Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Budd Lake comes with many positives, but it also comes with worries and concerns. Your home’s appliances and systems will eventually need repairs, and this could mean a burdensome expense. A home warranty in Budd Lake can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Finding the best home warranty on the market can be difficult, as there are dozens of companies to decide between. That’s why our team at Today's Homeowner did the research and compiled a list of the top home warranty companies in Budd Lake for you.
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 Budd Lake, Liberty Home Guard is the most trustworthy home warranty. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and have a mix of both system and appliance coverage.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. Liberty’s service fees are an affordable $75, and the coverage limits come out to about $3,000 for each covered system or appliance.
For a more detailed breakdown, read our review of Liberty Home Guard. To get 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
In Budd Lake, Choice Home Warranty is the best overall home warranty. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and have a mix of both system and appliance coverage.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered system or appliance.
For a more detailed breakdown, read our 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 Budd Lake, Select Home Warranty is the most cost-effective home warranty. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and have a mix of both system and appliance coverage.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 for each covered system or appliance.
For a more detailed breakdown, read our 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 Budd Lake, American Home Shield is the most customizable home warranty. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and have a mix of both system and appliance coverage.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. 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 system or appliance.
For a more detailed breakdown, read our 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
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 Budd Lake, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and have a mix of both system and appliance coverage.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. 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 system or appliance.
For a more detailed breakdown, read our 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 Budd Lake, The Home Service Club is the best home warranty with the quickest service. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. 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 system or appliance.
For a more detailed breakdown, read our 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 | $6,538 |
| Heating | $4,359 |
| Electrical | $654 |
| Toilets | $545 |
| Washer/Dryer | $872 |
| Plumbing | $654 |
| Oven | $1,744 |
| Fridge | $654 |
A home warranty is a protection policy that assists Budd Lake homeowners reduce the high costs of household repairs. These plans provide financial protection to repair or swap out appliances and systems that stop working from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider 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 delivers security for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who own older homes or ones with outdated systems. Newer builds with functional appliances probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as microwaves, dryers, washers, garbage disposals, refrigerators, dishwashers, and more. Covered systems include air conditioning, plumbing, electrical, and heating. Many home warranty providers also offer additional coverage for septic systems, locksmiths, central vacuums, and roof leaks. Budd Lake homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Here are some essential home warranty terms to understand before signing a contract:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage varies, although most plans include protection for AC, heating, electrical, plumbing, and appliances. More inclusive plans may also include additional items such as spas, pools, roof leaks, and well pumps. Look for companies with varied coverage options, including upgraded plans. This allows you to customize your plan to your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per claim you submit. The per-request costs can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty provider's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Check review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about companies. Good feedback and ratings suggest a company known for delivering quality service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. Wider networks improve the probability of getting skilled contractors to your home promptly. Contact possible providers to ask how many repair professionals they have in Budd Lake. This helps you understand how long repairs might take in an urgent situation.
Some home warranty plans provide bonuses such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These can add value beyond just repair coverage. Extra bonuses help maximize the usefulness of the home warranty.
Budd Lake’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the repairs, saving you from spending unexpected money out of pocket.
As well as saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair problems you may experience. Another good thing about having a home warranty is if you want to sell your home, you can most likely transfer your home warranty policy to the new owners. It can make your home more attractive to potential homebuyers and may help your home sell faster.
Home warranties also have some downsides. While it can save you time when the home warranty sends out a contractor who carries out the repair for you, some people may not like this, and they would rather select their own contractor. If that’s important to you, some home warranty providers allow you to select a contractor.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They most likely won’t cover systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty in Budd Lake can cost anywhere from $30 to $60 a month. Higher-priced plans typically have broader coverage, higher coverage limits, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects the entire home from natural disasters, which might not be too much of a concern in Budd Lake. It doesn't cover a typical appliance or system repairs.
A home warranty policy can help investors, home sellers, homebuyers, real estate agents, and homeowners. It can offer peace of mind to anyone involved in homeownership.
The different types of home warranties in Budd Lake include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your home systems and appliances, such as your washing machine, drier, and plumbing. An appliance or system plan will cover only the items listed in the plan.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Typically, the homeowner is the one who pays 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 given to the new homeowner, who has to pay the service fees. In Budd Lake, where the median value of a home is $483,966, having the seller pay for the home warranty can be a good asset for your new home.
