American Home Shield is our pick for the best home warranty company in New Mexico because of its comprehensive coverage and industry reputation. We also recommend Choice Home Warranty for its affordable options and solid coverage limits.
Given the state’s diverse climate, New Mexico homeowners can benefit from a home warranty. Weather conditions such as extreme heat can cause wear and tear on HVAC systems and plumbing, and a home warranty offers financial protection in case a major system or appliance unexpectedly breaks down. Discover our top-rated home warranty providers for New Mexico homeowners and explore other highly rated providers to find the best coverage for your needs.
Key Takeaways
- Based on our research of 13 home warranty providers, we chose American Home Shield as the best home warranty company in New Mexico.
- A New Mexico home warranty costs $63–$89 per month, or $750–1,042 annually, depending on your plan and coverage.
- According to our 2025 national home warranty survey, 58% of plan holders said coverage was the most important feature, compared to 25% of respondents who prioritized pricing.
Top 5 Home Warranty Companies in New Mexico
When choosing the best home warranty companies in New Mexico, we took an in-depth look at plan specifics, pricing, unique benefits, and more. The highest-rated New Mexico home warranty companies are the following:
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Summary of the Best Home Warranty Companies in New Mexico
The table below compares our top New Mexico home warranty providers based on key factors, including national average monthly costs and Better Business Bureau (BBB) ratings. This comparison can help New Mexico homeowners make informed decisions by evaluating the most critical elements of each provider’s service.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
B | $36–$100 | $100–$125 | ||
B | $60–$68 | $100 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $77–$130 | $100–$125 | ||
B | $44–$82 | $75–$125 |
Notes: The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of April 2025.
Your pricing may vary depending on your home’s location, size, type, and plan selections.
Reviews of the Best Home Warranties in New Mexico
American Home Shield
American Home Shield (AHS) is a reputable provider for home warranty coverage in New Mexico. AHS provides a number of plans and customizability. Not only does American Home Shield have three standard coverage plans, but it offers add-on coverage and allows homeowners to choose their service fee.
Why We Chose American Home Shield
We consider American Home Shield best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. It covers several things other companies don’t, such as rust damage and improper installations.
We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per covered item in the ShieldPlatinum plan.
AHS coverage plans provide extensive coverage; even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.
Pros and Cons
Pros
- Offers coverage for improperly installed or maintained items
- Pairs each plan with generous coverage caps
- Includes guest house add-on coverage
Cons
- Charges higher monthly premiums compared to other providers
- Offers minimal 30-day workmanship guarantee
Plans and Pricing
American Home Shield has three plan options to choose from: ShieldPlatinum, ShieldGold, and ShieldSilver. The ShieldSilver covers a variety of home systems, such as air conditioning and heating systems. The ShieldGold combines system and major appliance coverage, and the ShieldPlatinum adds a higher coverage cap per covered item, roof-leak repair, and a free HVAC system tune-up.
AHS allows you to pull a quote by calling a representative or using its online tool. When we used AHS’s quote tool, it allowed us to choose a service call fee of $100 or $125. AHS states that a higher service call fee will result in a lower monthly premium and vice versa. All AHS plans come with a 30-day workmanship guarantee.
While pulling our quote, we discovered that AHS only offers monthly premium options. It doesn’t include an annual premium like other providers on this list.
Here are details on each of American Home Shield’s plans:
- ShieldSilver ($57 per month): Covers home systems, such as heating, cooling, and electrical
- ShieldGold ($77 per month): Covers systems and appliances, such as built-in microwaves, dishwashers, and water heaters
- ShieldPlatinum ($107 per month): Covers systems and appliances and adds additional benefits, such as $1,500 for roof-leak repairs
- Optional add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps. Based on the quote we pulled, we found that AHS offers competitively priced add-ons. For example, septic pump coverage costs an extra $5 per month.
Choice Home Warranty
Choice Home Warranty is a good option for homeowners needing an affordable home warranty. Choice offers basic coverage for key systems and appliances for less than $75 per month, more affordable than many of our reviewed providers.
Why We Chose Choice Home Warranty
Along with its affordable coverage, the company offers consistent $3,000 limits for covered items, providing ample protection for most major systems and appliances. This gives homeowners adequate support without sacrificing quality or coverage limits.
