Home Warranty

7 best home warranty companies in Roswell, 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 Roswell. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

Companies Selected

Filters

Location

Roswell, NM

Choose a new location

Companies Selected

Home warranties provide a financial buffer to repair 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 essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Roswell home has a dishwasher, furnace or any other everyday appliance within that age range, you will likely experience an unexpected breakdown. The top three home warranty companies listed below provide generous coverage at affordable rates.

Homeowners insurance doesn't cover appliance malfunctions due to normal wear and tear, so having a home warranty can provide you an extra safeguard against surprises. We've done the research to pinpoint what home warranty firms 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

4.4

Our Rating

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

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Roswell

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

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

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

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 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

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 offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

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

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

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 is known for its comprehensive appliance coverage caps. With an Essential or Premium plan that has the First American Advantage upgrade, you could also get coverage for miscellaneous components, including 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 Home Services provides coverage perks other companies don’t, such as a homeowners insurance deductible reimbursement. Like most home warranty companies, Cinch offers flexible service fees that raise or lower your plan 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

Cost of a home warranty in Roswell

The typical monthly cost of a home warranty in Roswell runs from $41 to $70, around the same as 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 warranty coverage

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

What are the typical items covered under a home warranty?

Cooktops
Clothes dryers
Washing machines
Refrigerators
Dishwashers
Built-in microwaves

Major appliances make up the first group of items that a home warranty provides coverage for. This includes the following items: The second category of protected items under a home warranty is major systems. Not every plan covers the same major systems. However, you can find coverage for any of these items:

Central vacuum
Plumbing
Water heater
HVAC
Electrical

What items are typically not covered under a home warranty?

Just like other service contracts, home warranties will not provide coverage for certain items or events. Your contract calls these exclusions. One thing that home warranties don't cover is damage outside of 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.

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

Questions to ask home warranty providers in Roswell

We recommend asking each home warranty provider you're considering the following questions about their plans, terms and policies.

What items are covered by my policy?

First, figure out what items need coverage before requesting a home warranty quote. Some providers separate appliance and system coverage, so verify that the company has plans to meet your particular needs. Companies might also offer additional coverage, like sump pump and spa protection, as add-ons. Consider what supplements you might need and how much they'll add to the cost.

How long is my home warranty good for?

Generally, a home warranty plan lasts for 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies have a 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?

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 the New Mexico Regulation and Licensing Department database.

How does your claims approval process work?

Each company's claims process will differ from the others. If a covered issue strikes, you could file a claim online or over the phone. Most companies try to respond to claims within 24 to 48 hours, though there might be processing delays when filing outside normal working hours. After you file your claim, a staff member will examine your claim and connect you with an in-network repair contractor. 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 proceed with repairs.

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

If you need to move, most home warranty contracts feature a clause allowing you to transfer the policy to the new homeowner. Some companies handle the transfer at no charge, though others levy a transfer fee. Home warranty companies might also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers might opt for these plans to boost their home's appeal in a competitive market.

Home warranty contract fine print

To finalize your research, we recommend reading the home warranty provider’s detailed terms and sample contract prior to purchasing a plan. Knowing the company’s terms and conditions can help you decide if it’s the right one for your needs. It'll also help you be a better advocate for yourself if you need to file a claim. Below are several terms you should look for while reviewing the contract:

Workmanship guarantee: The workmanship guarantee is the time during which the home warranty company will not charge additional service call fees for a repair if an in-network technician has recently serviced the item. The industry standard is 30 days, though some companies offer longer workmanship guarantees.
Service call fee: Whenever you file a claim, the warranty company or repair provider will levy a service call fee ranging from $75 to $125.
Exclusions: Be sure to familiarize yourself with component-specific exclusions in the home warranty company's sample contracts. Some parts of an appliance may not be included even if the appliance itself is usually covered under the policy.
Coverage limit: Each home warranty has a coverage limit that limits how much money the company will pay per claim. There might also be an annual coverage limit or other stipulations.
Cancellation: Companies generally specify how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.

Facts about Roswell

Average High in July

93°F

Roswell

83°F

National Average

Average Low in January

34°F

Roswell

17°F

National Average

Average Daily Sunlight

81%

Roswell

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

4.4

Our Rating

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

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

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 Roswell, New Mexico

Filters