As someone who’s visited New Mexico during a summer heat wave, I understand the toll the state’s hot and dry climate takes on homes. Sweltering summers strain essential systems such as air conditioning units, refrigerators, and more. So when your AC suddenly breaks down during 110°F heat or your clothes washer springs a leak right before laundry day, prompt repairs are critical. Large repair and replacement bills out of pocket would devastate most New Mexico homeowners’ budgets.

Our Top Pick
Best for Customization
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Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
AHS Logo
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Limited Time:
40% Off Our Most Popular Plan
Best Value
select home warranty logo
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Limited Time:
$150 Off (Code HOUSE25)
Best Customer Ratings
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Limited Time:
$150 Off + 1 Month Free

That’s where a solid home warranty can protect you — you pay a flat monthly fee (along with an affordable service call fee when you need repairs) and your home warranty providers handle any repairs and replacements. However, between confusing contract terms and denied claims, many New Mexicans don’t trust home warranties. So, I researched top in-state options, scrutinizing the fine print and analyzing customer feedback to filter out the lackluster providers. Using Today’s Homeonwer’s review criteria like comprehensive coverage, reliability, and affordability, I found the top home warranty providers in the state.

As a result of my thorough research, I found five home warranty companies emerged as reputable options for New Mexico homeowners. Their plans account for appliances, home systems, and home features common in New Mexico homes.  Most importantly, all five providers have strong records of paying claims rapidly to restore failing home systems. For assurance against expensive repairs, I recommend the five providers I discuss in detail in this article as the best home warranty companies available in New Mexico.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.

Table of Contents

    Top 5 New Mexico Home Warranty Companies

    Liberty Home Guard: Best For Customization
    Highlights
    • Liberty Home Guard catches my attention as a top home warranty pick in New Mexico because of the ability to customize coverage. With the state’s extremely hot and dry weather, options like AC, plumbing, and appliance protection suit the variety of systems that many New Mexico homeowners rely on every day. Even as a newer provider, Liberty earns praise for responsive claims service critical during summer heat waves.
    • American Home Shield also stands out to me due to its rapid 24-hour response time across NM’s large rural area. If appliances leak or your refrigerator fails in the heat, fast repairs prevent small problems from becoming expensive damages. The coverage of preexisting issues provides assurance for homes with aging appliances and systems, too.
    • Whichever home warranty provider you select, evaluating the fine print is essential to avoid surprise costs. Make sure covered systems/appliances and caps are enough to fully cover the important items in your home. And be aware of the full exclusions – read over a sample service contract from the provider to check. Doing your homework first ensures your policy gives you full financial protection from expensive appliance and home system repairs that you need.

    My Expert Recommendation

    While I was ​​analyzing plans and services, Liberty Home Guard stood out for its flexibility. With 40-plus add-ons, Liberty lets New Mexicans customize coverage to match their home’s specific needs. The state’s weather extremes‌ — featuring scorching summers with low humidity — strain crucial systems like air conditioners, refrigerators, and other appliances and systems. This added wear makes breakdowns more likely, often striking at the worst times. Liberty’s 24/7 emergency repair services bring vital reassurance when you need it most.

    For New Mexicans with high-end appliances, American Home Shield (AHS) and Elite Home Warranty (EHW) are also noteworthy. These reputable, Better Business Bureau (BBB)-accredited providers boast generous coverage — AHS has $5,000 coverage caps for home systems and $4,000 for appliances and EHS offers $10,000 for home systems and $6,000 for appliances. These ample limits can safeguard even the highest-end equipment. While all warranties have exclusions, Elite’s and AHS’s high caps simplify protecting expensive items.

    In the end, Liberty’s customization and American Home Shield’s and Elite’s extensive coverage limits extend real security against unexpected repair expenses. However, always examine the fine print on inclusions and exclusions before deciding. All five of my recommendations here have unique benefits for giving New Mexicans peace of mind. But Liberty, American Home Shield, and Elite are particularly well-suited to handle breakdowns from the state’s high temperatures.

    Today’s Homeowner Tips
    While I was ​​analyzing plans and services, Liberty Home Guard stood out for its flexibility. With 40-plus add-ons, Liberty lets New Mexicans customize coverage to match their home’s specific needs.

    New Mexico Home Warranty Companies I Didn’t Include

    I chose not to include Choice Home Warranty in my top picks for New Mexico homeowners. The main reason is an active consumer fraud lawsuit filed by the Arizona Attorney General against Choice. Until this case concludes and I can thoroughly examine the final ruling, I don’t feel comfortable recommending Choice to New Mexicans.

    If the lawsuit uncovers credible evidence of widespread deceptive or fraudulent practices, that would solidify my position to continue leaving Choice off my list and advising New Mexico residents to avoid this provider. However, if the case gets dismissed without any concerning findings, I would reconsider including Choice after further research to confirm its improved business standing and reputation.

    While the legal matter remains unsettled for now, the uncertainty and potential for substantiated misconduct claims led me to err on the side of caution by not endorsing Choice. I want to confidently stand behind all of the companies I recommend to my fellow homeowners.


    Compare The Highest Rated Home Warranties In New Mexico

    CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

    $50-$60

    $75

    12-48 hrs.

    NR

    VISIT SITE
    AHS Logo

    $35–$75

    $100–$125

    24-72 hrs

    B

    VISIT SITE

    $44.99-$58.99

    $70

    48 hours

    A+

    VISIT SITE
    choice home warranty logo

    $46–$55

    $85

    24-48 hrs.

    B

    VISIT SITE
    select home warranty logo

    $52–$58

    $60

    24-48 hrs.

    B

    VISIT SITE
    AFC Home Warranty logo

    $38–$62

    $75–$125

    48 hours

    B

    VISIT SITE
    first american logo

    $38–$48

    $75–$125

    48 hours

    B

    VISIT SITE

    $17–$60+

    $65–$100

    2–24 hrs

    A-

    VISIT SITE

    $28–$68

    $100–$150

    2–24 hrs

    B

    VISIT SITE

    Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.


    Our Reviews of the Best Home Warranties in New Mexico

    Best for Customization

    Liberty Home Guard

    4.6

    Our Rating

    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage

    I like Liberty Home Guard (LHG)’s industry-leading customization. With over 40 add-ons, it allows New Mexicans to create plans uniquely suited to their homes. Given the state’s climate extremes, the ability to include coverage for backup generators, which many households rely on during common power outages from sizzling temperatures, provides valuable peace of mind. 

    I appreciate that Liberty maintains a solid reputation, boasting 4.7 stars on Google and Trustpilot. Whereas many home warranty companies average a concerning 2 to 3 stars, LHG’s high marks for responsive service instill confidence that it will deliver when you need repairs most. In a state with many rural properties, having reliable support is crucial. I also appreciate its additional perks, like 60-day workmanship guarantees, which exceed the typical 30-day standard.

