Editorial note: Homefront (defined in the Disclosure below) may earn a commission from affiliate partner links featured on our site. This commission does not influence our editors' opinions or evaluations.
Our editorial team is committed to creating independent and objective content focused on helping our readers make informed decisions. To help support these efforts we receive compensation from companies that advertise with us.
The compensation we receive from these companies may impact how and where products appear on this site. This compensation does not influence the recommendations or advice our editorial team provides within our content. We do not include all companies, products or offers that may be available.
Jesus Sanchez GarciaHome improvement writer
Jesus Sanchez Garcia is a senior writer for USA TODAY Homefront. His expertise focuses on home ...
Updated Jun 22, 2024
Get a quote from our top provider, Liberty Home Guard
We've ranked the top 6 home warranty companies that operate within 50 miles of Garden City. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.
A home warranty provides financial protection if an appliance or major home system suddenly breaks down. For a monthly fee, the warranty company covers repair and replacement costs for items such as refrigerators and HVAC units when they break down from normal wear.
Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically last just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today go kaput after about 20 years.
If your Garden City house contains any aging dishwashers, furnaces or other appliances, you'll likely face a surprise breakdown. These best home warranty providers offer robust coverage at reasonable prices.
Appliance malfunctions due to normal wear and tear aren't covered under homeowners insurance, so having a home warranty can give you an additional buffer against the unexpected. We've done the research to determine what home warranty firms have the best major appliance and system coverage.
Here's our list of the best home warranty companies in Garden City:
Average monthly costs: $22.00 - $80.00
2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.
What we like
What we don't like
Plan Name
Simply HVAC
Service Fee
$65 - $100
Monthly Cost
$50 - $39
Items covered
Air conditioning, Heat pump, Heating system, Thermostat.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, HVAC surplus, Garage door opener, Additional refrigerator, Additional wine cooler, Additional freestanding freezer, Additional wet bar refrigerator, Pool, Septic system, Well pump, Water softener, Extended pipe leak, Preseason HVAC tune-up.
Plan Name
Simply Kitchen
Service Fee
$65 - $100
Monthly Cost
$31 - $22
Items covered
Built-in microwave, Cooktop, Dishwasher, Oven, Range, Refrigerator with ice maker/crusher.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, HVAC surplus, Garage door opener, Additional refrigerator, Additional wine cooler, Additional freestanding freezer, Additional wet bar refrigerator, Pool, Septic system, Well pump, Water softener, Extended pipe leak, Preseason HVAC tune-up.
Plan Name
Essential Home
Service Fee
$65 - $100
Monthly Cost
$61 - $51
Items covered
Air conditioning, Heat pump, Heating system, Thermostat, Built-in microwave, Cooktop, Dishwasher, Oven, Range, Refrigerator with ice maker/crusher.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, HVAC surplus, Garage door opener, Additional refrigerator, Additional wine cooler, Additional freestanding freezer, Additional wet bar refrigerator, Pool, Septic system, Well pump, Water softener, Extended pipe leak, Preseason HVAC tune-up.
Plan Name
Complete Home
Service Fee
$65 - $100
Monthly Cost
$60 - $51
Items covered
Air conditioning, Heat pump, Heating system, Thermostat, Drain line stoppages, Plumbing system, Plumbing valves, Sump pump, Toilets, Water heater, Doorbells, Electrical systems, Built-in microwave, Cooktop, Dishwasher, Oven, Range, Refrigerator with ice maker/crusher.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, HVAC surplus, Garage door opener, Additional refrigerator, Additional wine cooler, Additional freestanding freezer, Additional wet bar refrigerator, Pool, Septic system, Well pump, Water softener, Extended pipe leak, Preseason HVAC tune-up.
Plan Name
Pinnacle Home
Service Fee
$65 - $100
Monthly Cost
$80 - $71
Items covered
Air conditioning, Heat pump, Heating system, Thermostat, Drain line stoppages, Hose bibs, Plumbing system, Plumbing valves, Polybutylene and PEX plumbing systems, Sump pump, Toilets, Water heater, Attic and bathroom exhaust fans, Burglar and fire alarms, Doorbells, Electrical systems, Built-in microwave, Cooktop, Dishwasher, Oven, Range, Refrigerator with ice maker/crusher.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, HVAC surplus, Garage door opener, Additional refrigerator, Additional wine cooler, Additional freestanding freezer, Additional wet bar refrigerator, Pool, Septic system, Well pump, Water softener, Extended pipe leak, Preseason HVAC tune-up.
