Written By David Cusick
Last Updated February 2024
Owning a home in Rio Rancho has many great benefits, but there are some negatives. The weather throughout the four seasons can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty plan can help protect you 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 so many 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 Rio Rancho 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
Liberty Home Guard offers the most trustworthy home warranty for Rio Rancho residents. Liberty has more than 6 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a mix of system and appliance coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Rio Rancho area.
Read more by visiting our Liberty Home Guard full review. To get a free quote from Liberty Home Guard, 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
Choice Home Warranty offers the best overall home warranty for Rio Rancho residents. Choice has more than 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a mix of system and appliance coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Rio Rancho area.
Read more by visiting our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, 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
Select Home Warranty offers the most cost-effective home warranty for Rio Rancho residents. Select has more than 11 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it 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 provide a mix of system and appliance coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Rio Rancho area.
Read more by visiting our Select Home Warranty full review. To get a free quote from Select Home Warranty, 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
American Home Shield offers the most customizable home warranty for Rio Rancho residents. AHS has more than 26 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of system and appliance coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Rio Rancho area.
Read more by visiting our American Home Shield full review. To get a free quote from American Home Shield, 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
First American Home Warranty offers the best home warranty for appliance coverage for Rio Rancho residents. First American has more than 39 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. Plus, it 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 provide a mix of system and appliance coverage. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Rio Rancho area.
Read more by visiting our First American Home Warranty full review. To get a free quote from First American Home Warranty, 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Rio Rancho residents. Cinch has more than 44 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a mix of system and appliance coverage. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Rio Rancho area.
Read more by visiting our Cinch Home Services full review. To get a free quote from Cinch Home Services, 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
The Home Service Club offers the best home warranty with the quickest service for Rio Rancho residents. HSC has more than 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it 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 provide a mix of system and appliance coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Rio Rancho area.
Read more by visiting our The Home Service Club full review. To get a free quote from The Home Service Club, 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 | $6,305 |
Heating | $4,203 |
Electrical | $631 |
Toilets | $525 |
Washer/Dryer | $841 |
Plumbing | $631 |
Oven | $1,681 |
Fridge | $631 |
A home warranty is a protection policy that assists Rio Rancho homeowners lower the high costs of household repairs. These plans offer financial coverage to repair or replace appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with modern appliances might not need a home warranty.
Home warranties safeguard your home systems and appliances. Common covered appliances include microwaves, dishwashers, washers, refrigerators, garbage disposals, dryers, and more. Covered systems include air conditioning, electrical, heating, and plumbing. Many home warranty plans offer additional add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. Rio Rancho 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 due to normal wear and tear. Home warranties don't cover things like pre-existing conditions, natural disasters, cosmetic issues, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by the policy.
Before agreeing to a home warranty contract, you should know key terms like:
There are several important considerations when choosing a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically provide protection for heating, plumbing, AC, electrical, and appliances, while more comprehensive plans may also cover pools, spas, well pumps, and roof leaks. Look for companies with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with more affordable fees to maximize savings on every claim. Some providers also do away with deductibles when customers have a claim-free period.
A home warranty provider's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Positive ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies have networks of local contractors to handle repairs in your area. Reach out to potential providers to learn how many repair professionals they have in Rio Rancho and get an idea for how fast your repairs could take place in an emergency situation. More extensive networks improve the chances of getting qualified contractors to quickly service your home.
Home warranty companies sometimes include extras such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These can add value beyond just repair coverage. Additional perks can maximize the usefulness of the home warranty.
Home warranties are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Rio Rancho reaching an average high of 64℃F, you may find that certain appliances, like your air conditioning unit, get a lot of use. A home warranty can considerably bring down out-of-pocket expenses should your HVAC system stop working.
Not to mention, having a home warranty can save you some time by getting rid of the need to research contractors — most companies will send a trusted professional right to your door to do the repair or replacement. A home warranty can also give value in other ways. For instance, some policies can be transferred to another owner during a home sale.
One drawback of purchasing a home warranty is that there are often exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it’s important to read over the contracts you’re considering carefully to get a sense of what is included and what isn’t.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests being rejected, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Rio Rancho can cost between $30 and $60 a month. The higher-priced plans usually have a lower service fee, broader coverage, 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 kinds of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. Homeowners insurance protects your home in case of a situation such as a fire or natural disaster. With a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or stove, unless the damage is a result of a natural disaster, which is somewhat common in Rio Rancho.
First-time homebuyers, real estate agents, homeowners, home sellers, and landlords are all eligible for 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 policy can cover your systems, appliances, 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 want to save some money.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
In general, 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 transferred to the new homeowner, who has to pay the service fees when using the policy. In Rio Rancho, where the median value of a home is $328,947, having the seller pay for the home warranty can be a good asset for your new home.