    Liberty’s add-ons are expensive — averaging $15 per month compared to just $6 from providers such as Elite. And while LHG’s customizable plans are enticing, I have some concerns after reviewing its sample contract. My biggest gripe is Liberty’s $2,000 coverage caps for systems and appliances, which are considerably lower than the limits offered by competitors such as American Home Shield and Elite Home Warranty. If your air conditioner or other costly equipment needs to be replaced, those low caps could leave you with substantial out-of-pocket costs.

    Today’s Homeowner Tips
    All home warranty providers allow you to review a full sample contract before you sign up for a new plan. I recommend all homeowners do this to ensure they get the coverage they need without any surprise exclusions.

    With New Mexico’s unique dry climate and heat, having a dependable home warranty to safeguard against unexpected, costly repairs can be critical. Liberty Home Guard stands out to me as a budget friendly, adaptable solution. Starting around $50 per month, Liberty’s plans provide extensive coverage and offer over 40 practical add-ons tailored to New Mexico homes, such as protection for swamp coolers, lawn sprinkler systems, and even generators. This exceptional level of customization is why I award Liberty an impressive 9.3/10 rating. 

    One potential drawback to keep in mind is Liberty’s $2,000 coverage limit per covered item. While this cap should adequately handle most standard home system and appliance breakdowns, it may fall short for high-end or luxury brands. However, Liberty goes above and beyond by offering an unparalleled 60-day workmanship guarantee on repairs, providing twice the peace of mind compared to the industry standard. If any issues recur within this timeframe, Liberty will resolve the issue at no additional expense.

    For New Mexico homeowners who don’t own ultra-premium appliances, Liberty’s winning combination of personalized plans, competitive prices, and dedicated customer service is hard to beat. Across review sites like Google, Trustpilot, and the Better Business Bureau, customers consistently praise Liberty for its responsiveness and reliability. However, if you own top-of-the-line appliance brands such as Viking or Wolf, it might be worth exploring higher coverage limits from providers such as American Home Shield or Elite Home Warranty. Still, Liberty Home Guard claims its spot as my leading recommendation.

    I award Liberty an impressive 10/10 rating for its ability to craft plans that cater to New Mexico’s unique climate risks while maintaining affordable pricing. With coverage options for appliances, systems, or a combination of both, Liberty provides the flexibility needed to address the unique challenges of the Land of Enchantment. 

    I personally recommend the Total Home Guard plan, which combines appliance and system coverage for just $60 per month — a mere $10 more than the base Appliance Guard plan. This comprehensive coverage offers peace of mind, ensuring that all your essential home systems are protected from expensive failures. 

    Most of LHG’s add-ons, such as electronics, pest control, and roof leak coverage, range from an additional $8 to $15 monthly. One potential drawback is Liberty’s service call fees, which range from $65 to $125 – higher than the industry standard of $75. However, Liberty offers enticing discounts, such as two free months with annual payments or seasonal $225 coupons I found while secret shopping, which can help offset these costs.

    PlanMonthly CostService FeeAvailable Discounts
    Appliance Guard$49.99$65 $1252 months free, $225 off coupon
    Systems Guard$54.99$65 $1252 months free, $225 off coupon
    Total Home Guard$59.99$65 $1252 months free, $225 off coupon

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Albuquerque, NM. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Liberty Home Guard offers the following optional add-ons for New Mexico homeowners. As someone familiar with the state’s hot summers, I appreciate the optional generator coverage, as it’s critical to keeping your AC running during New Mexico’s frequent summer power outages. 

    • Carpet cleaning: $19.99/month
    • Casita guest unit: $35.99/month
    • Central vacuum: $8.99/month
    • Electronics protection: $19.99/month
    • Ejector pump: $14.99/month
    • Freestanding ice maker: $14.99/month
    • Generator: $19.99/month
    • Grinder pump: $14.99/month
    • Gutter cleaning: $14.99/month
    • Ice maker (in-fridge): $3.99/month
    • Instant hot water dispenser: $9.99/month
    • Lawn sprinkler system: $9.99/month
    • Lighting fixtures: $7.99/month
    • Limited roof leak: $11.99/month
    • Pest control: $14.99/month
    • Plumbing fixtures: $7.99/month
    • Pool and spa: $19.99/month
      • Additional spa: $9.99/month
    • Power washing (exterior flooring): $19.99/month
    • Pro-series clothes dryer: $4.99/month
    • Pro-series dishwasher: $7.99/month
    • Pro-series microwave: $4.99/month
    • Pro-series range/oven/cooktop: $12.99/month
    • Pro-series refrigerator: $14.99/month
    • Pro-series standalone freezer: $14.99/month
    • Pro-series washing machine: $4.99/month
    • Re-key: $9.99/month
    • Reverse osmosis water filter system: $14.99/month
    • Salt water pool: $23.99/month
    • Second refrigerator: $7.99/month
    • Septic system pumping: $12.99/month
    • Sump pump: $8.99/month
    • Swamp cooler: $14.99/month
    • Trash compactor: $7.49/month
    • TV mounting (up to 65 inch TVs): $14.99/month
    • TV mounting (up to 85 inch TVs): $19.99/month
    • Water dispenser water line: $4.99/month
    • Water softener: $13.99/month
    • Well pump: $12.99/month
    • Window washing/cleaning: $19.99/month
    • Wine cooler/fridge: $11.99/month
    Exclusions

    Liberty has the following exclusions from its plans, which are standard among providers. 

    • Cosmetic defects
    • Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
    • Disposal of appliances, systems, or components
    • Electronics, computerized, “smart,” or Internet/enabled components and parts
    • Filters associated with any covered items
    • Fire sprinkler systems
    • Flues, vents, chimneys, and exhaust lines
    • Glass parts
    • Lighting
    • Malfunction or damage due to acts of God
    • Noise
    • Radon and other leak detection monitoring systems
    • Remote receiving and transmitting devices
    • Solar systems and applications

    Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Liberty Home Guard earns my high 8.9/10 rating for affordability for its competitively priced home warranty plans. Its base plan starts at around $50 per month — in line with industry averages, which makes it accessible for most New Mexico homeowners. However, it’s worth noting that Liberty’s add-ons are generally more expensive than those of other providers, with most costing over $15 per month compared to the sub-$10 pricing offered by competitors like American Home Shield and Elite Home Warranty. 

    Another downside is the non-negotiable service fee ranging from $65 to $125 you have to pay when filing a claim, which is higher than what many other companies charge. On a positive note, Liberty gets my praise for its coverage of unique appliances that other warranties often exclude, such as reverse osmosis filters and pro-series or luxury equipment. This flexibility is especially valuable for New Mexicans with high-end or specialized home systems. 

