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Last Updated: February 25, 2025
As much as you may love homeownership in Montclair, there's always that fear about whether your appliances and systems are going to hold up during the next few years. A home warranty is a way to protect your savings account from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
The home warranty market has a lot of providers — all with different coverage — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Montclair.
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
In Montclair, Choice Home Warranty offers the best overall home warranty. Choice has 2 simple plans, making the selection process quick and easy. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $85.
For a more detailed breakdown, read our comprehensive review of Choice Home Warranty. To get 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
In Montclair, Select Home Warranty offers the most cost-effective home warranty. Select has 3 simple plans, making the selection process quick and easy. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $60.
For a more detailed breakdown, read our comprehensive review of Select Home Warranty. To get 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
In Montclair, American Home Shield offers the most customizable home warranty. AHS has 3 simple plans, making the selection process quick and easy. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our comprehensive review of American Home Shield. To get 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
In Montclair, First American Home Warranty offers the best home warranty for appliance coverage. First American has 2 simple plans, making the selection process quick and easy. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. Plus, it 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.
First American Home Warranty has 2 plans that provide a mix of appliance and system coverage. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $85.
For a more detailed breakdown, read our comprehensive review of First American Home Warranty. To get 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
In Montclair, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process quick and easy. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a mix of appliance and system coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our comprehensive review of Cinch Home Services. To get 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
In Montclair, The Home Service Club offers the best home warranty with the quickest service. HSC has 2 simple plans, making the selection process quick and easy. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
For a more detailed breakdown, read our comprehensive review of The Home Service Club. To get 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 | $6,617 |
| Heating | $4,412 |
| Electrical | $662 |
| Toilets | $551 |
| Washer/Dryer | $882 |
| Plumbing | $662 |
| Oven | $1,765 |
| Fridge | $662 |
A home warranty is a protection plan that helps cut costs for Montclair homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that break due to normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with outdated systems. Newer homes with modern appliances probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include dryers, refrigerators, dishwashers, washers, microwaves, garbage disposals, and more. Covered systems are typically electrical, air conditioning, plumbing, and heating. Many home warranty companies offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Montclair homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before signing a home warranty contract, you should understand key terms like:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage varies, although most plans provide coverage for heating, electrical, AC, plumbing, and appliances. More extensive plans may also include other things such as well pumps, spas, roof leaks, and pools. Look for a company that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a provider with lower service fees to maximize savings on every claim. Some providers also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty providers have networks of contractors that they use to tackle covered repairs. Wider networks raise the probability of getting qualified contractors to your home swiftly. Contact possible providers to ask how many technicians they have in Montclair. This helps you understand how long repairs might take in an urgent situation.
Some home warranty providers may include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These can offer extra value beyond just repair coverage. Added bonuses allow you to enhance your home and get the most from your warranty policy.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Montclair hitting an average high of 77℃F, you may find that some appliances, such as your air conditioning system, get a lot of use. A home warranty can remarkably bring down out-of-pocket expenses should your HVAC system stop working.
Plus, having a home warranty can save you some time by eliminating the need to research repair people — most providers will send a trusted professional right to your door to carry out the 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 have your home warranty with.
As for the downsides of home warranties, system and appliance coverage varies by provider, so it’s important to understand what each plan covers and excludes in the contract.
Another thing to take into consideration is that some providers don’t cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you need more information or if this is a problem for you.
A home warranty in Montclair can cost anywhere from $30 to $60 a month. Higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some companies will also decrease your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your entire home in case of a situation such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim should you need a new refrigerator or stove, unless the damage is due to a natural disaster, which isn't that common in Montclair.
A home warranty can help homebuyers, investors, real estate agents, home sellers, and homeowners. It can provide peace of mind and savings to anyone involved with homeownership.
The different kinds of home warranties in Montclair include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers your systems and appliances, including your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the specific items mentioned in the contract.
Home warranty plans typically last a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Generally, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Montclair, where the median home value is $620,594, having the seller pay for the home warranty can save you some money on your new home.
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