Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home in El Paso has many great benefits, but there are some negatives. Hot summers can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty in El Paso can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Finding the best home warranty on the market can be overwhelming, since there are so many companies to decide between. That’s why the Today's Homeowner team did the research and compiled a list of the best home warranty companies in El Paso for you.
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
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for El Paso residents. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easy to comprehend and offer a mix of both system and appliance coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 for each covered system or appliance.
Read our full review of Liberty Home Guard to learn more. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
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
Choice Home Warranty offers the best overall home warranty for El Paso residents. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easy to comprehend and offer a mix of both system and appliance coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered system or appliance.
Read our full review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
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 El Paso residents. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easy to comprehend and offer a mix of both system and appliance coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 for each covered system or appliance.
Read our full review of Select Home Warranty to learn more. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
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 offers the most customizable home warranty for El Paso residents. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to comprehend and offer a mix of both system and appliance coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered system or appliance.
Read our full review of American Home Shield to learn more. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage for El Paso residents. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The 2 plans from First American are easy to comprehend and offer a mix of both system and appliance coverage.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered system or appliance.
Read our full review of First American Home Warranty to learn more. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
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
Cinch Home Services offers the home warranty with the best workmanship guarantee for El Paso residents. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easy to comprehend and offer a mix of both system and appliance 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 for each covered system or appliance.
Read our full review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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 offers the best home warranty with the quickest service for El Paso residents. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easy to comprehend and offer a mix of both system and appliance coverage.
The 2 plans from The Home Service Club are 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 system or appliance.
Read our full review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $5,936 |
| Heating | $3,957 |
| Electrical | $594 |
| Toilets | $495 |
| Washer/Dryer | $791 |
| Plumbing | $594 |
| Oven | $1,583 |
| Fridge | $594 |
A home warranty is a protection plan that helps El Paso homeowners cut the high costs of household repairs. These plans offer financial coverage to repair or swap out appliances and systems that break down from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are the most useful for older houses or those with aging systems. New homes with up-to-date appliances might not need a home warranty.
Home warranties cover your household systems and appliances. Common covered appliances include microwaves, dishwashers, garbage disposals, washers, refrigerators, dryers, and more. Protected systems include electrical, air conditioning, heating, and plumbing. Many home warranty plans offer extra coverage for septic systems, central vacuums, roof leaks, and even locksmiths. El Paso should understand that most home warranty plans have a waiting period of 30 days before repair claims will be approved. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage varies, although most plans cover plumbing, electrical, AC, heating, and appliances. More inclusive plans may also include extra things such as well pumps, pools, roof leaks, and spas. Look for providers with an array of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per repair request filed. The per-request costs can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's reputation gives you insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Complimentary ratings and reviews indicate a company known for stellar service.
Home warranty companies have networks of local professionals to handle repairs in your area. Reach out to potential providers to ask how many repair professionals they have in El Paso and get an idea for how quickly your repairs might happen in an emergency situation. More extensive networks improve the chances of getting qualified contractors to quickly service your home.
Certain home warranty companies provide extras such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These can offer extra value beyond repair coverage. Extra perks enhance your home and help maximize your home warranty.
Home warranty policies are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in El Paso hitting an average high of 76℃F, you may find that certain appliances, like your air conditioning unit, get a lot of use. A home warranty can significantly decrease out-of-pocket expenses should your HVAC system stop working.
Additionally, having a home warranty can save you time by removing the need to research technicians — most companies will send a trusted professional right to your door to carry out the necessary repair or replacement. Another added benefit of having a home warranty plan is that it can raise your home’s real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
Home warranties also have some drawbacks. Though it can save you time when the home warranty sends out a repair person who handles the repair for you, some may not like this, and they may want to select their own contractor. If that’s important to you, some home warranty companies let you choose a contractor.
Another pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your claims being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty plan costs, on average, around $300 to $600 a year in El Paso. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover issues with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different insurance that protects the entire home from natural disasters, which can be a concern in El Paso. It doesn't cover a normal appliance or system damage.
A home warranty can help homeowners, investors, home sellers, real estate agents, and homebuyers. It can provide peace of mind and savings to anyone involved with homeownership.
The different types of home warranties in El Paso include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the contract.
Home warranty plans typically offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
In general, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In El Paso, where the median value of a home is $214,055, having the seller pay for the home warranty can be a good asset for your new home.