    However, it’s important to be aware that Liberty only covers items up to their “book value,” rather than the full replacement value. Furthermore, Liberty’s per-item coverage caps max out at $2,000 — lower than the limits set by some of its main competitors, such as American Home Shield at $3,000 and Elite Home Warranty at $6,000.

    I give Liberty Home Guard a respectable 7.8/10 rating for customer experience due to its transparent online quoting system. Its website makes it easy for New Mexico homeowners to compare coverage options and personalize their plans. When I conducted my secret shopping, I found the enrollment process to be seamless and efficient, allowing me to customize my coverage to my unique.

    Once you sign onto a new plan, you’ll appreciate the various convenient contact methods available for reaching out to LHG’s team for help. Liberty’s accessibility over the phone, through email, or online chaat ensures that you can receive prompt support when issues arise, reducing stress during challenging situations.

    One downside is its 30- to 60-day waiting period before coverage begins, which is similar to industry averages. However, I was impressed by LHG’s 60-day service guarantee on repairs, which offers additional assurance that any work performed will meet the required quality standards on the first attempt (and if not, Liberty will repair it again at additional charge).

    Although some online reviews mention occasional slow response times when submitting a claim or difficulty reaching a supervisor for escalated concerns, overall Liberty provides a streamlined experience from quote to repair. With transparent pricing, good accessibility, and robust service guarantees, New Mexico homeowners can anticipate a relatively smooth experience when working with this provider. Liberty’s coverage also starts sooner than that of many competitors, beginning in just 30 days after sign-on rather than the typical 60.

    Although Liberty Home Guard is a relatively young company in the home warranty industry, it’s rapidly established itself as a top choice for reliable protection in New Mexico, especially given the unique challenges posed by the state’s climate and geography. Liberty shows its commitment to putting people first, setting it apart from competitors. This dedication pops up not only in customer reviews but also in the praise it receives from employees on Glassdoor, highlighting a supportive company culture that drives exceptional service.

    Across thousands of reviews, Liberty consistently receives glowing praise, with overwhelmingly positive 4.7-star ratings on Google and Trustpilot. Customers highlight representatives going the extra mile, smooth claims processes, and quick issue resolution. Negative reviews are few and far between and mainly mention isolated cases of longer wait times or unexpected fees.

    However, it’s worth noting that Liberty recently encountered a temporary setback when the Better Business Bureau (BBB) revoked its A+ rating due to an influx of complaints. After reaching out to the BBB and speaking with a representative, I discovered that this is a standard procedure while they meticulously review the complaints. Liberty has previously gone through this process a few times in the past three years and had its A+ rating restored after the BBB’s thorough evaluation, so the same will likely happen in this instance.

    Among New Mexico home warranty companies, Liberty Home Guard shines with its exceptional reputation, earning a stellar 9.1/10 rating from me. For New Mexico homeowners seeking a home warranty provider they can rely on, Liberty Home Guard is a top choice for its outstanding reputation and dedication to customer satisfaction.

    Rating SiteRatingNumber of Reviews
    BBBNR*Customer Reviews are not used in the calculation of BBB Rating
    Trustpilot4.72,432
    Google4.710,313
    Yelp1.556

    Editor’s Note: The ratings provided were accurate at the time of writing.

    *Note (as of 3/13/24): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time the BBB has restored its A+ rating after a thorough review.

    New Mexico residents facing the unique challenges posed by the state’s climate can have peace of mind knowing that Liberty Home Guard is there for them when disaster strikes. In a state known for its desert climate, having urgent support available for catastrophic failures like burst pipes, AC breakdowns, and appliance leaks can be a game-changer, preventing minor issues from spiraling into costly disasters.

    Liberty Home Guard sets the standard for claims handling, with an impressive 12-hour average response time and crucial emergency repair options that many competitors lack. When New Mexico homeowners need it most, Liberty shines. Homeowners consistently praise Liberty’s smooth claims process and quick payouts after approval. 

    Liberty’s dedication to providing top-notch service in the face of adversity is truly remarkable. Its lightning-fast response time, combined with emergency services and streamlined approvals, earns a perfect 10/10 rating from me for their claims process. 

    Liberty Home Guard offers its home warranty plans to all 50 U.S. states. This means you can expect an experienced network of local contractors ready to fix issues that pop up in your home. 

    Best Coverage Limits

    American Home Shield

    4.3

    Our Rating

    Limited Time:
    40% Off Our Most Popular Plan

    I like that American Home Shield (AHS) has been forging its contractor partnerships for over 50 years, enabling the company to access specialized repair help for any unique needs that New Mexico homes may have. This expertise, combined with its expansive coverage options and flexible service fees, makes AHS a top choice for residents seeking the best protection against expensive equipment failures and weather-related damage.

    ​​I also like its high coverage caps of $5,000 for home systems and $4,000 for appliances. This extensive protection provides New Mexico homeowners with peace of mind, even for high-end home items. 

    As the longest-running home warranty provider in the industry, AHS has had more time to accumulate reviews (both good and bad) compared to its competitors. However, the sheer volume of 1-star ratings and negative feedback on the Better Business Bureau (BBB), Trustpilot, and Yelp outweigh the positives, especially given AHS’s decades of experience in the industry.

    Many negative reviews cite transparency issues, unexpected rate hikes, and repair delays for non-emergency issues. Some reviews also cite short 30-day workmanship guarantees as a concern. While people are more likely to share negative experiences than neutral or positive ones, the consistently low ratings across multiple platforms throw up a red flag for me.

    I give American Home Shield fair marks of 8.6/10 overall, considering its strong coverage maximums, coverage of preexisting defects, and the value of its ShieldPlatinum plan. As a 50-plus-year industry pioneer, AHS leads competitors with generous coverage caps of up to $5,000 for systems and $4,000 for appliances, surpassing providers like Liberty Home Guard with $2,000 limits. This extensive protection brings confidence to New Mexicans who own high-end appliances and systems.

    While quoting and shopping online with AHS was straightforward during my secret shopping, I found some downsides. For example, some reviewers faced extended repair delays, and AHS’s lower-tier plans don’t cover as many appliances and systems as entry-level options from competitors. However, AHS’s ShieldPlatinum plan offers comprehensive protection at only a slight uptick in cost, still beating comparable plans in the items it covers.

    ​​Another notable advantage of American Home Shield is its coverage of preexisting defects, rust, and corrosion, unlike many other providers, which I find quite valuable. Additionally, its expansive contractor network enables broad, reputable support across New Mexico.