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
What we don't like
Plan Name
Appliance Guard
Service Fee
$65 - $125
Monthly Cost
$49
Items covered
Built-in microwave ovens, Ceiling and exhaust fans, Clothes dryer, Clothes washer, Dishwashers, Garbage disposals, Garage door openers, Ranges/ovens/cooktops, Refrigerator with ice maker and display.
Add-on items
Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof leak, Pest control, Plumbing fixtures, Pool and spa, Power washing (exterior floor0, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series standalone freezer, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, TV mounting (up to 65 in), TV mounting (up to 85 in), Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge.
Plan Name
Systems Guard
Service Fee
$65 - $125
Monthly Cost
$54
Items covered
Air conditioning, Ductwork, Heating, Electrical, Plumbing, Water heaters.
Add-on items
Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof leak, Pest control, Plumbing fixtures, Pool and spa, Power washing (exterior floor0, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series standalone freezer, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, TV mounting (up to 65 in), TV mounting (up to 85 in), Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge.
Plan Name
Total Home Guard
Service Fee
$65 - $125
Monthly Cost
$59
Items covered
Air conditioning, Ductwork, Heating, Electrical, Plumbing, Water heaters, Built-in microwave ovens, Ceiling and exhaust fans, Clothes dryer, Clothes washer, Dishwashers, Garbage disposals, Garage door openers, Ranges/ovens/cooktops, Refrigerator with ice maker and display.
Add-on items
Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof leak, Pest control, Plumbing fixtures, Pool and spa, Power washing (exterior floor0, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series standalone freezer, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, TV mounting (up to 65 in), TV mounting (up to 85 in), Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge.
Average monthly costs: $48.98 - $59.99
Elite Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.
What we like
What we don't like
Plan Name
Elite Appliances
Service Fee
$70
Monthly Cost
$48
Items covered
Built-in microwave, Ceiling fans, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Oven, Range, Refrigerator, ice maker, and water dispenser.
Add-on items
annual maintenance, attic exhaust fan, central vacuum, effluent pump, ejector pump, freestanding freezer, freestanding icemaker, freestanding spa equipment, generator, geothermal heating and cooling system, grinder pump, guest house, jetted hot tub, lawn sprinkler system, lift pump, limited roof-leak repair, pool and spa equipment, pool equipment, premium appliances, premium benefits, premium systems, premium systems plus, service line, septic system, sump pump, swamp cooler, water filtration system, water softener, well pump, wine cooler.
Plan Name
Elite Systems
Service Fee
$70
Monthly Cost
$54
Items covered
Electrical system, Garage door opener, Air conditioning system, Heating system, Plumbing fixtures, Plumbing stoppages, Plumbing system, Water heater.
Add-on items
annual maintenance, attic exhaust fan, central vacuum, effluent pump, ejector pump, freestanding freezer, freestanding icemaker, freestanding spa equipment, generator, geothermal heating and cooling system, grinder pump, guest house, jetted hot tub, lawn sprinkler system, lift pump, limited roof-leak repair, pool and spa equipment, pool equipment, premium appliances, premium benefits, premium systems, premium systems plus, service line, septic system, sump pump, swamp cooler, water filtration system, water softener, well pump, wine cooler.
Plan Name
Elite Complete
Service Fee
$70
Monthly Cost
$59
Items covered
Built-in microwave, Ceiling fans, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Oven, Range, Refrigerator, ice maker, and water dispenser, Electrical system, Garage door opener, Air conditioning system, Heating system, Plumbing fixtures, Plumbing stoppages, Plumbing system, Water heater.
Add-on items
annual maintenance, attic exhaust fan, central vacuum, effluent pump, ejector pump, freestanding freezer, freestanding icemaker, freestanding spa equipment, generator, geothermal heating and cooling system, grinder pump, guest house, jetted hot tub, lawn sprinkler system, lift pump, limited roof-leak repair, pool and spa equipment, pool equipment, premium appliances, premium benefits, premium systems, premium systems plus, service line, septic system, sump pump, swamp cooler, water filtration system, water softener, well pump, wine cooler.
Plan Name
Customize Your Own
Service Fee
$70
Monthly Cost
Varies
Add-on items
annual maintenance, attic exhaust fan, central vacuum, effluent pump, ejector pump, freestanding freezer, freestanding icemaker, freestanding spa equipment, generator, geothermal heating and cooling system, grinder pump, guest house, jetted hot tub, lawn sprinkler system, lift pump, limited roof-leak repair, pool and spa equipment, pool equipment, premium appliances, premium benefits, premium systems, premium systems plus, service line, septic system, sump pump, swamp cooler, water filtration system, water softener, well pump, wine cooler.
