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Written By David Cusick
Last Updated June 2024
Bernardsville gives homeowners some great neighborhoods and the opportunity to enjoy all four seasons. However, temperatures can put quite a strain on your home’s systems, such as your HVAC. A home warranty can bring you the peace of mind you need and protect your savings account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market is saturated with many providers — all with different offerings — so the Today's Homeowner team has done the research to help you choose the best home warranty companies in Bernardsville.
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 offers the most trustworthy home warranty in Bernardsville. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible.
Liberty Home Guard offers 3 plans for Bernardsville homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
For more information, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 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 offers the best overall home warranty in Bernardsville. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible.
Choice Home Warranty offers 2 plans for Bernardsville homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
For more information, read our review of Choice Home Warranty. To receive 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
Select Home Warranty offers the most cost-effective home warranty in Bernardsville. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible.
Select Home Warranty offers 3 plans for Bernardsville homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Select’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
For more information, read our review of Select Home Warranty. To receive 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
American Home Shield offers the most customizable home warranty in Bernardsville. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible.
American Home Shield offers 3 plans for Bernardsville homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
For more information, read our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Bernardsville. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible.
Cinch Home Services offers 3 plans for Bernardsville homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information, read our review of Cinch Home Services. To receive 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
The Home Service Club offers the best home warranty with the quickest service in Bernardsville. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible.
The Home Service Club offers 2 plans for Bernardsville homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information, read our review of The Home Service Club. To receive 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 | $7,405 |
Heating | $4,937 |
Electrical | $741 |
Toilets | $617 |
Washer/Dryer | $987 |
Plumbing | $741 |
Oven | $1,975 |
Fridge | $741 |
A home warranty is a protection plan that assists Bernardsville homeowners in reducing the expenses of appliance and system repairs. The plans provide coverage to swap out or fix appliances and systems that break down due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty policy gives homeowners peace of mind and can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are refrigerators, dryers, washers, microwaves, garbage disposals, dishwashers, and more. Covered systems are usually electrical, heating, plumbing, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Bernardsville homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only help pay for repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Here are some key home warranty words to learn before signing a contract:
There are several important factors to consider when selecting a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans provide protection for electrical, AC, heating, plumbing, and appliances. More inclusive options also extend protection to other items such as pools, well pumps, roof leaks, and spas. Look for companies with an array of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per claim you submit. The costs from multiple fees can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's track record gives you insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive reviews and ratings indicate a company known for stellar service.
Home warranty businesses have networks of local technicians to handle repairs in your area. Reach out to potential providers to learn how many repair technicians they have in Bernardsville and get an idea for how fast your repairs could take place in an emergency situation. Wider networks raise the chances of getting qualified contractors to swiftly service your home.
Some home warranty providers may include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These can provide extra value beyond just repair coverage. Added bonuses let you enhance your home and get the most from your home warranty.
Since temperatures in Bernardsville can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Having a home warranty can help homeowners save money if one of these systems or appliances breaks suddenly.
A home warranty also can also save you time and energy. Instead of spending hours researching and choosing a contractor to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. In addition, though it varies by company, some providers will let you transfer your warranty in the event that you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
There are also some drawbacks to purchasing a home warranty policy, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty.
Another downside is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your house floods, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty costs, on average, around $300 to $600 a year in Bernardsville. Our top-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. Additionally, 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 plans cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which might not be too much of a concern in Bernardsville. It doesn't cover a typical appliance or system damage.
Homebuyers, landlords, real estate agents, homeowners, and home sellers are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
A home warranty policy can cover your home’s systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Usually the homeowner pays for the home warranty. In some cases, however, the home seller may buy a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Bernardsville is $895,881, a home warranty can be an added asset when buying a home.