s 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 useful if you're concerned about one more than the other.
Home warranty plans generally last a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Typically, the homeowner is the one who is responsible for paying 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 Gallup, where the median value of a home is $195,477, having the seller pay for the home warranty can save you some money on your new home.