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Last Updated: February 25, 2025
As much as you may love owning a home in Las Cruces, there's always that concern about whether your appliances and systems are going to hold up during the next few years. A home warranty in Las Cruces can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
The home warranty market is saturated with many providers — all with different price points — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Las Cruces.
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 Las Cruces, Liberty Home Guard is the most trustworthy home warranty. Liberty has 3 simple plans, making the selection process quick and easy. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Las Cruces homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Las Cruces area.
For a more detailed breakdown, read our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
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 Las Cruces, Choice Home Warranty is the best overall home warranty. Choice has 2 simple plans, making the selection process quick and easy. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Las Cruces homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Las Cruces area.
For a more detailed breakdown, read our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
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 Las Cruces, Select Home Warranty is the most cost-effective home warranty. Select has 3 simple plans, making the selection process quick and easy. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Las Cruces homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Las Cruces area.
For a more detailed breakdown, read our review of Select Home Warranty. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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 Las Cruces, American Home Shield is the most customizable home warranty. AHS has 3 simple plans, making the selection process quick and easy. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Las Cruces homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Las Cruces area.
For a more detailed breakdown, read our review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 Las Cruces, First American Home Warranty is the best home warranty for appliance coverage. First American has 2 simple plans, making the selection process quick and easy. First American offers very affordable and comprehensive appliance coverage. Plus, 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.
First American Home Warranty offers 2 plans for Las Cruces homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the Las Cruces area.
For a more detailed breakdown, read our review of First American Home Warranty. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
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 Las Cruces, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process quick and easy. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Las Cruces homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Las Cruces area.
For a more detailed breakdown, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
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 Las Cruces, The Home Service Club is the best home warranty with the quickest service. HSC has 2 simple plans, making the selection process quick and easy. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, 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 Service Club offers 2 plans for Las Cruces homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Las Cruces area.
For a more detailed breakdown, read our review of The Home Service Club. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
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 | $5,914 |
| Heating | $3,942 |
| Electrical | $591 |
| Toilets | $493 |
| Washer/Dryer | $788 |
| Plumbing | $591 |
| Oven | $1,577 |
| Fridge | $591 |
A home warranty is a protection plan that helps reduce the high costs for Las Cruces homeowners needing appliance and system repairs. These plans provide coverage to fix or swap out 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 cost of the repair or replacement goes over the item's coverage limit. A home warranty gives security for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who live in older homes or ones with outdated systems. More modern builds with functional fixtures probably don’t require a home warranty.
Home warranties help protect both your home systems and appliances. Common appliances covered under a home warranty include washers, dryers, refrigerators, garbage disposals, microwaves, dishwashers, and others. Covered systems include air conditioning, electrical, heating, and plumbing. Many home warranty plans offer additional add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks. Las Cruces homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, 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 misuse of a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to know before signing, such as:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies, although most plans provide coverage for electrical, heating, AC, plumbing, and appliances. More inclusive plans may also include extra things such as pools, well pumps, roof leaks, and spas. Look for companies with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with lower service fees to maximize savings. Some companies also offer disappearing deductibles after periods where a customer files no claims.
A home warranty company's reputation can give you insight into things such as repair timeliness, approval rates, contractor quality, and customer satisfaction. Browse review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty companies keep networks of professionals to handle covered repairs. More extensive networks improve the probability of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Las Cruces to get a sense of how soon your repairs could be handled in an emergency.
Certain home warranty providers include perks such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These provide extra value beyond repair coverage. Added perks can enhance your home and help maximize your home warranty.
Home warranties are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Las Cruces hitting an average high of 73℃F, you may find that certain appliances, like your A.C., get a lot of use. A home warranty can significantly decrease out-of-pocket expenses should your HVAC system break down.
Along with saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the headache of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may have. In addition, though home warranty companies vary, some providers will allow you to transfer your warranty if you sell your home. This can make your home more attractive to potential homebuyers and help your home sell faster.
As for the negatives of home warranties, coverage varies by company, so it’s important to review what each policy covers and excludes in the contract.
In addition, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty plan costs, on average, about $300 to $600 a year in Las Cruces. Our high-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 opting for a higher service fee. In addition, it's typically less expensive 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 home 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 can sometimes be a concern in Las Cruces. It doesn't cover a normal appliance or system breakage.
First-time homebuyers, homeowners, home sellers, landlords, and real estate agents are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
A home warranty plan can cover your home’s systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
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.
Typically, the one who owns the home pays for the home warranty. In some cases, though, the home seller may buy a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Las Cruces is $282,928, a home warranty can be an added asset when buying a home.
