Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
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 policies 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.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically around $3,000 at the maximum.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our thorough 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 policies 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.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000 at the maximum.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our thorough 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 policies 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.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000 at the maximum.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our thorough 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 policies 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500 at the maximum.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our thorough 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 policies that First American offers include differing levels of system and appliance coverage, as well as add-on options. 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500 at the maximum.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit our thorough 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 policies 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.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000 at the maximum.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our thorough 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 policies 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.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000 at the maximum.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our thorough 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 lower the high costs of household repairs. These plans offer financial protection to fix or swap out appliances and systems that stop working from 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 fix 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 plan gives homeowners a sense of security 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 modern appliances and fixtures may not require a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include dishwashers, washers, garbage disposals, refrigerators, dryers, microwaves, and more. Included systems are usually heating, air conditioning, plumbing, and electrical. Many home warranty companies provide add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Gallup homeowners should know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as natural disasters, cosmetic issues, pre-existing conditions, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by your policy.
There are a number of home warranty terms to learn before signing an agreement, including:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans provide coverage for plumbing, heating, AC, electrical, and appliances. More comprehensive plans also offer coverage on other items such as spas, well pumps, pools, and roof leaks. Look for providers with a diverse range of coverage options, including upgraded plans. This helps you customize your plan to your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Read through review sites like the Better Business Bureau (BBB), TrustPilot, or Google Reviews to learn more about companies. Good reviews and ratings suggest a company known for quality service.
Home warranty companies maintain networks of local professionals to handle repairs in your area. Contact potential providers to ask how many repair contractors they have in Gallup and get an idea for how fast your repairs might happen in an emergency situation. More extensive networks raise the chances of getting qualified contractors to promptly service your home.
Some home warranty providers include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These extras can provide extra value beyond just repair coverage. Added bonuses allow you to enhance your home and get the most from your warranty policy.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Gallup hitting an average high of 61℃F, you may find that certain appliances, like your A.C., get a lot of use. A home warranty can significantly lower out-of-pocket expenses should your HVAC system break down.
Not only can a home warranty provide some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. Plus, though it varies by company, some providers will allow you to transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and maybe even help your home sell faster.
One main drawback of a home warranty is not every home system and appliance may be covered. It’s important to research the different policies and select one that covers all the appliances, systems, and add-ons you need.
Another stipulation is that home warranties usually only cover malfunctions 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 in Gallup 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. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans 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 kind of insurance that protects the entire home from natural disasters, which can sometimes be a concern in Gallup. It doesn't cover a normal appliance or system damage.
A home warranty plan can help homeowners, home sellers, investors, real estate agents, and homebuyers. It can provide peace of mind to anyone involved in homeownership.
A home warranty plan can cover your appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Home warranty plans usually offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Usually, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. 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.
