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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

New Mexico is known for its desert heat, and reliable household appliances and systems are critical to surviving these extreme temperatures. In the event something breaks down, a home warranty can cut back on the cost of repair and replacement.

We understand that choosing the right plan can be daunting. That's why we've taken the time to research and compare the top home warranty companies in Rio Rancho, New Mexico.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • 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

7 Best Home Warranty Companies in Rio Rancho

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • 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

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
First American Home Warranty Logo
Best Appliance Coverage

First American Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • 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

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers

39 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Rio Rancho

  • Average Max Temperature:
    64°F
  • Average Min Temperature:
    45°F
  • Average Annual Snowfall:
    8.3”
  • Homeownership Rate:
    71%
  • Median Home Size:
    2,356 sqft
  • Median Home Price:
    $328,947

Are Home Warranties Worth It for Rio Rancho Residents?

Home warranties are worthwhile for Rio Rancho residents. Rio Rancho summers can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.

Rio Rancho has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.

Even the infrequent rain in Rio Rancho can damage your roof. The financial burden of this will be lessened if you have a home warranty with roof-leak coverage.

Lastly, home warranties connect you with reliable service providers. Reputable home warranty companies vet each service provider they work with. If life keeps you busy, investing in a home warranty ensures you have access to trustworthy technicians.

What To Consider Before Choosing a Home Warranty Company

These key factors can help you determine the best home warranty plan for your needs.

Cost

We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of between $65–$125 each time you file a claim. Basic home warranty plans generally cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.

Coverage

Determine the appliances and systems you use the most. Most home warranty providers offer custom coverage tailored to your needs. If you only want coverage for select systems, such as your air conditioner, most providers offer systems-only plans. The same is true if you only want coverage for certain appliances. Here is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Coverage limits are also important. Choosing a plan with higher coverage caps makes more sense for homes with older systems or appliances. Our research indicates that companies with higher coverage caps tend to charge higher premiums.

Exclusions

Home warranties typically only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover cosmetic issues or appliance components, theft, defects, or routine maintenance. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to make sure you understand the terms and conditions of your plan.

Provider Reputation

You should also consider a provider's reputation. You can also find real customer reviews on sites like Trustpilot, Best Company, and Google Reviews. Ratings and reviews can show you how a company handles claims and customer service. Check with the New Mexico Attorney General's Consumer and Environmental Protection Division to verify the status of a provider's state license.

Contractor Network

Consider a home warranty company's network of service providers. Be sure to ask your company how and where it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. If you can, use a provider that mentions service contractors you're familiar with. Those residing in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so you'll need the option to source your own.

Frequently Asked Questions about Home Warranty in Rio Rancho

More Home Warranty Resources

Sources

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

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