Plans also include a 90-day guarantee on parts and 60 days for labor. Many providers have a shorter 30-day guarantee, which is the industry standard. This longer guarantee offers added peace of mind, giving homeowners more time to address any issues that may arise after repairs are completed.
Pros and Cons
Pros
- Includes basic home warranty protection for less than many competitors
- Offers $3,000 limits for most items, including air conditioning
- Provides a 90-day guarantee for parts and 60 days for labor
Cons
- Excludes air conditioning coverage from its lowest plan
- Involved in an ongoing legal case with the Attorney General
Plans and Pricing
Customers can choose from two standard plan options: the Basic Plan and the Total Plan. Both plans generally cover systems and appliances but vary based on included items. The Basic Plan covers items such as your garbage disposal, ranges/ovens/cooktops, and dishwashers. The Total Plan extends the Basic Plan protection to include air conditioning units, clothes washers, clothes dryers, and refrigerators.
Choice charges a single $100 service call fee for its repairs. Many competitors offer two or three options to let homeowners customize their costs. Choice offers annual and monthly payment options, but does charge an added $2.50 fee for monthly payments
Here are details on Choice’s plans and optional add-on coverage:
- Basic Plan ($64 per month): Covers 14 systems and home appliances, such as dishwashers, ceiling and exhaust fans, and plumbing systems
- Total Plan ($73 per month): Covers 18 items, such as air conditioning, heating, ductwork, and water heaters
- Optional add-ons: Up to 10 options are available, including standalone freezers, septic systems, and central vacuums
Elite Home Warranty
We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee—a lower rate than many providers—and 30 add-on options.
Pros and Cons
Pros
- Includes a 90-day workmanship guarantee for completed repairs
- Offers higher coverage limits for high-end appliances
- Rolls your service call fee into your annual premium, avoiding a per-claim charge
Cons
- Charges a higher service call fee for high-end appliance repairs
- Excludes workmanship guarantee on repairs done with an out-of-network technicianRequires you to call for a quote
Plans and Cost
When reading through the Elite Home Warranty sample contract, we learned the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 limit for appliances and $8,000 for systems, which is a higher than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.
We recommend reading through the sample contract or getting a quote for full details on coverage caps.
Below are the details of Elite’s coverage plans:
- Elite Appliances ($45 per month): The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit.
- Elite Systems ($50 per month): This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.
- Elite Complete ($60 per month): The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection.
The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.
Elite offers 30 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term.
We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:
- Annual maintenance
- Drainage, sewer, and water service lines
- Pool and spa equipment
- Geothermal heating and cooling systems
- Guest house
- Septic system
First American Home Warranty
First American Home Warranty is another top-rated home warranty company that provides extensive coverage for customers. One of its most valuable features is its First Class Upgrade that covers systems and appliances even if they’ve been improperly installed, modified, or maintained.
Why We Chose First American Home Warranty
If you own high-end appliances, First American is a solid choice due to its high appliance coverage caps. After reading its sample contract, we found First American pairs each appliance with a $3,500 limit in the Starter and Essential plans, which is higher than other providers. Its Essential and Premium plans offer the First American Advantage upgrade, which protects systems and improperly maintained, modified, or installed appliances—a rarity in the home warranty business.
Pros and Cons
Pros
- Covers systems and appliances regardless of age
- Offers coverage without requiring a home inspection
- Has a 90-day repair guarantee
Cons
- Doesn’t offer discount for annual plan billing
- Doesn’t allow customers to build their own plan
Plans and Pricing
First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. It offers customers the choice of a $100, or $125 service call fee. The provider sets the coverage limit for appliances at $3,500 per item in its Starter and Essential plans and increases coverage limits to $7,000 per covered appliance in its Premium Plan. Upon speaking with a representative, we discovered the company doesn’t outline hard limits for built-in systems coverage except for water heaters. First American covers all repairs for 30 days.
First American Home Warranty also offers an annual premium. Unlike other providers that offer annual premiums, First American doesn’t include extra months of coverage or a discount if you choose an annual premium. First American provides an online quote tool or a sales phone line to pull a free quote.
