Home Warranty

7 best home warranty companies in Albuquerque, New Mexico

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Albuquerque. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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Home warranties offer a financial buffer to fix or replace appliances that suddenly fail. For a monthly fee, these policies insure items like refrigerators and AC units when they malfunction with regular wear and tear.

Many key home systems break down before hitting the 10 to 15-year mark. HVAC systems typically last just seven to 25 years. The normal lifespan for water heaters is only six to 12 years, and most major appliances today stop working in under 20 years, say the experts at the International Association of Certified Home Inspectors.

If your Albuquerque home contains aging furnaces, dishwashers or other appliances, you'll probably encounter an untimely failure. These top home warranty firms provide robust coverage at fair prices.

Appliance failures due to normal wear and tear aren't covered under homeowners insurance, so having a home warranty can provide you an extra safeguard against surprises. We've done the research to pinpoint what home warranty companies have the best major appliance and system coverage.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

Best for Comprehensive Coverage

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

4.5

Our Rating

Extends workmanship guarantee on completed repairs
Provides an upgrade plan
Features unique perks such as appliance color matching

Explore Plans

Find the best home warranty for you in Albuquerque

Here's our list of the best home warranty companies in Albuquerque:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 Home Buyers Warranty pairs its three coverage plans with flexible service call fees. It also offers coverage perks, including an appliance color-match program and an "Even If" service fee guarantee. With this guarantee, 2-10 will refund your service call fee if your covered item can’t be fixed or replaced.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers plans with a 60-day workmanship guarantee on completed repairs. Compared to other providers in this piece, it also provides the largest number of coverage add-ons – 38 in total.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite Home Warranty has a fully customizable coverage plan you can design based on your coverage needs. It also includes a lengthy 90-day workmanship guarantee.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American Home Warranty has comprehensive coverage caps for appliances in each plan. Additionally, First American includes its First American Advantage upgrade in its Essential and Premium plans. This upgrade provides coverage for miscellaneous items, such as appliance knobs and dials.

What we like

Allows you to choose your service call fee
Doesn’t have a coverage cap on heating, cooling, or ductwork
Accepts 24/7 service calls
Offers replacement of some covered items that are too damaged to repair

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch has some unique home warranty offerings and coverage perks, including homeowners insurance deductible reimbursement. Just like many other companies, it also offers flexible service fees that give you a greater say in your premium.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Select Home Warranty plans have low premiums, and each one includes coverage for roof leaks.

What we like

Provides low service fees compared to other home warranty providers
Includes two extra months of coverage in annual signup
Has an appliance-only, systems-only, and combo plan option

What we don't like

Has a $75 cancellation fee
Low coverage caps

Check out how these companies compare to other top home warranty companies in New Mexico.

Cost of a home warranty in Albuquerque

The cost of a home warranty is on par with the national average, and it largely depends on how frequently you want to make payments. The national average is around $40.91 to $77.05 per month, or $563.62 to $927.43 per year. We calculated the average by requesting hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties cover various major systems and appliances, but they're not a substitute for homeowners insurance. Below, we'll summarize what home warranty coverage typically includes and excludes.

What are the typical items covered under a home warranty?

Cooktops
Built-in microwaves
Refrigerators
Washing machines
Dishwashers
Clothes dryers

Major appliances form the first category of items that home warranties provide coverage for. This includes the following items: Major systems form the second category of covered items. The specific definition of what a "major system" is will differ between different plans. However, most consist of the following:

HVAC
Plumbing
Water heater
Central vacuum
Electrical

What items are typically not covered under a home warranty?

As with many other service contracts, home warranties won't cover certain appliances or components. These are called exclusions. One thing that home warranties exclude is damage outside normal wear and tear. For example, the warranty company could reject a claim for an AC breakdown if a dirty air filter is the cause. This is because replacing the air filter is a part of routine maintenance.

Cosmetic damage
Rust or corrosion damage
Acts of nature
Preexisting conditions
Improper system or appliance installation
Hazardous waste

Questions to ask home warranty providers in Albuquerque

Before you purchase a home warranty plan, discuss these crucial questions with each provider you're considering.

What items does my policy cover?

Make a list of the appliances and systems you need covered before getting home warranty quotes. This way, you can find a provider that includes them. Some providers separate appliance and system coverage. Many companies also sell optional add-ons, covering things like sump pumps and roof leaks. Consider whether any add-ons fit your situation.

How long is my home warranty good for?

Standard home warranty contracts are valid for 12 months from the coverage effective date, which is usually 30 days after the initial sign-up date. Companies include this 30-day waiting period to prevent customers from filing claims for preexisting conditions. You can get coverage beyond 12 months with a multiyear plan.

What contractors do you work with?

When researching a home warranty company, ask which service contractors it partners with in your area. Many home warranty providers allow you to choose your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Albuquerque to obtain repair approval from the home warranty provider. You can verify a contractor's license by searching the New Mexico Regulation and Licensing Department database.

How does your claims approval process work?

Knowledge of your warranty company's claim process makes all the difference between an approval and a denial. If you're facing a covered issue, you can usually file a claim over the phone or online. While most claims should have a 24 to 48-hour response time, there might be delays if you filed outside standard business hours. After you file your claim, a staff member will review it and connect you with a networked repair service. The contractor's team will schedule a meeting with you to inspect the issue and diagnose the problem. Once the company grants final approval, the contractor can begin the repair work.

Can I transfer my policy to the next owner of my home?

Most home warranty companies allow you to transfer your policy to a new person who moves into the home the policy covers. Generally, transferring a home warranty policy to a new homeowner is free of charge, although some companies charge a transfer fee to offset administrative costs. Some home warranty companies also offer special coverage plans that are easily transferred to prospective buyers. Home sellers acquire these home warranty plans to increase their home's appeal.

Home warranty contract fine print

Before you choose a home warranty, examine its terms and conditions to ensure they're aligned with your needs. As you read through the sample contract, focus on these key details and clauses:

Service call fee: Whenever you file a claim, the warranty company or repair provider will assess a service call fee ranging from $75 to $125.
Coverage limit: Your home warranty's coverage limit is the limit on how much the company pays per claim. A warranty contract could also have other stipulations, like annual coverage limits.
Cancellation: A home warranty contract should include information on how to cancel your policy and get a refund. If you cancel within the initial waiting period before coverage takes effect, many companies will fully refund your annual premium.
Workmanship guarantee: Most workmanship guarantees last for 30 days from a warranty repair, though some companies offer longer guarantee periods. If you have more issues with an appliance that an in-network technician just attempted to fix for you, the home warranty company won't assess an extra service call fee for a new claim.
Exclusions: Be sure to read more about component-specific exclusions in the home warranty company's sample contracts. Some parts of equipment may not be included even if the appliance itself is typically included under the policy.

Facts about Albuquerque

Average High in July

89°F

Albuquerque

83°F

National Average

Average Low in January

27°F

Albuquerque

17°F

National Average

Average Daily Sunlight

80%

Albuquerque

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

Best for Comprehensive Coverage

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

4.5

Our Rating

Extends workmanship guarantee on completed repairs
Provides an upgrade plan
Features unique perks such as appliance color matching

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Albuquerque, New Mexico

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