    American Home Shield offers New Mexico homeowners flexibility through lower monthly premiums or higher service fees, allowing you to choose what’s best for your budget and situation. While AHS’s service fees, ranging from $100 to $125, exceed the $75 industry average, the company makes up for it with its higher coverage caps.

    AHS offers three plans — the ShieldSilver for major systems, ShieldGold adding some appliances, and the comprehensive ShieldPlatinum. The ShieldPlatinum plan particularly stands out to me as it includes roof leak coverage — a rarity in the home warranty industry. This top-tier plan also includes free HVAC tune-ups, allowances for code violations, permits, and equipment modifications that other warranties often exclude. The HVAC tune-up is an especially valuable bonus, helping to prevent AC failure during New Mexico’s summers.

    Surprisingly, all of American Home Shield’s plans cover old, improperly installed items and preexisting conditions, which many rival plans don’t. This extensive protection brings peace of mind to owners of complex or aging systems and appliances. For its plans and coverage, I give AHS a strong mark of 9/10. 

    PlanMonthly CostService Fee*Available Discounts
    ShieldSilver$29.99 $39.99$100 $125Same-day discount
    ShieldGold$49.99 $59.99$100 $125Same-day discount
    ShieldPlatinum$79.99 $89.99$100 $125Same-day discount

    *If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $79.99 rate for the ShieldPlatinum plan pairs with the $125 service fee.

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Albuquerque, NM. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    American Home Shield offers a limited selection of just six optional add-ons. As someone who owns several expensive electronic devices, I appreciate the affordable electronics protection plan. 

    • Electronics protection plan: $14/month
    • Guest unit: $15.99/month
    • Pool & built-in-spa equipment: $18/month
    • Roof leak repair: $10/month
    • Septic pump: $5/month
    • Well pump: $8/month
    Exclusions

    AHS has the below exclusions to its home warranty plans. These are on par with other providers in the industry. 

    • Damage due to pets or pests
    • Failure to properly clean or maintain home systems or appliances
    • Foundation or structural damage
    • Improper installation, improper wiring, or damage caused by construction activity
    • Manufacturer’s defect
    • Misuse or human error
    • Natural disasters
    • Neglect, rust, corrosion, or sediment
    • Removal of hazardous material

    Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    American Home Shield earns its 8.7/10 rating for affordability by providing robust coverage that can save New Mexico homeowners money in the long run, despite slightly higher up-front costs. While you may pay more per month and when filing claims with AHS compared to some budget providers, the extra cost acts as an insurance policy against surprise repair or replacement expenses. 

    Plans from the likes of Liberty Home Guard often cap system coverage at around $2,000, while AHS extends that to an impressive $5,000 — offering more than double the coverage. For pools, its $3,000 limit also triples what basic warranties provide. Appliance and home system repairs or replacements can quickly climb into the multiple thousands without adequate coverage, especially given New Mexico’s over seven months of 70ºF-plus weather that can lead to more wear and tear on critical systems and appliances.

    So, for New Mexican homeowners with high-end systems, the peace of mind and extra protection provided by the higher coverage caps can make the slightly pricier rates worthwhile in the long run. The costs for replacement AC systems in the state can easily eclipse the lower caps offered by many competitors, making AHS’s allowance of up to $5,000 for HVAC systems particularly valuable.

    I had high expectations for responsive communication from American Home Shield as an industry leader/founder. However, I found too many complaints about unreturned calls and messages, which is worrying when New Mexico homeowners need help, especially when you have a broken AC unit during 90ºF days.

    Despite the communication concerns, American Home Shield does offer some advantages. During my secret shopping, I found its website effortless to navigate when getting quotes and comparing pricing for different plans. Its standard waiting period before a new policy kicks in is also just 30 days, which is much better than other providers that make homeowners wait 60 days or more. So, I give American Home Shield decent marks of 8.4/10 for customer experience.

    American Home Shield gets a fair 7.7/10 rating from me for its mixed reputation. The company’s low scores on sites like Trustpilot, Google, and Yelp concern me. Many reviewers have complaints about delayed service, unexplained claim denials, and unresponsiveness. These issues worry me, especially for New Mexico homeowners who need fast help with air conditioner breakdowns during the state’s extreme summer heat. That said, some negative feedback appears to stem from misunderstandings over complex policy details. 

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot2.15,178
    Google4.532,781
    Yelp1.0826

    Editor’s Note: The ratings provided were accurate at the time of writing.

    I give American Home Shield a respectable 8.4/10 rating for its customer experience. While some reviews highlight cases of unreturned calls and messages, which is concerning for a prominent provider, AHS takes steps to mitigate these issues by assigning dedicated account managers and offering multiple contact channels. This allows you to get quick responses when you need them.

    American Home Shield’s 24/7 customer service and ability to file claims any time of day bring peace of mind, especially for New Mexico residents facing air conditioner breakdowns in the summer or washing machine issues right before laundry day. After submitting a claim online or by phone, you can track the claim status in your online account, which can reduce stress during the process. Plus, the user-friendly website makes it simple to obtain quotes and compare pricing when selecting a plan that best fits your home.

    American Home Shield’s plans are available to homeowners in all states except Alaska, earning it a perfect 10/10 rating. With its wide-spanning coverage, you can be sure that AHS has experienced local contractors who can fix your appliances and home systems when the need arises. 

    Best Value

    Select Home Warranty

    4.2

    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    Select Home Warranty (SHW) stands out to me with its industry-leading low monthly premiums, ranging from about $44 to $48 per month. This makes it an attractive choice for those looking to protect their home systems and appliances without straining their budgets. Additionally, SHW offers a competitively low service fee of just $75, which is the amount you pay for each repair visit. This combination of low monthly costs and reasonable service fees sets Select apart from many of its competitors.

    Furthermore, SHW’s plans come with a 90-day repair guarantee, which is 30 to 60 days longer than that of many other providers in the industry. This extended guarantee ensures that if a covered item breaks down within 90 days of a previous repair, the company will send a technician to fix the issue at no additional service call fee to the homeowner.

    While Select offers a budget-friendly solution, it falls short in terms of customization options. With only nine add-ons available, Select lags behind industry leaders like Liberty Home Guard, which provides 40-plus choices. I also don’t like Select’s exclusion of preexisting defects. Failing to identify and address any issues before enrolling could lead to claim denials down the road.

    Furthermore, Select’s strict $75 plan cancellation fee appears to prioritize the company’s interests over the flexibility of New Mexico homeowners. So, consider these downsides and weigh them against SHW’s affordability and other benefits before you make a decision. 

    Select Home Warranty earns my 8.4/10 rating for its user-friendly Gold, Silver, and Platinum plans that plainly cover appliances, systems, or a combination of both. Best of all, all plans are available at industry-leading low rates of $44 to $48 per month —  lower than industry leaders such as American Home Shield and Liberty Home Guard. This affordability can lead to notable long-term savings for cost-conscious households. 

