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Last Updated: February 25, 2025
There are a lot of advantages of owning a home, but as your Asbury Park home ages, you may need to factor in the cost of updating your appliances and systems. A home warranty can give you the peace of mind you need and safeguard your bank account from large expenses by covering your home’s major systems and appliances.
Finding the right warranty for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Asbury Park. Keep reading for our recommendations.
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
In Asbury Park, Liberty Home Guard offers the most trustworthy home warranty. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to about $3,000 for each covered appliance or system.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information, read our Liberty Home Guard full review.
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
In Asbury Park, Choice Home Warranty offers the best overall home warranty. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered appliance or system.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, read our Choice Home Warranty full review.
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 Asbury Park, Select Home Warranty offers the most cost-effective home warranty. Select has 3 simple plans, making the selection process and policy coverage easily understandable. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 for each covered appliance or system.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information, read our Select Home Warranty full review.
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 Asbury Park, American Home Shield offers the most customizable home warranty. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered appliance or system.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, read our American Home Shield full review.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Asbury Park, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: 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 limits come out to about $1,000-$2,000 for each covered appliance or system.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read our Cinch Home Services full review.
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 Asbury Park, The Home Service Club offers the best home warranty with the quickest service. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 for each covered appliance or system.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, read our The Home Service Club full review.
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 | $6,441 |
| Heating | $4,294 |
| Electrical | $644 |
| Toilets | $537 |
| Washer/Dryer | $859 |
| Plumbing | $644 |
| Oven | $1,718 |
| Fridge | $644 |
A home warranty is a protection policy that helps Asbury Park homeowners in reducing the expenses of appliance and system repairs. The plans offer financial coverage to swap out or fix appliances and systems that break down due to normal wear and tear. When something stops working, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent expensive emergency repairs. Home warranties are especially useful for older houses or those with aging systems. New homes with modern appliances might not need a home warranty.
Home warranties help protect your home systems and appliances. Common covered appliances include garbage disposals, refrigerators, dishwashers, microwaves, washers, dryers, and more. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranties offer additional add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. It's important for Asbury Park homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Here are some key home warranty words to understand before signing a contract:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty policies differ significantly in terms of coverage. Most plans provide protection for plumbing, AC, heating, electrical, and appliances. More robust plans also extend protection to other items such as well pumps, roof leaks, pools, and spas. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Check review sites like the Better Business Bureau (BBB), TrustPilot, or Google Reviews to learn more about companies. Positive feedback and ratings suggest a company known for delivering quality service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. More extensive networks increase the probability of getting skilled contractors to your home promptly. Contact possible providers to learn how many technicians they have in Asbury Park. This helps you understand how long repairs could take in an urgent situation.
Certain home warranty providers include extras such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These provide extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Asbury Park hitting an average high of 60℃F, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can significantly bring down out-of-pocket expenses should your HVAC system break down.
Plus, having a home warranty can save you some time by getting rid of the need to research contractors — most providers will send a trusted professional right to your door to complete the repair or replacement. Additionally, having a home warranty can make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you’ve been receiving.
One drawback of buying a home warranty is that there are generally exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it’s important to read through any contracts you’re considering carefully to get a sense of what is included and what isn’t.
Plus, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, around $300 to $600 a year in Asbury Park. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects the entire home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you will not be able to file a claim should you need a new dryer or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Asbury Park.
A home warranty plan can help home sellers, investors, real estate agents, homeowners, and homebuyers. It can provide peace of mind to anyone involved in homeownership.
A home warranty can cover your systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Home warranty plans usually provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Usually, the homeowner is responsible for paying 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 given to the new homeowner, who has to pay the service fees when using the policy. In Asbury Park, where the median value of a home is $563,662, having the seller pay for the home warranty can be a good asset for your new home.
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