Average monthly costs: $29.99 - $89.99
American Home Shield was one of the first home warranty companies, having been in business since 1971. It provides three base plans and six add-ons.
What we like
What we don't like
Plan Name
ShieldSilver
Service Fee
$125 - $100
Monthly Cost
$29 - $39
Items covered
Air conditioners, Built-in exhaust/vent/attic fans, Ceiling fans, Doorbells and chimes, Ductwork, Faucets and valves, Garage-door openers, Heating units, Interior electrical lines, Interior plumbing lines, Main breaker and fuse panel box, Toilets, Water heaters, Whirlpool tub motor and components.
Add-on items
Electronics Protection Plan (not available in CA. Provided by Allstate Protection Plans), Pool, Spa, Guest Unit, Septic Pump, Well Pump.
Plan Name
ShieldGold
Service Fee
$125 - $100
Monthly Cost
$49 - $59
Items covered
Air conditioners, Built-in exhaust/vent/attic fans, Built-in microwave ovens, Ceiling fans, Clothes dryers, Clothes washers, Dishwashers, Doorbells and chimes, Ductwork, Faucets and valves, Garage-door openers, Garbage disposals, Heating units, Instant hot/cold water dispensers, Interior electrical lines, Interior plumbing lines, Main breaker and fuse panel box, Ranges/cooktops, Refrigerators, Ovens, Toilets, Water heaters, Whirlpool tub motor and components.
Add-on items
Electronics Protection Plan (not available in CA. Provided by Allstate Protection Plans), Pool, Spa, Guest Unit, Septic Pump, Well Pump.
Plan Name
ShieldPlatinum
Service Fee
$125 - $100
Monthly Cost
$79 - $89
Items covered
Air conditioners, Built-in exhaust/vent/attic fans, Built-in microwave ovens, Ceiling fans, Clothes dryers, Clothes washers, Dishwashers, Doorbells and chimes, Ductwork, Faucets and valves, Garage-door openers, Garbage disposals, Heating units, Instant hot/cold water dispensers, Interior electrical lines, Interior plumbing lines, Main breaker and fuse panel box, Ranges/cooktops, Refrigerators, Roof-leak repairs, Ovens, Toilets, Water heaters, Whirlpool tub motor and components.
Add-on items
Electronics Protection Plan (not available in CA. Provided by Allstate Protection Plans), Pool, Spa, Guest Unit, Septic Pump, Well Pump.
Average monthly costs: $38.99 - $66.99
Cinch is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.
What we like
What we don't like
Plan Name
Appliances Plan
Service Fee
$150 - $100
Monthly Cost
$38 - $48
Items covered
Clothes dryer, Clothes washer, Cooktop, Dishwasher, Freestanding ice maker, Microwave (built-in), Range, Range exhaust hood, Refrigerators, Trash compactor (built-in), Wall oven, Air conditioner or refrigerator filter credit, Food center (built-in).
Add-on items
Pool (Heater Included), Spa (Heater Included), Pool with Spa (Heater Included), Septic Tank/Pumping, Well Pump, Premier Upgrade Package.
Plan Name
Built-in Systems Plan
Service Fee
$150 - $100
Monthly Cost
$43 - $55
Items covered
Air conditioning, including ductwork, Central vacuum, Doorbell, Heating system, including ductwork, Attic fans, Ceiling fans, Electrical system, Garage door openers, Smoke detectors, Plumbing system, Sump pump, Toilets, Water heater, Whirlpool/jetted tub (built-in), Air conditioner or refrigerator filter credit, Garbage disposal, Instant hot/cold water dispenser.
Add-on items
Pool (Heater Included), Spa (Heater Included), Pool with Spa (Heater Included), Septic Tank/Pumping, Well Pump, Premier Upgrade Package.
Plan Name
Complete Home Plan
Service Fee
$150 - $100
Monthly Cost
$54 - $66
Items covered
Air conditioning, including ductwork, Central vacuum, Doorbell, Heating system, including ductwork, Attic fans, Ceiling fans, Electrical system, Garage door openers, Smoke detectors, Plumbing system, Sump pump, Toilets, Water heater, Whirlpool/jetted tub (built-in), Clothes dryer, Clothes washer, Cooktop, Dishwasher, Freestanding ice maker, Microwave (built-in), Range, Range exhaust hood, Refrigerators, Trash compactor (built-in), Wall oven, Air conditioner or refrigerator filter credit, Food center (built-in), Homeowners insurance deductible reimbursement, Garbage disposal, Instant hot/cold water dispenser.
