Written By David Cusick
Last Updated February 2024
Owning a home in El Paso has tons of great benefits, but there are some downsides. Hot summers can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty can offer you the peace of mind you need and shield your savings account from large expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be quite a challenge because of the sheer number of options out there. If you're frustrated with trying to compare them all, keep reading for our guide on the top home warranty companies in El Paso.
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 is 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 that Liberty offers include options for appliance and system coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $75.
To read more, visit our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 is 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 that Choice offers include options for appliance and system coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $85.
To read more, visit our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 is 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 that Select offers include options for appliance and system coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $60.
To read more, visit our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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 is 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 that AHS offers include options for appliance and system coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To read more, visit our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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 is 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 that First American offers include options for appliance and system coverage.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $85.
To read more, visit our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 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 is 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 that Cinch offers include options for appliance and system coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
To read more, visit our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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 is 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 that HSC offers include options for appliance and system coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
To read more, visit our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 reduce the high costs of household repairs. These plans provide financial protection to fix or replace appliances and systems that stop working from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid expensive emergency repairs. The coverage is especially helpful for owners of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and working appliances might not require a home warranty.
Home warranties protect many household systems and appliances. Typical covered appliances include dryers, microwaves, refrigerators, washers, dishwashers, garbage disposals, and others. Covered systems include air conditioning, heating, electrical, and plumbing. Many home warranty plans offer add-on coverage for roof leaks, septic systems, central vacuums, and even locksmiths. It's important for El Paso homeowners to understand 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 due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or improperly using a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
There are multiple home warranty terms to understand before signing an agreement, including:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies, although most plans provide coverage for plumbing, electrical, AC, heating, and appliances. More comprehensive options may also provide protection for extra things such as spas, well pumps, pools, and roof leaks. Look for a provider that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation provides insight into things such as repair timeliness, contractor quality, approval rates, and customer service. Check review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and feedback indicate a provider known for great service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. More extensive networks improve the likelihood of getting qualified contractors to your home promptly. Reach out to possible providers to find out how many contractors they have in El Paso. This helps you understand how long repairs may take in an urgent situation.
Home warranty companies might offer perks such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These add value beyond just repair coverage. Added perks can maximize the usefulness of your home warranty.
El Paso’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, saving you from spending a lot of money out of pocket.
In addition to saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair problems you may come across. Additionally, having a home warranty can help make your house more appealing to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you’ve been receiving.
As for the drawbacks of home warranties, coverage varies by company, so it’s important to review what each policy covers and excludes in the contract.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won’t cover systems or appliances that have been damaged due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty plan costs, on average, about $300 to $600 a year in El Paso. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects an entire home from natural disasters, which can be a concern in El Paso. It doesn't cover a normal appliance or system breakage.
Homebuyers, real estate agents, homeowners, landlords, and home sellers are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
A home warranty can cover your home’s systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying 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 home value is $214,055, having the seller pay for the home warranty can save you some money on your new home.