    However, Select’s $3,000 coverage cap per item might not suffice for replacing high-end systems like air conditioners, which can be particularly strained by New Mexico’s long summers. Before signing up, assess the value of your current equipment and your monthly budget to provide enough coverage.

    Select Home Warranty provides peace of mind without breaking the bank for New Mexico residents with standard, more affordable appliances and home systems. Nevertheless, those owning more costly or specialized equipment may want to explore providers like Elite Home Warranty or American Home Shield. These providers have higher coverage limits and a wider range of optional add-ons to better suit the specific needs of homes with uncommon systems and appliances. 

    I rate Select Home Warranty a respectable 8.3/10 for prioritizing essential coverage instead of presenting intricate packages with perplexing terminology as do some providers. It offers straightforward appliance, system, and combined plans that enable New Mexico homeowners to easily compare and choose the protection they require. However, given the minimal $4 additional cost for enhanced coverage, I suggest the Platinum plan for the vast majority of New Mexico households.

    That said, SHW’s lower $3,000 limits might not accommodate those with high-end appliances or systems. Although Select provides fewer optional add-ons compared to certain competitors, it offers affordable, no-nonsense protection that caters to the typical needs of most New Mexicans. During my secret shopping, I was offered discounts, including two complimentary months and $150 off annual rates, making Select even more affordable.

    PlanMonthly CostService FeeAvailable Discounts
    Bronze Care$44.42$75$150 off (website), two extra months free
    Gold Care$44.42$75$150 off (website), two extra months free
    Platinum Care$47.75$75$150 off (website), two extra months free

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Albuquerque, NM. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Select Home Warranty offers the following optional add-ons to New Mexico homeowners. While light on offerings, I appreciate the options for standalone freezer and lawn sprinkler system coverage, which are both common in NM homes. 

    • Central vacuum: $3.33/month
    • Lawn sprinkler system: $5.83/month
    • Pool: $8.33/month
    • Roof leak: free
    • Septic system: $5.83/month
    • Spa: $5.83/month
    • Standalone freezer: $3.33/month
    • Sump pump: $3.33/month
    • Well pump: $3.33/month
    Exclusions

    SHW has the following exclusions to its plans, none of which are out of the ordinary. 

    • Common areas in condominiums or multifamily homes
    • Damage from natural disasters and rust
    • Defects or damages caused by the foundation and structure of the home
    • Incorrect installation or malfunctions due to construction damage or improper wiring
    • Issues with systems or appliances related to hazardous or toxic materials (for example mold, asbestos, and gas leaks)
    • Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by a roof leak)
    • Solar heating systems

    Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Select Home Warranty is the best choice for New Mexico homeowners seeking to protect their homes while staying within a tight budget. With monthly premiums of around $40 after discounts, Select undercuts the industry average by $10 to $20. This affordability extends across Select’s Bronze, Gold, and Platinum plans, which cover essential appliances, systems, or both without the significant price hikes often seen with competitors. Additionally, Select’s service fees of $65 or $75 are much lower than the $100-plus charged by many other providers, saving New Mexicans money on both monthly premiums and repair costs.

    Although Select’s $2,000 per appliance coverage limit might not suit every homeowner, it’s adequate for most homes with standard units. Still, I give Select Home Warranty a commendable 9.1/10 rating for its affordability, competitive pricing, lower service fees, and adequate coverage limits.

    Select Home Warranty’s user-friendly website is a refreshing change from competitors that often overwhelm and confuse potential customers with aggressive tactics. By providing a hassle-free online experience, Select allows you to carefully consider your coverage needs without the frustration of dealing with confusing call center pitches or unnecessary back-and-forth communication. This was a welcome surprise during my secret shopping, and this commitment to transparency and simplicity sets Select Home Warranty apart — making it is an attractive choice for New Mexico homeowners seeking a stress-free home warranty experience and earning a commendable 8.1/10 rating from me.

    Select Home Warranty’s reputation among customers is a mixed bag, with the company’s Better Business Bureau grade sitting at a decent B. Online feedback on platforms like Trustpilot and Google includes both praise for helpful customer service, easy sign-up, and swift repairs, as well as criticism citing low reimbursements, denied coverage, and unskilled technicians.

    For New Mexicans considering coverage, it’s essential to weigh Select’s affordability and core plan strengths against ‌potential drawbacks. While the company’s budget-friendly premiums and smooth enrollment process deserve recognition, it’s crucial to factor in the criticism and understand that even quality companies can disappoint some buyers. Ultimately, I give Select Home Warranty a fair 8/10 rating for its mixed reputation.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.74,590
    Google3.819,766

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Select Home Warranty offers New Mexico homeowners a straightforward claims process, either through its website or by phone. For most non-emergency situations, the company dispatches repair technicians within 48 hours, which is standard in the industry. However, this response time can be frustrating when your refrigerator fails during a scorching New Mexico summer. 

    On a positive note, Select Home Warranty provides 24/7 emergency assistance for urgent issues like burst pipes or broken down AC units, ensuring that critical failures receive prompt attention and minimizing potential health and safety risks. While Select’s claims process aligns with industry norms, the slower dispatch times for non-emergencies is a drawback, earning the company a fair 7.6/10 rating from me. 

    Select offers its home warranty plans to all 50 U.S. states and Washington D.C., earning it a remarkable 10/10 score. New Mexicans can expect a local network of experienced contractors that can swiftly fix appliance and systems issues in their homes. 

    Best Customer Ratings

    Elite Home Warranty

    4.3

    Our Rating

    Limited Time:
    $150 Off + 1 Month Free

    I like ​​Elite Home Warranty’s generous coverage limits of $10,000 per system and $6,000 per appliance — two to three times higher than the industry average. This ensures that New Mexico homeowners can safeguard their homes’ critical components without breaking the bank, providing peace of mind in the face of expensive systems like air conditioners breaking beyond repair. 

    In addition to its impressive coverage limits, I like that Elite offers an extensive array of customization options, with 26 add-ons available. This flexibility allows New Mexicans to create tailored plans that balance affordability and financial security, adapting to their specific needs and budgets.

    Moreover, I was pleased to see Elite Home Warranty consistently earns outstanding customer satisfaction ratings, with 4.5 to 5 stars on trusted review sites like Google and Yelp. This praise far surpasses the industry’s typical 2- to 3-star reputation, showcasing Elite’s unwavering commitment to delivering top-notch service to its clients.

    I don’t appreciate Elite Home Warranty’s policy of voiding workmanship guarantees if you use your own technician instead of one in its contractor network. As a homeowner, I value the option to choose contractors I trust to do a good job and that I personally know are reliable. 

