A home warranty is a way to protect your budget from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and allow you to live in your home with more peace of mind.
Farmington is a great place to own a home. However, along with all the positives of homeownership, there are usually a few downsides, too. One of the biggest challenges for many homeowners is that systems and appliances can break down unexpectedly.
Choosing the best home warranties on the market can be difficult because of the numerous options out there. If you are frustrated with trying to compare the different options, keep reading for our guide on the top home warranty providers in Farmington.
Finding the right provider for your home warranty is the first step toward protecting your property. Below is a list of factors that you'll want to bear in mind when selecting a home warranty provider:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
In Farmington, Choice Home Warranty offers the best overall home warranty. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 policies that Choice has include options for appliance and system coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our full review of Choice Home Warranty to learn more.
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 Farmington residents. Select offers 3 plans for homeowners to choose from. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also 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 appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000 at the maximum.
Read our review of Select Home Warranty to learn more. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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 in Farmington. AHS has more than 25 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. AHS has 3 simple plans, making the selection process quick and easy. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read our review of American Home Shield.
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 Farmington residents. When you buy a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered appliance or system.
Read more by visiting our thorough review of The Home Service Club. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
In Farmington, Liberty Home Guard offers the most trustworthy home warranty. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and have a mix of both system and appliance coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000 at the maximum.
Read our full review of Liberty Home Guard to learn more. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
In Farmington, Cinch Home Services offers the home warranty with the best workmanship guarantee. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the home warranty for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 per covered system or appliance.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our review of Cinch Home Services.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Farmington
A home warranty is a protection plan that helps homeowners get a handle on the high costs of appliance and systems repairs. Home warranties will cover a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make it easier to budget and manage your finances. Home warranty plans generally have a thirty-day waiting period from the time you pay to the time you can start using it.
For Farmington homeowners, when a problem arises with a covered appliance or system, it is very simple to file a claim. Most home warranty companies have an online portal where a claim can be filed. Once you submit the claim, it will be assigned to a local repair technician that will come to your home and look at the issue. At this point, you pay the service fee. Service fees usually range in price from about $60 to $150 and this is the only out-of-pocket cost you will have to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty will cover systems and appliances that have stopped working due to normal wear and tear. For example, if your dishwasher suddenly stops working under normal use conditions, you can call your home warranty company. Typical appliances covered by a home warranty plan include a garbage disposal, washer, microwave, refrigerator, dishwasher, dryer, and more. The systems that are most commonly covered will be hot water heaters, plumbing systems, heating systems, air conditioners, and electrical systems. The add-on coverage options can include septic system, pool, roof leak, spa, and sometimes even things like locksmith or pest control.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things like misuse, cosmetic damages, pre-existing conditions, and lack of maintenance are excluded from the home warranty policy.
Since temperatures in Farmington can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Having a home warranty plan can help homeowners save money if one of these systems or appliances breaks suddenly.
A home warranty can also give value in other ways. For instance, some plans can be transferred between owners when you sell your home.
As for the downsides of home warranties, coverage varies by provider so it's important to review what each plan covers and doesn't include in the contract. Another drawback is that home warranties may not include some repairs, such as those that are needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were affected most likely won't be covered by the home warranty.
Although home warranties do have some things to bear in mind, whether during winter, summer, or the months in between, a home warranty can help lower the inevitable cost of dealing with home appliances and system repairs, giving you a little peace of mind.
A home warranty can save you thousands of dollars on home repairs and offer you peace of mind as a homeowner in Farmington. All of these top companies have impressive experience in the industry and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. It offers comprehensive coverage of all the essential home systems and appliances at an affordable cost with several add-on options.
The best overall home warranty company in Farmington is Choice Home Warranty but the best company for you will depend on factors like what appliances and systems you need coverage for.
A home warranty protects against the normal wear of systems and appliances in a home. Homeowners insurance protects a home in a situation such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or dishwasher, unless the damage is due to a natural disaster.
Most home warranty providers have a 30-day waiting period before you can make service requests, but some may allow you to file sooner so make sure you check with the company about this.
Most home warranty plans cover replacement costs as well as repair costs. How much the home warranty will cover varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A service fee is a cost that a homeowner must pay before a service technician or contractor comes to your home to repair your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty in place except for the monthly premium/annual cost.