Here are more details about First American’s plan coverage:
- Starter Plan ($88 per month): Covers built-in microwaves, dishwashers, ductwork, electrical system, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms
- Essential Plan ($111 per month): Includes everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, First American Advantage upgrade, garage door openers, trash compactors, and water heaters
- Premium Plan ($141 per month): Covers all items in the Essential Plan plus full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units
- Optional add-ons: Additional refrigeration, air conditioning for Starter Plan, HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps. First American offers limited roof-leak coverage for less than $9 per month.
AFC Home Warranty
AFC Home Warranty offers the best technician flexibility among the providers we reviewed in New Mexico. Homeowners can choose their own technician, which is a rare benefit. Most providers only offer this option when in-network technicians are unavailable.
Why We Chose AFC Home Warranty
The company provides a wide selection of plans, offering four options and two service call fee choices for better customization. You also receive a plan length workmanship guarantee, the longest in this review. This extended protection gives homeowners added peace of mind in case repairs fail during their contract term.
Pros and Cons
Pros
- Does not cap coverage limits for HVAC systems
- Extends a plan-length workmanship guarantee for its repairs
- Offers four plans for better coverage customization
Cons
- Includes a depreciation policy that reduces payouts for older items
- Provides lower coverage limits for some items, including plumbing
Plans and Pricing
AFC Home Warranty offers four coverage options. The Silver Plan limits coverage to major appliances, while the Gold, Platinum, and Diamond Plan offer varying system and appliance protections.
After reviewing AFC Home Warranty’s sample contract, we found it provides coverage limits ranging from $150—$3,000 for appliances and $150–$500 for most systems. However, the company doesn’t restrict air conditioning, heating, and water heaters by a coverage cap. This means homeowners can receive full repair or replacement coverage for these critical systems without worrying about hitting a limit, offering more comprehensive protection for essential home components.
AFC Home Warranty offers both monthly and annual premium options, along with the choice of a $75 or $125 service call fee. This flexibility allows homeowners to customize their plan to fit their budget and needs, potentially lowering monthly costs by opting for the higher service call fee.
Here are more details about AFC Home Warranty’s plans:
- Silver Plan (call for a quote): Covers nine appliances, such as clothes washers and dryers, garbage disposals, stoves, and cooktops
- Gold Plan ($44 per month): Includes 15 systems and appliances, such as air conditioning, heating, electrical systems, water heaters, and ductwork
- Platinum Plan ($51 per month): Protects 20 appliances and built-in systems, including plumbing stoppages, faucets, and fans
- Diamond Plan ($82 per month): Includes Platinum Plan coverage, plus electronics, exterior sewer lines, and exterior water lines.
- Optional add-ons: Offers eight add-on options including roof-leak coverage, septic systems, standalone freezers, and sump pumps
How Much Does a Home Warranty Cost in New Mexico?
A home warranty in New Mexico typically costs around $63–$89 per month, or $750–1,042 annually. This is slightly higher than the national average home warranty cost, which generally ranges from $47–$82 per month, or $564–$984 annually. However, New Mexico’s pricing is still within a reasonable range compared to the broader national market.
| Provider | Monthly Cost in New Mexico | Service Fee |
|---|---|---|
| American Home Shield | $57–$107 | $100–$125 |
| Choice Home Warranty | $64–$73 | $100 |
| Elite Home Warranty | $45–$60 | $70 |
| First American Home Warranty | $88–$141 | $100–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
Several factors can affect the final cost of a home warranty, including the plan you choose, service fees, and any additional coverage options. Basic plans are usually less expensive than comprehensive options, and service fees typically range from $75–$150 per claim. Optional add-ons, such as coverage for pools or well pumps, can increase your costs by $4–$20 per month. In addition, location, home size, and age can influence pricing, as can any discounts offered for annual or multi-year plans.
How We Determined Home Warranty Pricing
To better understand home warranty pricing in New Mexico and across the country, we collected nearly 4,000 quotes from 13 companies in all 50 U.S. states. To gather quotes, we used sample addresses for single-family homes under and over 5,000 square feet. In New Mexico, this included properties in Las Cruces, Lamy, Rio Rancho, and Santa Fe, allowing us to reflect both urban and rural homeowner profiles. We then averaged the results to identify state-specific costs and determine a national price range.