    Another concern I have is Elite’s $150 surcharge for after-hours emergency repairs. When critical systems like air conditioners fail overnight during a New Mexico summer, homeowners need urgent support without extra fees. Additionally, Elite’s blanket exclusion of commercial-grade equipment could be a dealbreaker for those who’ve invested in these types of appliances. To cover specialty-grade items, you must pay additional fees, making Elite’s plans less cost-effective than those of competitors when you include these optional add-ons.

    Elite Home Warranty stands out to me with its impressive 26 add-ons, allowing New Mexico homeowners to customize their coverage to fit the unique needs of their homes. This flexibility is particularly valuable in a state with diverse housing styles and desert climates.

    However, Elite’s most remarkable feature is its industry-leading coverage limits, with caps reaching $10,000 for home systems and $6,000 for appliances. These amounts significantly surpass the typical $2,000 to $3,000 offered by competitors, providing New Mexicans who have high-end equipment with invaluable peace of mind. 

    One drawback to consider is that emergency repairs are only available during weekday business hours unless you’re willing to pay steep surcharges of $150, which can be problematic for urgent failures occurring on nights or weekends. Despite this limitation, I give Elite Home Warranty an 8.6/10 rating for its comprehensive coverage and flexibility. For New Mexico homeowners seeking to safeguard their expensive household systems and appliances with the highest coverage limits in the industry, Elite Home Warranty is a top choice.

    Elite Home Warranty’s industry-leading coverage caps set it apart from competitors, easily earning my perfect 10/10 rating in this category. With appliance coverage up to $6,000 per claim and systems coverage reaching $10,000, Elite offers two to three times more protection than most other providers. This is particularly valuable for New Mexico homeowners looking to safeguard expensive AC systems, laundry machines, and other appliances/systems. 

    Like other home warranty companies, Elite offers appliance-only, system-only, or combined coverage plans. I recommend the Elite Complete plan for New Mexicans seeking comprehensive protection, as it bundles both appliance and system coverage for only a slight increase in price. During my secret shopping, I was offered a 30-day free trial and a $150 discount for enrolling by phone, making its top-tier protection even more budget friendly.

    PlanMonthly CostService FeeAvailable Discounts
    Elite Appliance$48.99$100$150 upon sign-up, 30-day trial
    Elite Systems$52.99$100$150 upon sign-up, 30-day trial
    Elite Complete$59.99$100$150 upon sign-up, 30-day trial

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Albuquerque, NM. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Elite Home Warranty offers the following optional add-ons for New Mexico homeowners. I appreciate the option for HVAC annual maintenance, as that is critical to ensuring your AC unit runs all summer long without breakdowns and malfunctions. 

    • Attic exhaust fan: $69.99/year
    • Central vacuum: $49.00/year
    • Effluent pump: $99.99/year
    • Ejector pump: $99.99/year
    • Freestanding freezer: $59.99/year
    • Freestanding ice maker: $59.99/year
    • Freestanding spa equipment: $119.99/year
    • Generator: $99.99/year
    • Geothermal heating and cooling system: $299.99/year
    • Grinder pump: $99.99/year
    • Guest house: $299.99/year
    • HVAC annual maintenance: $299.99/year
    • Jetted/hot tub: $99.99/year
    • Lawn sprinkler system: $99.99/year
    • Lift pump: $99.99/year
    • Limited roof leak repair: $99.99/year
    • Pool & spa equipment: $199.99/year
    • Pool equipment: $149.99/year
    • Premium appliances: $249.99/year
    • Premium benefits: $199.99/year
    • Premium systems: $299.99/year
    • Premium systems plus: $499.99/year
    • Septic system: $129.99/year
    • Service lines: $349.99/year
    • Sump pump: $99.99/year
    • Swamp cooler: $149.99/year
    • Water filtration system: $99.99/year
    • Water softener: $99.99/year
    • Well pump: $99.99/year
    • Wine cooler: $69.99/year
    Exclusions

    EHW has the below plan exclusions, which are standard in the industry. 

    • A lack of maintenance
    • Acts of God
    • Commercial-grade appliances
    • Cosmetic damage
    • Natural disaster-related damages
    • Units in a rental property

    Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Elite Home Warranty’s $100 basic service call fee is on par with that of competitors like American Home Shield, and its core monthly premiums, ranging from $45 to $60, generally align with industry standards. However, I found a few notable fine-print charges that can quickly drive up expenses once you start a contract — $150 surcharges for weekend or emergency service and  $150 per visit for access to premium-brand technicians.

    When I spoke with Elite’s customer representatives, I found them frustratingly vague when detailing the company’s add-on fees, which were also hard to find online (they are buried deep in a quote request confirmation page). This makes it challenging for New Mexico homeowners to accurately compare plans and budget for long-term costs. While Elite offers a free monthly trial and cancellation periods, allowing customers to vet plans risk-free, the lack of transparency remains concerning to me. Considering these factors, I give Elite Home Warranty’s affordability a respectable 8.7/10 rating.

    Elite Home Warranty’s website stands in stark contrast to other providers in the industry, as it doesn’t feature transparent online pricing or quoting. New Mexico homeowners must call in for even basic premium estimates, and the company’s add-on fees are hard to find. The add-on costs are buried deep in the website and are only listed ‌as a yearly price. This lack of transparency makes accurate monthly budgeting a challenge and creates unnecessary friction in the comparison-shopping process.

    Despite these initial quoting and budgeting hurdles, Elite Home Warranty does boast numerous positive customer reviews and awards, indicating that most homeowners are satisfied with the company’s responsive support and coverage once they sign a contract. 

    Despite being a newer player in the home warranty industry, Elite Home Warranty has already earned an impressive A+ rating from the Better Business Bureau. This accreditation speaks to the company’s commitment to providing quality service and addressing customer concerns in a timely manner.

    Although Elite currently has fewer than 200 combined reviews on platforms such as Yelp and Trustpilot, the available feedback is overwhelmingly positive. Customers praise the company’s fast claims handling, budget-friendly prices, and exceptional service, which is particularly valuable for New Mexico homeowners dealing with AC breakdowns in the summer months. While a few negative reviews mention organizational hiccups, these appear to be growing pains rather than systemic issues. Considering Elite’s strong BBB rating and its strong online reviews, I give the company a solid 8.3/10 for its reputation. 

    Rating SiteRatingNumber of Reviews
    BBBA+Customer Reviews are not used in the calculation of BBB Rating
    Trustpilot4.744
    Google4.8143
    Yelp5.04

    Editor’s Note: The ratings provided were accurate at the time of writing.

