Written By David Cusick
Last Updated February 2024
Owning a house can have a lot of benefits, but it can also come with some downsides like maintenance. The older your house’s systems and appliances are, the more you may want to consider getting a home warranty. A home warranty can give you the peace of mind you need and safeguard your savings account from large expenses by covering your home’s major systems and appliances.
Finding the best protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Cliffside Park. Read on for our top provider 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 Cliffside Park, Liberty Home Guard is the most trustworthy home warranty. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
Read our full review of Liberty Home Guard to learn more. 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 Cliffside Park, Choice Home Warranty is the best overall home warranty. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.
Read our full review of Choice Home Warranty to learn more. 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 Cliffside Park, Select Home Warranty is the most cost-effective home warranty. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.
Read our full review of Select Home Warranty to learn more. 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 Cliffside Park, American Home Shield is the most customizable home warranty. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500 at the maximum.
Read our full review of American Home Shield to learn more. 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 Cliffside Park, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000 at the maximum.
Read our full review of Cinch Home Services to learn more. 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 Cliffside Park, The Home Service Club is the best home warranty with the quickest service. The 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. 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, this is the provider for you. Plus, it 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 The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000 at the maximum.
Read our full review of The Home Service Club to learn more. 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 | $6,815 |
Heating | $4,544 |
Electrical | $682 |
Toilets | $568 |
Washer/Dryer | $909 |
Plumbing | $682 |
Oven | $1,817 |
Fridge | $682 |
A home warranty is a protection policy that assists Cliffside Park homeowners cut the high costs of household repairs. These plans offer financial coverage to fix 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 company then finds a contractor to make the fix 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 plan gives homeowners a sense of security because it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties protect many home systems and appliances. Common covered appliances are washers, dryers, microwaves, garbage disposals, refrigerators, dishwashers, and more. Covered systems include electrical, heating, plumbing, and air conditioning. Many home warranty plans offer extra coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Most home warranty plans require Cliffside Park homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies usually only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies widely in the items that are included. Most plans cover heating, AC, plumbing, electrical, and appliances. More inclusive options also offer coverage on other items such as well pumps, spas, pools, and roof leaks. Look for companies with an array of coverage options, such as upgraded plans. You'll want to tailor your protection for your home’s needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with lower service fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty companies maintain networks of local professionals to handle repairs in your area. Reach out to potential providers to learn how many repair technicians they have in Cliffside Park and get an idea for how quickly your repairs might happen in an emergency situation. Wider networks increase the chances of getting qualified contractors to swiftly service your home.
Home warranty providers might offer bonuses such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These extras add value beyond repair coverage. Additional perks maximize the usefulness of the home warranty.
Since temperatures in Cliffside Park can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances stops working suddenly.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of needing to vet service technicians by yourself, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. A home warranty can also provide value in other ways. For instance, some policies can be transferred between owners during a home sale.
There are also some negatives to buying a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that are already covered under a manufacturer's warranty.
Another pain point of home warranties is that they don’t cover items that haven’t been properly maintained. This can lead to your claims being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, around $300 to $600 a year in Cliffside Park. Our high-rated home warranty companies' 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. In addition, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger insurance that protects your entire home from natural disasters, which can sometimes be a concern in Cliffside Park. It doesn't cover a typical appliance or system breakage.
Homebuyers, homeowners, real estate agents, home sellers, and landlords are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Cliffside Park include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your home systems and appliances, such as your dishwasher, washing machine, and HVAC. An appliance or system plan will cover only the items mentioned in the plan.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
In general, the homeowner is the one who 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 when using the policy. In Cliffside Park, where the median value of a home is $571,316, having the seller pay for the home warranty can be a good asset for your new home.