Survey Insights from Homeowners Nationwide
To gain insight into customer experiences with home warranties, we surveyed 2,000 policyholders nationwide in 2025. While only five homeowners in New Mexico responded, we still gathered meaningful insights from the broader national data. Coverage mattered more than cost for 58% of homeowners when shopping for a plan, while only 25% said pricing was most important. This aligns with the fact that 74% of respondents said they live in pre-owned homes, and 54% purchased coverage to protect older systems and appliances. Most respondents preferred combined plans that cover both systems and appliances.
Nationwide, heating or furnace systems were the top item homeowners sought coverage for. However, New Mexico respondents were more concerned about air conditioning systems, likely due to the state’s hot and dry climate. For appliances, the most commonly covered items were water heaters and refrigerators. Many homeowners also opted for add-ons to expand their coverage. Popular choices included roof-leak protection, extra appliance coverage, and additional system protection.
While our New Mexico sample was limited, nationwide data suggests that most homeowners have had positive experiences when filing claims. In total, 89% of homeowners have had their claims approved nationwide, and 85% were satisfied or very satisfied with that resolution. Plus, 68% of respondents said they plan to renew their home warranty contract, indicating overall satisfaction with their current provider.
How We Collected Our Survey Data
To understand real homeowner experiences with home warranties, we surveyed 2,000 plan holders across the U.S. in 2025. The survey included responses from all 50 states and focused on key areas such as why homeowners purchased warranties, coverage satisfaction, and claims and customer service experiences. In addition, we examined factors like pricing, add-on coverage choices, and homeowners’ intentions to renew their plans.
How Do Home Warranties Work?
If one of the covered items in your contract breaks down, simply file a claim with your provider either online or over the phone. Once your claim has been approved, a technician will be sent to your home for diagnosis and repair, and you’ll pay the set service fee. The provider usually covers the appliance repair or replacement costs unless they’re more than the coverage cap, in which case the homeowner pays the remaining amount.
How Long Do Home Warranty Contracts Last?
Most home warranties last for a year, and depending on the provider, you can pay the entire cost up-front or split the cost into monthly installments.
Our Conclusion
American Home Shield, and Choice Home Warranty are the best options for New Mexico homeowners. Before signing up for a plan, we recommend getting quotes from at least three home warranty companies for pricing since estimates vary based on where you live and the type of coverage you select.
FAQs About Home Warranties in New Mexico
Do home warranties cover TVs?
A home warranty doesn’t usually provide coverage for electronics, like televisions. However, companies like American Home Shield offer an electronics extended warranty that protects televisions, laptops, computers, and more.
Can you buy a home warranty after something breaks?
You can buy a home warranty after something breaks, most companies won’t cover the breakdown retroactively. The system or appliance in question must be functioning and already installed at the time of a home warranty purchase for coverage to apply. If a covered item breaks down due to normal wear and tear after your plan has kicked in, you can submit a claim for your warranty provider to cover the repair.
Our Rating Methodology
We followed a detailed methodology to evaluate each home warranty company we reviewed. Our research involved talking to company representatives, gathering quotes, analyzing contracts, and conducting focus groups and homeowner surveys. We also conducted secret shopping and tested the claims process for 11 top home warranty companies.
We used the information to score each provider across six key categories when selecting a home warranty. Providers were rated and assigned a point value totaling 100. We then converted the scores into a 5-star rating.
Here’s how we weighed each category:
- Coverage: We assessed the comprehensiveness of each company’s coverage, including unique items. Companies that cover more items with more inclusive coverage limits scored higher, while points were deducted for long waiting periods and depreciation policies that reduced payouts on older items.
- Cost: We compared average monthly prices and service call fees, giving the most points to companies offering competitive pricing without extra fees.
- Trustworthiness: To measure reputation, we reviewed customer feedback on sites like the BBB and Trustpilot and looked for National Home Service Contract Association (NHSCA) membership. Providers with the highest ratings and solid workmanship guarantees received the best scores, with deductions for unresolved legal issues.
- Plan transparency: We examined the clarity of contracts, terms, and disclosures, awarding more points to companies that provide transparent policies.
- Customer support: Companies with accessible support options, quick response times, and multiple ways to file claims scored well in this category.
- Flexibility: We awarded points to providers offering flexible plan choices, a broad range of add-ons, the ability to choose technicians, and convenient cancellation policies.