    I find Elite Home Warranty’s policy of charging an extra fee of $150 for after-hours emergency coverage ‌a significant drawback to its plans. This practice can leave New Mexico homeowners vulnerable in the face of urgent appliance breakdowns. As a provider, Elite should prioritize dispatching aid more dependably during these critical situations rather than profiting from households in desperate need of assistance.

    For non-emergency claims, Elite’s response time falls in line with competitors, with contractors arriving within 24 to 48 hours during normal business days. While acceptable, this timeframe is no better than the industry average. On a positive note, the company does allow homeowners to file claims 24/7 online or by phone, which has become standard practice in the industry. However, considering Elite’s approach to emergency situations and its average response time for non-emergencies, I give it a fair 6.8/10 rating for its claims process.

    EHW offers its plans in 46 of 50 U.S. states, including New Mexico. With its wide coverage area, you can expect its network of local, experienced contractors to service your New Mexico home when you need it. 

    Best for Additional Benefits

    AFC Home Warranty

    4.3

    Our Rating

    Limited Time:
    $200 off + free roof leak coverage

    I like that ​​AFC Home Club offers New Mexico homeowners a range of unique perks that go beyond standard appliance and system coverage. These benefits include discounted home security, medical care, credit monitoring, and insurance savings — creative extras I have yet to see other providers match. By bundling these rare add-on coverage options alongside its robust core protection plans, AFC delivers exceptional value to its customers.

    What impresses me most about AFC is its largely positive customer feedback online, which is a rarity in an industry often plagued by complaints. This high level of satisfaction, combined with the company’s array of optional add-ons, allows New Mexicans to customize comprehensive coverage tailored to their specific needs. 

    AFC Home Club’s lack of emergency repair services outside normal business hours without extra fees is a significant drawback for New Mexico homeowners. If urgent issues like leaking water heaters or AC breakdowns occur during nights, weekends, or holidays, customers must pay additional charges for prompt assistance. With New Mexico’s hot summers, waiting extended periods to avoid fees while dealing with cooling system failures and appliance breakdowns isn’t realistic, especially considering the potential health risks. Most competitors offer 24/7 emergency support, recognizing that around-the-clock access is essential in such critical situations.

    My experience with AFC Home Club has been largely positive, earning the company a strong 8.5/10 rating in my book. One of the standout features is its user-friendly website, which makes the enrollment process a breeze for New Mexico homeowners. AFC allows customers to customize their coverage through tiered plans and multiple service fee options — a level of flexibility that most competitors don’t offer. This simplicity and adaptability, coupled with AFC’s A+ Better Business Bureau grade and consistent adherence to contract terms, make it one of my top choices for home warranty protection in New Mexico.

    However, it’s important to note that AFC Home Club has relatively lower coverage caps compared to other national providers, with a maximum of $3,000 per item. This could be a concern for those with high-end appliances or systems.  Additionally, the company’s reimbursement levels fluctuate based on vague home value assessments, which can be frustrating for homeowners seeking transparency. Despite these limitations, AFC customers give this provider glowing reviews for seamless claims experiences and knowledgeable technicians, as long as the issues fall within the coverage limits.

    For New Mexicans considering AFC Home Club, I recommend the Diamond Plan, which bundles systems, appliances, roof leaks, and even electronics. Although this plan has its limitations, it suits the needs of most homes in the state.  By guaranteeing repairs within 48 hours and offering lifetime workmanship warranties, AFC strives to deliver timely, high-quality service when unexpected breakdowns disrupt your daily life. 

    AFC Home Club’s standout feature is its exceptional Diamond Plan, which comprehensively covers home systems, appliances, electronics, exterior lines, and even unique extras like roof leaks. This industry-leading plan offers New Mexico homeowners the rare and valuable opportunity to protect their personal electronic devices, such as smartphones, tablets, and home office equipment, alongside their core home systems and appliances.

    I’m impressed by AFC’s range of four total plan options, allowing New Mexicans to customize their protection to suit their specific needs. From a basic appliance-only plan to the all-inclusive Diamond package, AFC’s flexibility surpasses most providers who limit customers to just three plans. During my secret shopping, I discovered attractive discounts, including $140 off annual policies and $250 off three-year plans. Combined with the Diamond Plan’s one-of-a-kind tech device coverage and AFC’s already competitive pricing, savvy shoppers in the Land of Enchantment can maximize their savings while securing robust, tailored protection.

    The four AFC Home Club plans are:

    • Silver Plan — covers nine major home appliances
    • Gold Plan — protects 15 appliances plus systems like electrical systems, plumbing systems, and HVAC
    • Platinum Plan — covers 18 appliances/systems, including microwaves and in-fridge ice makers
    • Diamond Plan — the most comprehensive, adding electronics, exterior water lines, sewer lines, and even roof leaks

    For its industry-leading coverage variety, modern device protection, and flexible plan options, I rate AFC Home Club a strong 8.1 out of 10. 

    PlanMonthly CostService FeeAvailable Discounts
    Silver Plan$36.83$125Up to $250 off, free roof leak protection
    Gold Plan$51.92$125Up to $250 off, free roof leak protection
    Platinum Plan$57.00$125Up to $250 off, free roof leak protection
    Diamond Plan$61.58$125Up to $250 off, free roof leak protection

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Albuquerque, NM. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    AFC Home Club offers the following optional add-ons for New Mexico homes. Since in-ground pools and spas are common in the state to escape the heat, I appreciate the affordable option to cover these systems. 

    • Built-in microwave: $50/month
    • Central vacuum: $25/month
    • Double oven: $25/month
    • Electronics coverage (price depends on your specific electronics)
    • Hot water dispenser: $25/month
    • Ice maker: $25/month
    • In-ground pool: $100/month
    • In-ground pool and spa: $150/month
    • Roof leak (free, worth $25/month)
    • Septic system: $50/month
    • Standalone freezer: $25/month
    • Sump pump: $35/month
    • Well pump: $50/month
    Exclusions

    AFC has the following exclusions to its plans: 

    • Crane rentals needed to move appliances or systems
    • Geothermal heating systems
    • Haul-away services
    • Light fixtures
    • Code violations
    • Appliances and systems not properly maintained

    Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    AFC Home Club stands out for its affordability across its plan range, catering to all New Mexico budgets and earning a strong 9.1/10 rating from me. From a plan covering just core appliances to the comprehensive Diamond bundle, AFC’s premiums remain competitive, with even the top-tier option staying under $65 monthly. This is particularly impressive considering that the Diamond Plan includes unique features like electronics and sewer line coverage, which other warranties often exclude.

    Another aspect I appreciate about AFC is the flexibility it provides in choosing service fees. Homeowners can select from $75, $100, or $125 per repair visit, allowing them to balance higher deductibles against lower monthly costs. However, it’s important to note that complex add-ons can quickly accumulate, often exceeding $15 each and driving up the total rates.