Add-on items
Pool (Heater Included), Spa (Heater Included), Pool with Spa (Heater Included), Septic Tank/Pumping, Well Pump, Premier Upgrade Package.
Average monthly costs: $44.42 - $47.75
Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.
What we like
What we don't like
Plan Name
Bronze Care Plan
Service Fee
$75
Monthly Cost
$44
Items covered
Built-in microwave, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Refrigerator, Stove/oven.
Add-on items
Central vacuum, Lawn sprinkler system, Pool, Roof leak, Septic system, Spa, Stand-alone freezer, Sump pump, Well pump.
Plan Name
Gold Care Plan
Service Fee
$75
Monthly Cost
$44
Items covered
AC/cooling, Ductwork, Heating system, Plumbing system, Water heater, Electrical system.
Add-on items
Central vacuum, Lawn sprinkler system, Pool, Roof leak, Septic system, Spa, Stand-alone freezer, Sump pump, Well pump.
Plan Name
Platinum Care Plan
Service Fee
$75
Monthly Cost
$47
Items covered
AC/cooling, Ductwork, Heating system, Plumbing stoppages, Plumbing system, Water heater, Ceiling fan, Electrical system, Garage-door openers, Built-in microwave, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Refrigerator, Stove/oven.
Add-on items
Central vacuum, Lawn sprinkler system, Pool, Roof leak, Septic system, Spa, Stand-alone freezer, Sump pump, Well pump.
The typical monthly cost of a home warranty in Garden City ranges from $41 to $70, in line with the national average. If you're paying on an annual basis, expect to spend roughly $563.62–$927.48 per year. To calculate national cost data, we requested hundreds of quotes for 2,000-square-foot, single-family homes across each state that the providers service.
Home warranties provide coverage for various appliances and major systems, but they're not a substitute for homeowners insurance. Below, we'll summarize what coverage a warranty typically includes and excludes.
The first category of items a home warranty protects is kitchen items and outdoor appliances. This includes the following: Major systems form the second category of covered items. The specific definition of what a "major system" is will vary between different plans. However, most include the following:
Home warranties, like most service contracts, have coverage exclusions. A common exclusion is breakdowns caused by damage outside normal wear and tear. For example, home warranties will likely not cover an air conditioner breakdown caused by a dirty air filter. This is because replacing the filter is part of routine maintenance.
Ask each home warranty provider these questions before you purchase a plan.
Make a list of the appliances and systems you need covered before getting home warranty quotes. This way, you can seek out a provider that includes them. Some providers separate appliance and system coverage. Also, many home warranty companies offer optional coverage, such as for septic tank pumping or spas. Consider purchasing add-ons if you need protection for specific items.
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 have this 30-day waiting period to prevent customers from filing claims for preexisting conditions. Purchasing a multiyear plan extends protection beyond the standard 12-month term.
Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If your area has no in-network contractors nearby, the warranty company may let you choose your own. You can verify a contractor's license by searching your local or county government database.
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 via a phone hotline 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. Once you submit your claim, the warranty company will review it and connect you to an in-network service contractor. The contractor will arrange a visit to diagnose the problem, and then get final approval from the warranty company for any required repair work.
If you're selling your home, you may be able to transfer your policy to the new homeowner. Some companies will handle the transfer for free, while others levy a transfer fee. Home warranty coverage can be reassuring to new homebuyers. Some companies offer sellers special coverage plans that are readily transferable to buyers.
Before you choose a home warranty, carefully read its terms and conditions to ensure they're compatible with your needs. As you read through the sample contract, pay attention to these key details and clauses:
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.
We ranked the best home warranties based on coverage options, cost, reputation and additional features. 2-10 Home Buyers Warranty scored the highest.
foundationMay 22
Become familiar with your manufacturer's warranty and builder's warranty to determine whether you need a home warranty for new construction.
home warrantyApr. 25
We surveyed 1,000 homeowners to calculate a national average home warranty cost of $94 per month or $1,033 per year.
home warrantyMay 20
A home warranty pays for fixing or swapping out your home’s systems and appliances when they fail. Learn more about how a home warranty works in our guide.
home warrantyApr. 22
This guide on how to buy a home warranty focuses on key factors such as coverage, price and provider reputation.
home warrantyApr. 30