Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Owning a home in Santa Fe has tons of great advantages, 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 can give you the peace of mind you need and protect your savings account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market has many providers — all with different offerings — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Santa Fe.
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 is the most trustworthy home warranty for Santa Fe residents. 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. Liberty has 3 simple plans, making the selection process quick and easy.
Liberty Home Guard offers 3 plans for Santa Fe homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our review of Liberty Home Guard to learn more.
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 is the best overall home warranty for Santa Fe residents. 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. Choice has 2 simple plans, making the selection process quick and easy.
Choice Home Warranty offers 2 plans for Santa Fe homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 is the most cost-effective home warranty for Santa Fe residents. 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. Select has 3 simple plans, making the selection process quick and easy.
Select Home Warranty offers 3 plans for Santa Fe 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. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our review of Select Home Warranty to learn more.
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 is the most customizable home warranty for Santa Fe residents. 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. AHS has 3 simple plans, making the selection process quick and easy.
American Home Shield offers 3 plans for Santa Fe homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our review of American Home Shield to learn more.
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 is the best home warranty for appliance coverage for Santa Fe residents. 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. First American has 2 simple plans, making the selection process quick and easy.
First American Home Warranty offers 2 plans for Santa Fe homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our review of First American Home Warranty to learn more.
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 is the home warranty with the best workmanship guarantee for Santa Fe residents. 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. Cinch has 3 simple plans, making the selection process quick and easy.
Cinch Home Services offers 3 plans for Santa Fe 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our review of Cinch Home Services to learn more.
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 is the best home warranty with the quickest service for Santa Fe residents. 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. HSC has 2 simple plans, making the selection process quick and easy.
The Home Service Club offers 2 plans for Santa Fe homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our review of The Home Service Club to learn more.
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 | $6,363 |
| Heating | $4,242 |
| Electrical | $636 |
| Toilets | $530 |
| Washer/Dryer | $848 |
| Plumbing | $636 |
| Oven | $1,697 |
| Fridge | $636 |
A home warranty is a protection policy that helps lower expenses for Santa Fe homeowners needing appliance and system repairs. These plans provide coverage to repair 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 company then finds a contractor to make the fix 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 avoid expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with aging systems. Newer builds with working appliances probably don’t require a home warranty.
Home warranties protect your household systems and appliances. Typical covered appliances are garbage disposals, washers, dryers, microwaves, refrigerators, dishwashers, and others. Protected systems include electrical, plumbing, heating, and air conditioning. Various home warranty plans offer additional coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Santa Fe should understand that most home warranty plans have a 30-day waiting period before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or improperly using a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty policies differ significantly in terms of coverage. Most plans provide protection for AC, heating, plumbing, electrical, and appliances. More comprehensive options also include coverage for other items such as well pumps, roof leaks, spas, and pools. Look for companies with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your home’s 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 more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation gives insight into things such as repair timeliness, approval rates, contractor quality, and customer satisfaction. Check review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and feedback indicate a provider known for great service.
Home warranty providers 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 Santa Fe and get an idea for how fast your repairs could take place in an emergency situation. Wider networks improve the likelihood of getting qualified contractors to promptly service your home.
Some home warranty companies include extras such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These can add value beyond just repair coverage. Added bonuses help 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 Santa Fe hitting an average high of 62℃F, you may find that some appliances, such as your air conditioner, get a lot of use. A home warranty can considerably lower out-of-pocket costs should your HVAC system break down.
A home warranty also saves you time and energy. Instead of spending hours finding and choosing a repair person to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. A home warranty can also have value in other ways. For instance, some policies can be transferred between owners when you sell your home.
One of the main drawbacks of home warranties is not every home system and appliance you care about may be covered. It’s important to compare the different policies and select one that covers all the appliances, systems, and add-ons you need.
Another thing to consider is that some companies don’t cover pre-existing problems and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about it if you need more information or if this is a problem for you.
A home warranty plan costs, on average, around $300 to $600 a year in Santa Fe. 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 choosing a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover issues 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 your entire home from natural disasters, which can sometimes be a concern in Santa Fe. It doesn't cover a normal appliance or system damage.
First-time homebuyers, home sellers, landlords, real estate agents, and homeowners are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty can cover your systems, appliances, or both. Combination plans are great 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 yearly, and some offer month-to-month options as well.
Typically, the homeowner is the one who pays 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 Santa Fe, where the median value of a home is $570,886, having the seller pay for the home warranty can save you some money on your new home.