    Before enrolling with AFC Home Club, I strongly recommend carefully reviewing the sample contract. While the company broadly advertises $3,000 coverage limits, the fine print reveals lower caps of $150 to $500 on certain items like microwaves and ovens. 

    After exploring AFC Home Club’s website, getting quotes, and speaking with customer service representatives, I am thoroughly impressed and give the company a top score of 9.2/10 for my customer experience rating. AFC’s website is incredibly user friendly, neatly organizing different plans, home warranty coverage tiers, and add-ons, allowing New Mexico households to easily customize policies that suit their budgets and specific repair concerns.

    Unlike some providers that offer only a single, vague sample contract, AFC goes the extra mile by providing transparent example agreements that illustrate the coverage specifics for each plan. This level of transparency simplifies the shopping process and helps customers make informed decisions. Furthermore, customer feedback consistently praises AFC’s excellent communication and the professionalism of its technicians when handling claims – two critical factors that contribute to a positive home warranty experience.

    AFC Home Club stands out for its consistently positive online ratings, earning a solid 8.3/10 from me for its reputation. The company boasts a respectable 3.7 score on Google, easily surpassing the dismal 2-star averages of top national competitors. Numerous AFC reviewers praise the company’s excellent customer service, prompt technician dispatch, smooth claims experience, and fair reimbursements when repairs are necessary.

    Although AFC has a smaller online presence compared to major rivals, with fewer than 2,000 total reviews, it makes up for this limitation through its long-standing BBB accreditation (maintained since 2015) and demonstrated service reliability over its 14 years in operation. When issues do arise, AFC showcases its responsiveness by swiftly addressing and resolving more than 140 Better Business Bureau cases in the past three years alone. While some negative reviews mention coverage loopholes, cancellation fees, or misunderstandings of the contract, AFC is quick to respond to and close complaints, working to ensure customer satisfaction.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.024
    Google3.71,585
    Yelp1.9336

    Editor’s Note: The ratings provided were accurate at the time of writing.

    AFC Home Club’s life-of-contract workmanship guarantee is a notable perk, shielding New Mexico households from paying extra for repeat repairs on the same system or appliance component. However, the company’s lack of 24/7 emergency repair options during nights, weekends, or holidays is a significant drawback, earning it a subpar 6.8/10 rating from me for its claims process. This limitation can leave homeowners waiting or paying steep surcharges for urgent issues like leaking appliances or malfunctioning cooling systems during the state’s scorching summers.

    AFC Home Club offers its home warranty plans in 48 U.S. states, excluding California and Hawaii, earning it a perfect 10/10 score. With near-nationwide coverage, you can expect quality local contractors available to fix your appliance and home systems. 


    Calculate the Cost of New Mexico Home Warranty

    Use our below home warranty pricing tool to estimate the full yearly cost of a home warranty plan for your New Mexico home. Type in your monthly premium, service call fee, and the number of repair visits you expect in a year. The tool will then output your estimated annual cost for a new plan to help you budget. 

    Appliance Average Repair Cost Average Replacement Cost
    Dehumidifier $50–$200 $1,300–$2,800
    Microwave $50–$400 $60–$2,000
    Dishwasher $50–$500 $400–$3,000
    Exhaust Fans $16–$300 $250–$950
    Electric Range $100–$500 $230–$3,000
    Gas Range $100–$500 $230–$3,000
    Dryer $100–$400 $450–$2,300
    Oven $100–$430 $400–$3,000
    Washer $50–$450 $400–$2,300
    Freezer $90–$500 $160–$2,900
    Refrigerator $40–$350 $200–$5,000

    New Mexico Home Warranty Regulations

    In my research, I found that home warranties in New Mexico don’t have a dedicated regulatory agency providing oversight. However, this doesn’t mean residents are completely unprotected if problems arise with their home warranty provider. You can still file a complaint through the state’s Department of Insurance if you encounter issues with your home warranty company not honoring its obligations.

    When selecting a home warranty in New Mexico, it’s crucial to thoroughly research providers by reading genuine customer reviews and detailed analyses. Watch out for new companies without established track records, as some policies that seem too good to be true likely are. By being a diligent consumer and carefully evaluating your options using reputable sources, you can choose a home warranty with greater confidence, even without heavy government regulation.

    Our Top Pick
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    Frequently Asked Questions

    Do You Need a Home Warranty in New Mexico?

    New Mexico’s extremely dry and hot conditions can put significant wear and tear on home systems and appliances. A home warranty can provide valuable financial protection and peace of mind against unexpected repair or replacement costs.


    How Much Does a Home Warranty Cost in New Mexico?

    The average cost of a home warranty in New Mexico is around $400 to 600 per year, or approximately $35 to $50 per month. However, the actual home warranty cost can vary based on factors like the size of your home, the level of coverage you choose, and the provider you select.


    How To Save Money When Shopping for Home Warranties In New Mexico?

    To find the most affordable home warranty in New Mexico, I suggest getting quotes from at least three to four reputable providers via phone and online and comparing the coverage details and pricing side by side. Don’t hesitate to ask about any current promotions, discounts for multi-year contracts, or if they can offer any additional savings to earn your business.


    Is a Home Warranty Worth It for New Mexico Homeowners?

    ​​A home warranty is worth it for New Mexico homeowners because it can provide budget protection and peace of mind against costly, unexpected repairs for essential home systems and appliances. Especially with the strain New Mexico’s climate puts on homes, having a safety net in place with a comprehensive home warranty plan often proves to be a wise investment.



    Other Resources for New Mexico Homeowners

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    Editorial Contributors
    avatar for Jonathon Jachura

    Jonathon Jachura

    Contributor

    Jonathon Jachura is a two-time homeowner with hands-on experience with HVAC, gutters, plumbing, lawn care, pest control, and other aspects of owning a home. He is passionate about home maintenance and finding the best services. His main goal is to educate others with crisp, concise descriptions that any homeowner can use. Jon uses his strong technical background to create engaging, easy-to-read, and informative guides. He does most of his home and lawn projects himself but hires professional companies for the “big things.” He knows what goes into finding the best service providers and contractors. Jon studied mechanical engineering at Purdue University in Indiana and worked in the HVAC industry for 12 years. Between his various home improvement projects, he enjoys the outdoors, a good cup of coffee, and spending time with his family.

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    photo of Lee Ann Merrill

    Lee Ann Merrill

    Chicago-based Lee Ann Merrill has decades of experience writing and editing across a wide range of technical and scientific subjects. Her love of DIY, gardening, and making led her to the realm of creating and honing quality content for homeowners. When she's not working on her craft, you can find her exploring her city by bike and plotting international adventures.

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